Phantom Cash Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Phantom Cash Card self_custodialvisa	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	—	4.5/5
Fees
Monthly Fee	$0	—
Issuance Fee	$0	See card_tiers
Rewards
Max Cashback	0% (no active cashback program at launch)	36%
Features
Apple Pay	Yes	No
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	True self-custody with user-controlled private keys No monthly fees or domestic purchase fees Free ACH transfers and gasless blockchain transactions Instant crypto-to-fiat conversion at point of sale	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	No cashback or rewards program at launch Limited to US users excluding NY and AK Virtual card only with physical card pending ATM withdrawals completely disabled	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