FNT Crypto Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	FNT Crypto Card 2.5/5 self_custodialmastercard	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	2.5/5	4.5/5
Fees
Monthly Fee	€15/month (verify in app/ordering flow)	—
Issuance Fee	€32 (Physical) / €10 (Virtual) - reduced by tier discounts (10-40%)	See card_tiers
Rewards
Max Cashback	Tier-based cashback benefits referenced in official materials (availability and rates unclear)	36%
Features
Apple Pay	Yes	No
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Zero transaction fees on purchases and no FX markups in native currency Tiered membership system offering substantial discounts (up to 40%) Support for multiple blockchain networks provides flexibility and potential fee savings Seamless Telegram integration simplifies the user experience	True self-custody model maintains crypto ownership principles Competitive cashback with boost opportunities up to 6% No hidden fees or exchange rate markups Global usage through Mastercard network
Cons	2% top-up fee represents the main cost of using the service Monthly (€15) or annual (€150) maintenance fees may apply Geographic availability currently limited to Europe for physical cards Benefits heavily tied to FNTIO token holdings	120 USDC annual fee for Metal card Currently only supports USDC/USDC.e for spending Ordering limited to UK and EEA residents Cashback rewards capped at $150 monthly