Simple.app Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Simple.app Card 3.5/5 self_custodialmastercard	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	3.5/5	4.5/5
Fees
Monthly Fee	€0	—
Issuance Fee	€0	See card_tiers
Rewards
Max Cashback	Cashback rewards available but specific rate not publicly disclosed as of April 2025	36%
Features
Apple Pay	Yes	No
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Zero monthly and issuance fees for all users No staking requirements to access the card High transaction limits (€15,000 daily) Integrated IBAN account with full SEPA capabilities (Custodial)	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	Custodial EUR card limited to European Economic Area residents only 2.5% fee on international (non-EEA) transactions Physical card not yet available (only virtual currently) E-money account not protected by deposit guarantee schemes	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