Morph Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Morph Card 3.0/5 self_custodialmastercard	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	$0	—
Issuance Fee	Free	See card_tiers
Rewards
Max Cashback	1%	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 model preserves control over funds until point of spending Swiss IBAN account provides traditional banking functionality Low crypto top-up fees, especially for premium tiers (0.125% for 2-digit NFT holders) High spending limits suitable for substantial transactions	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	Unavailable in major markets including US, Canada, and 45+ other countries Virtual card only (no physical card option) Premium tiers require investment in NFTs with specific digit counts Fiat balances not covered by traditional deposit insurance	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