Ready Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get Ready CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Card Overview
Argent rebranded. A self-custody wallet that ported to Starknet Layer 2 and added a Mastercard on top. The card pays 3% cashback in STRK on up to $5,000/month of qualifying spend, capping the hard reward ceiling at $150/month or $1,800/year. Annual fee is 120 USDC. FX runs at 0% markup using official Mastercard rates. The card spends USDC (and USDC.e) from a Starknet smart contract you control via passkeys. A 10% boost runs for new users on the first $1,500 within 30 days. The cashback program is funded by the Starknet Foundation and reviewed quarterly, which means it can be scaled back without notice. STRK is volatile, so the dollar value of accrued rewards depends on where the token trades when you sell. Monthly cap is $30,000 rolling. UK and EEA only at signup with global usage. Personal EU IBAN, SEPA, and UK sort code/account included. Google Pay supported; Apple Pay coming. Picked for Starknet users already holding STRK; skipped if you wanted predictable fiat-equivalent cashback.
A crypto neobank card with a virtual bank account built on Starknet. Ready Card brings Ethereum Layer 2 innovation to everyday spending with a self-custody Mastercard built on Starknet smart contracts. Earn 3% cashback in STRK tokens on up to $5,000 monthly spending (up to $1,800 annually), with surprise boost hours offering 6% rewards, plus partner perks including free StarkGate bridging and LayerSwap discounts. Your USDC and USDC.e remain in your self-custodial wallet until the moment you spend, with zero conversion markups beyond official Mastercard rates. While the 120 USDC annual fee and $30,000 monthly cap may deter casual users, Ready's transparency, integrated European bank account details, and Ethereum/Starknet ecosystem alignment make it perfect for DeFi natives seeking self-custody spending with substantial STRK accumulation potential.
This is a Mastercard crypto card. It uses a self-custody model. It offers cashback rewards. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | 120 USDC annual fee |
| FX Fee | 0% FX on Ready Metal (official Mastercard rates); 1% FX on the free Lite tier |
| ATM Limit | Available |
| Spending Limit | $30000 rolling 30-day limit (increase via support) |
These figures can change. Confirm the current fees, FX and network in Ready’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: USDC/USDC.e only currently; more cryptos planned
- Available Countries: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden (EEA + UK only; non-EEA cards deactivated 2026)
Banking & Fiat Rails
IBAN yes (EU), SEPA yes, UK sort code/acct; SWIFT not disclosed
Who issues the Ready Card
The Ready Card is issued by Kulipa, France. The issuer is named verbatim in the card documentation. Ready calls Kulipa "a regulated card issuer" and routes ID verification through it. Kulipa is the program layer; the EMI or bank underneath is not named by either party.
Primary source · All cards issued by Kulipa · Why the issuer matters
Supported Cryptocurrencies
You can load the Ready Card with crypto; the asset we track for it is listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: USDC self-custody (Ethereum, Base, Arbitrum, Polygon, Optimism)
Who Is the Ready Card Best For?
The Ready Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
The Ready Card runs a rewards programme — the exact rate depends on tier; the fees table above has the details.
The card is currently available in UK and EEA only, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want cashback on everyday purchases
- DeFi users who want to hold their own keys
- European users within EEA countries
Avoid if
- You're a US resident (this card doesn't support US users)
Compare the Ready Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Self-custody with Starknet Layer 2; up to $1800/year STRK rewards; zero hidden fees; partner perks (free bridging)
- No card issuance fee
- Works wherever Mastercard is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
Cons
- 120 USDC annual fee; USDC/USDC.e only; $30k monthly limit; cashback capped at $150/month; UK/EEA ordering only
- Annual fee: 120 USDC annual fee
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Ready Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Ready account
A few minutesGo to the Ready website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerReady runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with USDC/USDC.e only currently; more cryptos planned through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Ready Card shows up in the Ready app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The Ready Card covers the EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Common questions about the Ready Card
What are the fees for the Ready Card?
How does the Ready Card cashback work?
Where is the Ready Card available?
What cryptocurrencies does the Ready Card support?
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