Mercuryo Spend Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Mercuryo Spend Card 2.5/5 self_custodialmastercard	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	2.5/5	4.5/5
Fees
Monthly Fee	Free (with fair usage)	—
Issuance Fee	Free	See card_tiers
Rewards
Max Cashback	—	36%
Features
Apple Pay	Yes	No
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Maintains self-custody of crypto assets until point of transaction Supports 40 cryptocurrencies across multiple blockchains (standard version) Seamless integration with Apple Pay and Google Pay No issuance or monthly fees under fair usage conditions	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	Limited to European Economic Area residents only No physical card option available for consumers €1/month inactivity fee after 3 consecutive months of no use 1% foreign exchange fee for non-EUR spending	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