Ready Card vs Kolo Card

Side-by-side comparison of 2 crypto debit cards

	Ready Card 4.5/5 self_custodialmastercard	Kolo Card 4.0/5 self_custodialboth
Rating
Overall	4.5/5	4.0/5
Fees
Monthly Fee	—	$0
Issuance Fee	See card_tiers	10 USDC (spendable balance)
Rewards
Max Cashback	36%	25%
Features
Apple Pay	No	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	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	BTC cashback on every spend (2% standard, 5% welcome bonus) No monthly or inactivity fees currently Transparent fee structure with 0% mark-ups on major stablecoins Real-time crypto-to-fiat conversion at point of sale
Cons	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	Operating under testing regulatory regime with pending license approval Dynamic spending limits can be reduced to $0 without notice Cash-like transactions restricted (crypto purchases, money orders, P2P funding) Cashback program details not fully disclosed publicly and can change