Ready Card
Waitlist. Not live yet; card terms not final (owner research) This card is excluded from recommendations and rankings.
Mastercard from Ready, the Starknet wallet formerly known as Argent. Offered as a free Lite card and a Metal tier. Cashback moved to a 'Ready Rewards' programme from 1 May 2026.
Base cashback
Max cashback
Base fee
FX fee
0%*Show source
FX fee: 0%
Card page; a Ready Learn page lists 1% for Metal
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
ATM fee
2%*Show source
ATM fee: 2%
Metal tier, above the monthly free limit
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card fee
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No FX markup from the issuer
- Self-custody: funds stay in your own wallet
- Apple Pay and Google Pay
- Free ATM withdrawals up to $800/month
Cons
No disadvantages derived from the published data yet.
Good for
- People who want to keep control of their keys
- Frequent travellers
Not for
Not enough data to say.
Risks to understand
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
All details
Fees4/15
- FX fee
0%*Show source
FX fee: 0%
Card page; a Ready Learn page lists 1% for Metal
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Card page; a Ready Learn page lists 1% for Metal
- Top-up fee
Free*Show source
Top-up fee: Free
Metal tier
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier
- ATM fee
2%*Show source
ATM fee: 2%
Metal tier, above the monthly free limit
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier, above the monthly free limit
- Free ATM allowance
$800/month*Show source
Free ATM allowance: $800/month
Metal tier
Source states (paraphrased): 2% ATM fee above the monthly free limit of $800.
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier
Not yet researched: Annual fee, Monthly fee, Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Crypto withdrawal fee, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards4/14
- Cashback type
Points*Show source
Cashback type: Points
Ready Rewards Points; may appear in-app as cashback; redeemable to offset eligible card purchases (USDC transfer)
Source states (paraphrased): they are loyalty benefits only, not money, e-money, or cryptoassets
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ready Rewards Points; may appear in-app as cashback; redeemable to offset eligible card purchases (USDC transfer)
- Cashback conditions
Points awarded only after the transaction has settled and a 7-day grace period has elapsed · Points rate depends on Ready plan, transaction type and promotions · Monthly or other caps on Points may apply (shown in app) · Redemption only for settled transactions on eligible MCCs no more than 30 days old; no partial redemptionsShow source
Cashback conditions: Points awarded only after the transaction has settled and a 7-day grace period has elapsed · Points rate depends on Ready plan, transaction type and promotions · Monthly or other caps on Points may apply (shown in app) · Redemption only for settled transactions on eligible MCCs no more than 30 days old; no partial redemptions
Source states (paraphrased): Points are awarded only after the underlying transaction has fully settled and a grace period (currently 7 days) has elapsed.
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
- Reward expiry / vesting
Points do not currently expire; forfeited if the account is closed*Show source
Reward expiry / vesting: Points do not currently expire; forfeited if the account is closed
Ready may introduce expiry with at least 30 days' notice
Source states (paraphrased): Points do not currently expire.
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ready may introduce expiry with at least 30 days' notice
- Reward exclusions
Certain merchants, merchant category codes (MCCs) or transaction types, as set out in the appShow source
Reward exclusions: Certain merchants, merchant category codes (MCCs) or transaction types, as set out in the app
Source states (paraphrased): Points may be excluded for certain merchants, merchant category codes (MCCs), or transaction types
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Not yet researched: Base cashback, Max cashback, Cashback paid in, Interest on balance, Cashback-eligible spend cap, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies0/4
No availability data published or researched yet.
Features, wallets & supported assets3/11
- Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): used for transactions, including through Apple Pay or Google Pay
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
- Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): used for transactions, including through Apple Pay or Google Pay
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
- Blockchains
StarknetShow source
Blockchains: Starknet
Source: Network fees (gas): what do you need to pay?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Physical card, Virtual card, ATM withdrawals, Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets.
Security & custody1/3
- Deposit protection
No*Show source
Deposit protection: No
Applies to digital assets managed through the Ready App
Source states (paraphrased): are not covered or underwritten by any regulatory guarantees or compensation schemes
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Applies to digital assets managed through the Ready App
Not yet researched: Regulation / licences, Smart-contract risk.
Limits0/2
No limits data published or researched yet.
Product4/7
- Product status
Waitlist*Show source
Product status: Waitlist
Not live yet; card terms not final (owner research)
Source states (paraphrased): Owner research: the Ready Card is not live yet.
Source: Ready Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Not live yet; card terms not final (owner research)
- Network
MastercardShow source
Network: Mastercard
Source states (paraphrased): Accepted anywhere Mastercard is accepted.
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Custody model
Self-custody*Show source
Custody model: Self-custody
Ready App is non-custodial; the Ready Card itself is issued by a third-party issuer under separate terms
Source states (paraphrased): As the Ready Products are non-custodial, you manage digital assets through the Ready App at your own risk.
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Ready App is non-custodial; the Ready Card itself is issued by a third-party issuer under separate terms
- Tiers / plans
Lite (free) · MetalShow source
Tiers / plans: Lite (free) · Metal
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Card type, Launch date, Card issuer / program manager.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Per-transaction costs ≈ 0.00% | 20% | 100 |
Cashback & rewards | 20% | No data — excluded |
Availability Waitlist only | 15% | No data — excluded |
FX & international FX fee 0% | 10% | 100 |
Product features 2 of 2 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing | 5% | No data — excluded |
Limits & ATM ATM cost on €200 ≈ 2.0% · Free ATM allowance ≈ €696/month | 5% | 74 |
Transparency 4 of 4 checked key terms disclosed · 3 contradiction(s) between official sources | 5% | 79 |
Data coverage 60%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
What is the FX fee of Ready Card?
0% (Card page; a Ready Learn page lists 1% for Metal). Source: Ready Card.
Is Ready Card self-custodial?
Self-custody (Ready App is non-custodial; the Ready Card itself is issued by a third-party issuer under separate terms).
Does Ready Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history18 entries
- Product status "active" → "waitlist" · 24 October 2026 · approved
- Reward exclusions not disclosed → ["Certain merchants, merchant category codes (MCCs) or transaction types, as set out in the app"] · 24 October 2026 · approved
- Cashback conditions ["Cashback replaced by 'Ready Rewards' from 1 May 2026","Rules can change at Ready's discretion","Country exclusions apply"] → ["Points awarded only after the transaction has settled and a 7-day grace period has elapsed","Points rate depends on Ready plan, transaction type and promotions","Monthly or other caps on Points may apply (shown in app)","Redemption only for settled transactions on eligible MCCs no more than 30 days old; no partial redemptions"] · 24 October 2026 · approved
- Reward expiry / vesting not disclosed → "Points do not currently expire; forfeited if the account is closed" · 24 October 2026 · approved
- Cashback type not disclosed → "points" · 24 October 2026 · approved
- Deposit protection not disclosed → false · 24 October 2026 · approved
- Custody model not disclosed → "self_custody" · 24 October 2026 · approved
- Google Pay not disclosed → true · 24 October 2026 · approved
- Apple Pay not disclosed → true · 24 October 2026 · approved
- Product status recorded · 22 October 2026 · auto-approved
- Blockchains recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Free ATM allowance recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Top-up fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved