Ready crypto card fees and cashback with USDC on Starknet

Ready Card Overview

Ready Card Key features

• Orders currently paused

  You cannot order Ready Card after issuer Kulipa wound down in July 2026. Ready has announced a successor card direction, but you cannot order that card yet.

• Self custody spending

  Users kept USDC in their own Starknet smart contract wallet until card settlement, rather than preloading a balance held by Ready. Users retained access to wallet funds after the issuer shutdown.

• Limited payment access

  Users approved a limited session key so Kulipa could take only the USDC needed to settle a purchase. Users could revoke that key without giving up control of the rest of their wallet.

• USDC Mastercard payments

  Users could spend Starknet USDC at merchants that accepted Mastercard, online or in stores. Users had to swap or bridge other assets before spending.

• Lite and Metal

  Lite users paid about $6.99 for plastic card shipping, while Metal users paid 120 USDC per year for a 16g metal card. Neither tier had a monthly fee.

• STRK cashback

  Historical cashback rates were 0.5% on Lite and 3% on qualifying Metal spending, with monthly caps. Users received STRK rather than dollars and faced token price risk; Ready later shifted reward terms toward Ready Points.

• Foreign currency spending

  Ready advertised 0% FX fees on Metal, while published Lite fee tables commonly listed 1%. Users paid at Mastercard's official conversion rate plus any applicable card FX fee.

• ATM cash withdrawals

  Historical published terms commonly gave Lite users $200 and Metal users $800 in fee-free ATM withdrawals per month, then charged 2%. Users also faced a commonly published daily ATM limit of about $500.

• Virtual card payments

  Eligible users could use virtual cards and Google Pay in the UK and EEA while the program operated. Ready promised Apple Pay, but users could not consistently use it.

• In app controls

  Users could check transactions and reveal their PIN in the Ready app. They could also view virtual card details or freeze a lost card with one tap.

Ready Card Fees

• Recurring fees While the program ran, users paid $0 in monthly fees on either tier, and Metal users prepaid 120 USDC per year.
• Lite shipping Lite users paid about $6.99 for shipping.
• FX fees Ready advertised 0% FX for Metal, while Lite users commonly paid a published 1% FX fee, with conversion at Mastercard's official rate.
• ATM withdrawals Users commonly paid no withdrawal fee on the first $200 per month with Lite or $800 with Metal, then paid 2% beyond that allowance.
• Wallet funding Users paid 0% protocol conversion fees on USDC spend but still paid any bridge or onramp fees unless they received a promotional refund.

Ready Card Supported networks

• Starknet
• Ethereum
• Base

How to use Ready Card

1. 1

   Create your account

   You cannot order or use the old Ready Card now; these steps describe the program before the July 2026 shutdown. Install the official Ready app from the iOS or Android store and create or restore your self custody account.

2. 2

   Verify your identity

   Complete the card issuer's identity verification in the app. Check regional eligibility before you proceed: the issuer restricted the old program to EEA residents in June 2026.

3. 3

   Fund your wallet

   Transfer USDC on Starknet to your card wallet, or use the supported in-app purchase or bridge route. Keep enough spendable USDC for your first purchase, with some extra as a buffer.

4. 4

   Choose your card

   Open the card section and select Lite or Metal. Under the old terms, you paid about $6.99 for Lite shipping or 120 USDC for a year of Metal.

5. 5

   Activate your card

   Activate the card and approve the limited session key so the issuer can settle the USDC amount needed for each purchase. You keep control of the remaining wallet funds and can revoke the key.

6. 6

   Make your first payment

   Reveal your virtual card details in the app and enter them at an online checkout that accepts Mastercard. For an in-store payment, use the physical card or add it to Google Pay where supported.

Ready Card Demo video

Ready Card Screenshots

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Ready Card User Reviews

• 

  @zenitho_xbt May 13, 2026

  Finally got my first READY CARD cashback reward today! 💸
  
  I used the ready card to make all my transactions in Bali. I was able to spend in Crypto without any limits. Just tap > done
  
  If you're looking for a platform that offers real market exchange rates, low fees and actually works worldwide without limits, this is it.
  
  It's rare to find a service this seamless and rewarding. Definitely worth the switch! 🚀🌍

  View on X ↗
• 

  @CryptoTeluguO Jan 18, 2026

  💳Received @ready_co metal card
  
  🗓️Took 6 days
  👌Looks great
  🏧Tried ATH withdraw
  
  💵$1 = ₹90.49
  0️⃣Zero fee on withdrawal (upto $800 monthly)
  😁Over all gear experience
  
  💸Spent $84 for card
  🎁Already made $70 in cashbacks

  View on X ↗
• 

  @nick_you_ Jun 16, 2026

  The bridge between crypto and real-world payments is currently paused for me.
  
  It was a pleasure using Ready Card, though navigating payment gateway regulations is always challenging.
  
  Thank you to @ready_co for empowering the Starknet community to truly own their freedom. 🧡

  View on X ↗

Ready Card Review

Ready funding

• Founded by Itamar Lesuisse co-founded Ready as Argent in 2017 and is its CEO; the raw data does not name other founders or give his earlier background.
• Seed - Nov 2018 Ready raised about $4 million to $4.12 million around November 2018, with Index Ventures and Creandum among the backers; the raw data does not name a lead investor.
• Series A - Mar 2020 Ready announced a $12 million Series A in March 2020, led by Paradigm.
• Series B - Apr 2022 Ready announced a $40 million to $41.4 million Series B in April 2022, co-led by Fabric Ventures and Metaplanet (Jaan Tallinn).

