Ready Card is a cryptocurrency payment card that grants you up to $1,800 cashback rewards over a full year. If you are curious whether Ready Card is a good fit for you, read closely. This article explains how fees work on Ready Cards. I also share what there is to love about the cryptocurrency payment card and who it is best suited for. Let’s begin.
Ready (Formerly Argent) Introduction
Rebranding to Ready in 2024, Argent is a smart contract crypto wallet provider that aims to replace traditional banks. Ready is not just a wallet. It is a DeFi ecosystem that allows users to deposit cash, put idle assets to work and unlock liquidity without selling assets.
What is Ready Card Crypto?
Ready Card is a self-custody crypto debit card that lives inside the Ready wallet. Ready Card works just like any debit card, but you spend in USDC. If your USDC balance is low, the card will decline.
Ready Card Supported Countries
Based on official website information, Ready Card is only available to residents in the UK and the European Economic Area. However, Ready promises to roll out in more countries in 2026.
Where can I use my Ready cryptocurrency card? 
You can use your Ready virtual or physical Card to make online payments anywhere Mastercard is accepted. The same goes for making offline payments. Since it is based on Mastercard, your Ready Card is compatible with millions of ATMs and point of sale terminals in 150+ countries.
How can I fund my Ready Card?
You can find your Ready card using any one of these methods
- Bank deposit
- Buy crypto directly on Ready Mobile
- Bridge assets from other wallets or exchanges
- Send funds from another Starknet wallet and pay $0.01 gas fees
What currencies does Ready Card support?
Ready Card lets you pay merchants in any currency Mastercard supports. As for cryptocurrencies, you can only load USDC into the card. Important word of notice. If you are abroad and a merchant offers to deduct you in USD, refuse and pay in local currency. That way, you can avoid FX fees or duties that vary by geography.
How to get the Ready cryptocurrency card?
The process to get the Ready Card is so simple that you can activate your virtual card in under five minutes:
- Step one: Download Ready Mobile on the Google Play Store.
- Step two: Register a new account using your email address
- Step three: Complete KYC verification to verify your identity
- Step four: Use the promo code and enjoy % off on your card issuance.
- Step five: Navigate to the Cards page on the official Ready site.
- Step six: Apply for the virtual or physical card. Once approved, you can start spending.
Ready Card Fees Explained
Use this table to find the fees for the Ready Card
| Category | Fee |
| Virtual card | Free |
| Gold or metal card | $120 for the first year |
| Metal card shipping | $6.99 |
| FX% | 0% on Metal
1% on Lite |
| Top-up fee | 0% |
| Conversion fee | 0% |
| ATM Withdrawals |
|
Ready Card Transaction Limit
| Category | Limit |
| ATM withdrawal |
|
| Maximum spending limits |
|
How does Ready Card STRK Cashback Work
This is where Ready Card shines compared to other cryptocurrency debit cards. In the course of a full year, users can earn up to $1800 in STRK rewards. These rewards are then sent to your wallet on the 15th of every month as Cashback.
Here’s how that works in greater detail:
- Ready Metal users earn 3% cashback on all spending categories except Gambling
- Ready Lite holders earn 0.5% Cashback on all categories except Gambling
The maximum obtainable cashback is $150 in STRK per month and $1,800 in STRK per year.
Ready Card Key Features
Basic features of the Ready Card wallet.
Exchange crypto and fiat instantly.
Ready Card is built around a simple system. Fund your card with USDC, and let the app automatically settle transactions in fiat through the Mastercard network. There’s no need to convert funds before spending or move assets across platforms.
Spend USDC anywhere MasterCard is accepted.
Ready Card gives you a way to spend crypto just as easily as local currency. It doesn’t matter where you are in the world. As long as you can find a Mastercard ATM or POS terminals nearby, you can spend as much as you like while paying 0% FX fees or 1% if you are a Lite user.
24/7 Fraud protection
Ready Card uses Mastercard’s trusted payment infrastructure, ensuring the highest level of security for user assets. Risk management algorithms also monitor transactions closely, so if a transaction checks the boxes for common red flags, Ready will warn you.
Earn returns by staking, investing or swapping.
Beyond spending, the Ready Card connects to a broader system that allows users to put their assets to work. Instead of leaving funds idle, you can stake, swap, or allocate them within the app depending on your strategy. This means your balance is not just sitting there waiting to be spent. It remains active within the ecosystem while still being accessible through the card. The result is a setup where earning and spending are not separate processes, but part of the same flow.
Non custodial
With Ready Card, you can instantly freeze lost cards or set spending limits for yourself, just like a regular bank. The difference is that in this case, you retain full control over user assets until the moment of the transaction.
Ready Card Advantages
- Zero FX Fees for Metal and 1% for Lite
- Users can potentially earn $1,800 cashback in a full year
- Travel perks for Metal users
- Working on a feature that lets users pay Spotify, OpenAI and Netflix directly using STRK points
- Google Pay and SmartWatch compatibility
Ready Card Disadvantages
- Unavailable for Apple users
- Layer 2 only
- Perks are limited to Metal users
- Only USDC spending
- Only available in the UK and the European Economic Area
What’s to like about the Ready cryptocurrency card
The best thing about Ready Card is that it grants you $1,800 in STRK just for doing something you do every day, shopping. Another aspect I really love is that there are virtually no gas fees on the cards. You heard me right. There is no conversion fee, no top-up fee, no FX fees (for Metal holders). The only exception is a 2% fee on ATM withdrawals and 1% FX fee on Lite cards.
Conclusion: Who Should Get The Ready Card
In conclusion, Ready Card is a self-custodial crypto debit card that bridges DeFi rewards with everyday spending. As a Ready Metal or Lite user, you can get $1800 cashback over a full year as long as you make enough qualified purchases.
Having said that, I think the Ready card is best suited for
- Nomads: The 0% FX fee on Ready Metal makes it one of the best travel crypto cards.
- Students: I would definitely recommend the Ready Card to college students who are trying to make every dollar count.
- This is because you cannot find a cashback offer like this anywhere else.
- Family shopping: Ready Card is designed as the perfect family shopping card.
- Ethereum investors: Anyone who needs a way to spend ETH/WBTC without moving it to a centralised exchange.
Ready Card Review FAQs
Is the Argent Ready Card Available Now?
Yes, the Ready Card is available now. You can get yours by downloading Ready Mobile and applying for a virtual or physical card.
How much are the Ready Crypto Card Annual Fees?
It costs $120 USD a year to renew your Ready crypto card.
Which spending categories qualify for cashback?
All categories earn cashback except for gambling, ATM withdrawals, money transfers, tax or fee payments and financial services.
How much are the Ready Crypto Card Annual Fees?
If your Ready Card is missing, freeze it instantly in the Ready Mobile app.
Can I link the Ready Card to Apple and Google Play?
As of February 2026, Ready Card only integrates with Google Play.
