Fold Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Fold Card 2.5/5 self_custodialvisa	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	2.5/5	4.5/5
Fees
Monthly Fee	See card_tiers	—
Issuance Fee	$0	See card_tiers
Rewards
Max Cashback	0.51%	36%
Features
Apple Pay	Yes	No
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Unique gamified rewards system adds excitement to everyday purchases No card issuance fee for either tier Guaranteed 0.5% Bitcoin back on qualifying transactions plus category boosts (up to 1.5%) and merchant boosts (up to 15%) for Fold+ members Enhanced rewards on gift card purchases (up to 20% at select merchants)	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	Currently limited to U.S. residents only Free tier has no guaranteed cashback rate (relies on wheel outcome) $100/year subscription fee for Fold+ may not be worth it for low spenders Rewards limited to Bitcoin only (subject to crypto volatility)	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