ZEN Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	ZEN Card 2.5/5 self_custodialmastercard	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	2.5/5	4.5/5
Fees
Monthly Fee	See card_tiers (€0 Free, €0.90 Gold, €6.90 Platinum, €6.90 Pro)	—
Issuance Fee	See card_tiers (€10 for Free, 1st free then €10 for Gold, up to 2 free then €10 for Platinum/Pro)	See card_tiers
Rewards
Max Cashback	100%	36%
Features
Apple Pay	Yes	No
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Instant cashback at 800+ merchants with documented €320+ annual user earnings Industry-leading extended warranty adding 1-2 years to electronics purchases Zero foreign exchange fees on Platinum/Pro plans with true interbank rates Comprehensive rewards ecosystem with valuable refund coupons up to €1,000	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	Customer support frequently criticized as slow and unresponsive No deposit insurance (EMI safeguarding instead of government guarantee) No interest paid on balances or traditional banking products Auto-enrollment in Pro trial that charges unless manually downgraded	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