THORWallet Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	THORWallet Card 3.0/5 self_custodialmastercard	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	None	—
Issuance Fee	See card_tiers (Free to 15 ETH depending on tier)	See card_tiers
Rewards
Max Cashback	Coming soon (targeted Q4 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	Non-custodial approach preserves crypto self-custody until conversion Swiss banking infrastructure provides exceptional security and reliability No monthly or annual maintenance fees across all tiers High spending and transfer limits, especially for premium tiers	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	Currently virtual card only with no physical card option Card-spend cashback still in development (targeted Q4 2025, not yet live) Significant upfront costs for Gold (1.5 ETH) and Platinum (15 ETH) tiers Limited to three cryptocurrencies for direct bank account top-up	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