Ledger CL Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Ledger CL Card 3.0/5 self_custodialvisa	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	None	—
Issuance Fee	Free (€0.00)	See card_tiers
Rewards
Max Cashback	1% in BTC/USDC (US) or BTC/USDT (other countries); 2% in BXX token	36%
Features
Apple Pay	Yes	No
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Self-custody until card top-up, providing enhanced security Seamless integration with Ledger's hardware wallet ecosystem Competitive 1-2% cashback rates without staking requirements No monthly fees with simple single-tier system	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	High combined fees (1.75% conversion + 2% card spend = 3.75% total) significantly erode cashback benefits Limited to EEA, UK, US (excluding NY and VT), Canada, Switzerland, Colombia, Mexico, and Brazil Must pre-fund card before spending (debit card model) Some pre-authorization transactions may be unsupported; standing orders not supported	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