Utorg Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Utorg Card 2.5/5 self_custodialboth	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	2.5/5	4.5/5
Fees
Monthly Fee	€0	—
Issuance Fee	€0	See card_tiers
Rewards
Max Cashback	None currently available	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 gives users full control over their crypto assets with locally encrypted private keys Zero card issuance and maintenance fees reduce overall costs High €50,000 spending limit accommodates large purchases Currently 0% fees on both EUR and non-EUR transactions (promotional period)	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 card only - no physical card option or ATM access Limited to EEA residents plus Ukraine, excluding many global markets No cashback or rewards program currently available 1% FX fee may return when promotional period ends (per T&Cs)	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