Ready Card Updates

1. 

   Ready Sep 1, 2026 · 14:45
   What’s the most financially irresponsible thing you’ve done for something you’re a fan of? We’ll go first: international shipping
   • 17 replies
   • 3 reposts
   • 46 likes
   • 14.9K views
2. 

   Ready Aug 24, 2026 · 16:18
   Community Finance (noun): A category of financial products that redirect a portion of the value created by users' everyday transactions to communities the users select, in exchange for access to exclusive experiences.
   • 9 replies
   • 2 reposts
   • 36 likes
   • 15.2K views
3. 

   Ready Aug 21, 2026 · 16:15
   Every time you spend, it supports your community.
   That spend earns you points which you can use toward exclusive perks.
   Choose who your money supports. Be Ready.
   • 9 replies
   • 4 reposts
   • 30 likes
   • 12.2K views
4. 

   Ready Aug 19, 2026 · 15:07
   Loyalty & belonging has never had a way to show up in your bank account.
   Community Finance is the category that brings you closer to the community you love.
   Perks you can earn are designed by the community for its supporters.
   Everything you were already going to buy now counts for something.
   Choose who your money supports.

   
   • 12 replies
   • 4 reposts
   • 26 likes
   • 9.9K views
5. 

   Ready Aug 6, 2026 · 10:35
   Introducing Ready's next chapter: Community Finance.
   Every coffee, every commute, every checkout will soon create value for the community you love.
   And it’ll unlock exclusive access to experiences money can’t buy.
   A new category of finance, built around belonging.

   1 more in this thread

   Here’s why we’re building a category-defining product. Read the letter from our CEO @itamarl on the next chapter of Ready 👇
   https://www.ready.co/blog/community-finance
   • 41 replies
   • 16 reposts
   • 141 likes
   • 33.1K views
6. 

   Ready Aug 6, 2026 · 10:28
   At Ready we've always been obsessed with one question: who does money actually benefit?
   For years we've been building the foundation of a new, global financial system.
   Today, the next chapter: Community Finance.
   Spending that supports your community.
   • 25 replies
   • 17 reposts
   • 99 likes
   • 7.4K views
7. 

   Ready Jul 29, 2026 · 16:38
   Important update on Ready Cards.
   Our card issuer is winding down and can no longer support the card program. We were given no notice, so if you were relying on the card today, you found out at roughly the same time we did. We are sorry for this; it’s not the experience we strive for.
   Eligible card subscriptions will be refunded automatically.
   Ready has always been self-custodial, so your assets sit in your own wallet under your own control.
   We’re hyper-focused on building the next chapter of Ready on new infrastructure designed for greater reliability and long-term scale. It will enable an exciting new direction for Ready. We’ll share more on this very soon!
   • 50 replies
   • 12 reposts
   • 127 likes
   • 61.1K views
8. 

   Ready Jun 11, 2026 · 14:08
   Take full control of your money before someone else does.

   
   • 56 replies
   • 2 reposts
   • 63 likes
   • 29.4K views
9. 

   Ready Jun 9, 2026 · 14:03
   What if you could pay for your favourite games in digital dollars?
   • 18 replies
   • 29 likes
   • 12.9K views
10. 

    Ready Jun 5, 2026 · 14:30
    You can earn 2.4% APY by liquid staking Bitcoin on Ready.
    If your Bitcoin is just sitting there, it might as well earn extra rewards.

    
    • 6 replies
    • 33 likes
    • 12.2K views
11. 

    Ready Jun 3, 2026 · 17:03
    Market conditions shouldn't change how you pay.

    
    • 4 replies
    • 1 reposts
    • 41 likes
    • 8.8K views
12. 

    Ready May 31, 2026 · 13:00
    POV:
    the cashier has no idea you just paid with usdc

    
    • 15 replies
    • 3 reposts
    • 52 likes
    • 8.7K views
13. 

    Ready May 30, 2026 · 13:00
    you can withdraw cash with Ready
    that would have blown minds 3 years ago

    
    • 8 replies
    • 4 reposts
    • 56 likes
    • 9.4K views
14. 

    Ready May 28, 2026 · 14:00
    JUST IN: Ready intern buys a pizza with USDC

    
    • 12 replies
    • 1 reposts
    • 57 likes
    • 6.9K views
15. 

    Ready May 27, 2026 · 14:00
    _____ and a Ready Card
    • 10 replies
    • 1 reposts
    • 22 likes
    • 6.2K views
16. 

    Ready May 27, 2026 · 11:00
    how to get a free Ready Card:
    1. download Ready
    2. apply for your card
    3. select Lite at checkout
    Virtual cards can be used instantly and added to Google Wallet or used for online shopping

    
    • 24 replies
    • 4 reposts
    • 111 likes
    • 12.6K views
17. 

    Ready May 26, 2026 · 14:00
    sometimes you need cold hard cash
    Ready Card is how you get it

    
    • 10 replies
    • 5 reposts
    • 54 likes
    • 7.2K views
18. 

    Ready May 25, 2026 · 14:00
    how to opt out of the banking system:
    step 1: download Ready
    step 2: there is no step 2
    • 29 replies
    • 1 reposts
    • 40 likes
    • 6.2K views
19. 

    Ready May 25, 2026 · 08:00
    gm

    
    • 21 replies
    • 3 reposts
    • 20 likes
    • 4.5K views

Ready Card Reviews & Comments

No reviews yet. Be the first to share your experience.

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