Xapo Bank Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Xapo Bank Card 3.0/5 self_custodialboth	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	—	—
Issuance Fee	$0 for metal card (current members)	See card_tiers
Rewards
Max Cashback	1%	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 foreign exchange fees make it ideal for international use Up to 1.0% Bitcoin cashback on eligible purchases Competitive interest rates on both USD and Bitcoin balances, paid daily in BTC Military-grade security with institutional custody	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	High annual membership fee ($1,000) prices out casual users Not available to US residents and US passport holders Fully custodial model means users don't control their private keys Limited free ATM withdrawals ($100/month)	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