Binance Card vs Ready Card
Crypto native
Crypto native
Verdict
- Ready Card scores higher overall (7.3 vs 4.9 out of 10).
- Binance Card is clearly stronger on: Limits & ATM, Transparency.
- Ready Card is clearly stronger on: FX & international, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Binance Card is a good fit for
- Stablecoin holders
Stronger on: Limits & ATM, Transparency
Ready Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Stronger on: FX & international, Custody & security
Score by criterion
| Criterion | Binance Card | Ready Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 8 | – |
| Availability | 3 | – |
| FX & international | 20 | 100 |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | – | – |
| Limits & ATM | 87 | 74 |
| Transparency | 93 | 79 |
| Best for Cashback | 3.6 | n/a |
| Best for Travel | 4.8 | 8.2 |
| Best for Self-Custody | n/a | 7.9 |
| Best for DeFi Users | 5.5 | 7.2 |
| Best for Stablecoins | 5.6 | n/a |
| Best for High Spenders | 4.3 | 7.0 |
| Best for Low Fees | 7.7 | 9.3 |
| Best for Beginners | 6.3 | 7.4 |
Product
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
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
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%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): Annual Fee 0 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Physical card fee
Free*Show source
Physical card fee: Free
Issuance; 30 BRL if the physical card is cancelled within one year
Source states (paraphrased): Card Issuance Fee 0 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Issuance; 30 BRL if the physical card is cancelled within one year
Replacement fee
€25Show source
Replacement fee: €25
Source states (paraphrased): If you need to replace your card, a fee of €25 applies.
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
FX fee
2%*Show source
FX fee: 2%
1–2% depending on the transaction
Source states (paraphrased): Foreign Exchange Fee 1-2%
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
1–2% depending on the transaction
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
$1.50*Show source
ATM fee: $1.50
After 2 free withdrawals per month
Source states (paraphrased): ATM Withdrawal Fee 2 Free Monthly Withdrawals, thereafter 1.5 USD each
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
After 2 free withdrawals per month
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
Cashback & rewards
Max cashback
3%*Show source
Max cashback: 3%
Up to; paid monthly into the Binance wallet
Source states (paraphrased): Earn up to 3% cashback on all your spending.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Up to; paid monthly into the Binance wallet
Cashback paid in
BNBShow source
Cashback paid in: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
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%
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Rate depends on BNB holdings
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Rate depends on BNB holdings
Staking asset
BNBShow source
Staking asset: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
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%
Availability
Available in
Brazil*Show source
Available in: Brazil
Currently only Brazil
Source states (paraphrased): Your Binance Account country of residence must be one of the supported countries of Binance Card. Currently we support: Brazil.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Currently only Brazil
Features
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%
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Add your virtual card to your wallets to start spending your crypto.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): ATM Withdrawal Fee 2 Free Monthly Withdrawals, thereafter 1.5 USD each
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Binance Crypto Card supports the following cryptocurrencies: USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK, XRP, BRL, U
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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%
Limits
Spending limit
R$25,000*Show source
Spending limit: R$25,000
Per day (50,000 BRL per month); higher with further verification
Source states (paraphrased): Spending Limit 25,000 BRL 50,000 BRL 200,000 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Per day (50,000 BRL per month); higher with further verification
Security & custody
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
Annual cost at 1,500 EUR/month
Binance Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−16 EUR
- Cashbackunknown
- Net annual valuenot enough data
Ready Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers