Ready Card Review 2026
Last updated: by the
Last updated: by the
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.
| Issuance Fee | Free |
|---|---|
| Annual Fee | 120 USDC annual fee |
| FX Fee | 0% markup; uses official Mastercard rates |
| ATM Limit | Available |
| Spending Limit | $30000 rolling 30-day limit (increase via support) |
The Ready Card allows you to top up and spend using 1 supported digital asset. Your crypto is automatically converted to local fiat at the point of sale.
The Ready Card is best suited for DeFi enthusiasts and privacy-conscious users who want to maintain control of their private keys right up to the point of purchase.
With 3% STRK cashback on up to $5000/month (plus random boost hours up to 6%) cashback on eligible purchases, the Ready Card rewards active spenders who use the card as their daily driver.
The card is currently available in UK and EEA — ideal for residents and frequent travellers in those areas.
Compare the Ready Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Getting started with the Ready Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Ready website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Ready processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using USDC/USDC.e only currently; more cryptos planned via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Ready Card is available immediately in the Ready app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available Across the EEA
The Ready Card is available throughout the European Economic Area — covering all 27 EU member states plus Iceland, Liechtenstein, and Norway. UK residents should verify post-Brexit availability directly with the issuer.
Key supported countries:
