Stella Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Stella Card 3.0/5 self_custodialvisa	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	—	—
Issuance Fee	Virtual card: Pay-as-you-go fee (disclosed in-app); Physical card: Delivery fee waived after topping up USD 20,000	See card_tiers
Rewards
Max Cashback	None	36%
Features
Apple Pay	Yes	No
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	No annual fees or maintenance charges Free crypto deposits (Stella charges 0%; users only pay blockchain network gas fees) Seamless automatic conversion from crypto to USD at interbank exchange rates Wide acceptance through the Visa network (40M+ merchants)	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	Limited cryptocurrency support compared to some competitors (only BTC, ETH, USDT, USDC for base card) ATM withdrawal fees and free-withdrawal allowances only disclosed in-app Lack of ongoing cashback or rewards program Most fees only disclosed after app registration	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