UR Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	UR Card 2.0/5 self_custodialmastercard	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	2.0/5	4.5/5
Fees
Monthly Fee	See card_tiers	—
Issuance Fee	Free	See card_tiers
Rewards
Max Cashback	No cashback structure for card spending transactions	36%
Features
Apple Pay	Yes	No
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Swiss FINMA regulation provides institutional-grade oversight and compliance Direct on-chain crypto integration across major networks (Arbitrum, Base, Ethereum, Mantle) Instant virtual card activation with immediate mobile wallet compatibility Pro tier offers 0% crypto off-ramp fees during promotional periods	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	Virtual-only format with no physical card or PIN Fixed spending limits cannot be adjusted based on user needs No deposit insurance coverage under Swiss protection schemes Complete exclusion of U.S. Persons (citizens, residents, green card holders)	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