Xhype Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Xhype Card 2.5/5 self_custodialboth	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	2.5/5	4.5/5
Fees
Monthly Fee	See card_tiers ($9-$49/month billed annually)	—
Issuance Fee	See card_tiers (included in annual plan fee)	See card_tiers
Rewards
Max Cashback	—	36%
Features
Apple Pay	Yes	No
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Minimal personal information required for setup and usage High annual limits, particularly for the Whale tier ($100,000) Global acceptance through Visa and Mastercard networks Instant USDT to USD conversion with no waiting 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	Annual plan fees ($108-$588 per year per card) add to overall cost Combined fees can be significant (plan fee + top-up commission + FX fees) Total effective cost can reach 8-10% for cross-currency transactions Limited to USDT only on BEP20 and TRC20 networks	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