Ready Card vs PAYY Card

Side-by-side comparison of 2 crypto debit cards

	Ready Card 4.5/5 self_custodialmastercard	PAYY Card 4.0/5 self_custodialvisa
Rating
Overall	4.5/5	4.0/5
Fees
Monthly Fee	—	$0
Issuance Fee	See card_tiers	Free (virtual and physical)
Rewards
Max Cashback	36%	None - no traditional cashback rewards
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	Zero monthly fees and zero transaction fees for purchases Privacy-preserving architecture shields transaction details from public view Self-custodial model gives users complete control over funds Global availability wherever Apple/Google app stores are accessible
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	No cashback or traditional rewards program Physical card limited to contactless payments only (no chip/magstripe) Restricted to USDC stablecoin for card spending Self-custody requires managing recovery phrases (potential complexity for some users)