| Metal | Lite | |
| Fully self-custodial | Yes | Yes |
| Card type | Metal | Plastic |
| Cost | $120/year | Free |
| Shipping | Free (Express delivery) | $6.99 (User pays) |
| ATM Fees | Free up to $800, then 2% to the min of $1 | 2% to the min of $1 |
| FX fees | No | 1% |
| Perks | Yes | No |
| Native DeFi | Yes | Yes |
| Apple Pay | Coming soon | Coming soon |
| Google Pay | Yes | Yes |
| Ideal for: | Users who want a premium feel and better benefits | Users who want a free, practical way to spend crypto |
Ready Metal card
Ready rewards
Ready Rewards is a points system that rewards activity in the Ready app.
You can use points to:
- Refund eligible card purchases
- Get discounted subscriptions on brands like Claude, Netflix, and Spotify (coming soon)
Think of them like credit card points with real-world utility.
Why we built Ready Rewards
Ready Rewards is part of our vision to build the crypto alternative to your bank.
Instead of only rewarding card spending, we now reward activity across the entire Ready app.
How do I earn points?
Metal members earn points by:
- Spending with their Ready Metal Card
- Buying and selling tokens in the Ready app
You earn points based on your activity in the Ready app:
| Activity | Metal Card |
|---|---|
| Card spend | 3 pts / $1 |
| Buy or sell tokens | 0.6 pts / $1 |
This is V1 of Ready Rewards. More ways to earn are coming soon.
Point boosts for Metal members
Metal members can increase their earning rate in two ways:
Referrals
- Refer 2 friends to Metal and get a 2x boost for 30 days
- Every additional 2 referrals extend the boost by another 30 days
Power spender
- Be among the top 100 most frequent card users each month
- Receive a 2x boost the following month
With both boosts active, you can earn up to 9 points for every $1 spent.
How to use points
Refund card purchases
Points can be used to refund eligible purchases directly in the app:
- Make a purchase with your Ready Card
- Open the payment in Activity
- Tap Pay with Points
- Receive USDC back in your balance
You must have enough points to refund the full purchase amount.
COMING SOON: Discounted subscriptions
Pay for subscriptions like Claude, Netflix, or Spotify with your Ready Card and receive 25% of the total amount back in points.
When do I receive points?
Points become available after:
- The transaction settles (usually within 1 day)
- A 7-day grace period passes after settlement
Points are awarded as whole numbers only.
Who is eligible?
Almost anyone using the Ready app can earn points.
People based in Mainland China cannot spend Ready Reward points.
Do points expire?
No. Points currently do not expire while the Ready Rewards program remains active.
Perks & Benefits
Every day benefits
- No hidden fees: Spend anywhere in the world with no FX fees for Metal subscription, and 1% FX fee for Lite subscription. There's also no conversion, top-up or gas fees. 1 USDC equals $1.
- 16g Metal card: Stand out from the crowd with a 16g metal card, available in either gold or platinum.
- Free ATM withdrawls: Withdraw up to $800/month for free, anywhere in the world. A 2% fee applies to amounts beyond this limit to the min of $1. Some ATM providers may charge additional fees.
What perks come with the Ready Metal Card?
Ready Metal cardholders enjoy exclusive benefits on Ramp, Layerswap, Koinly, Nansen, StarknetID, Airalo and NordVPN. If you’re an Ready Metal cardholder, check the Ready app for the full list of perks and access discount codes.
- Ramp Network – 30% Off Fees
- Buy crypto with Visa, Mastercard, Apple Pay, and more.
- Ready Metal Card users get 30% off Ramp Network fees.
- Offer not available in the UK.
- Layerswap – Free Bridging
- Bridge crypto between blockchains and centralized exchanges with zero fees.
- Ready Metal Card users get 100% off bridging fees (up to $100/month).
- Fees are refunded in STRK and sent to your wallet weekly.
- Koinly – 20% Off Tax Plan
- Manage your crypto taxes easily with Koinly.
- Ready Metal Card users get 20% off Koinly’s 2025 tax plan.
- Nansen – 25% Off On-Chain Analytics
- Track top investors, token movements, and DeFi strategies with Nansen.
- Ready Metal Card users get 25% off.
- StarknetID – 50% Off Starknet ID Domain
- Claim your onchain identity with StarknetID.
- Ready Metal Card users get 50% off their Starknet ID domains for 12 months.
- Airalo – 15% Off eSIMs
- Stay connected in 200+ countries with Airalo’s travel eSIMs.
- Ready Card Premium users get 15% off all eSIM plans.
- No restrictions—use the discount multiple times!
- NordVPN – 70% Off NordVPN
- Browse anonymously and enjoy secure connections worldwide.
- Ready Metal Card holders get an additional 5% off NordVPN’s 2-year plans, already discounted by over 70%.
Please note:
- Ramp offer is not available in the UK.
- Nansen perk is not available to current subscribers.
- Layerswap fees are refunded in STRK on a weekly basis to your account (up to 25 STRK per week)
These perks are subject to change and may have specific terms and conditions.
What is the Ready Metal Card NFT?
The Ready Metal Card NFT is a non-transferable NFT designed to unlock onchain perks available for early Ready Metal card holders.
Ready Lite card
The Ready Lite card is a free plastic Mastercard that offers everyday benefits and rewards, giving you easy access to your crypto without the premium extras.
Ready rewards
Ready Rewards is a points system that rewards activity in the Ready app.
You can use points to:
- Refund eligible card purchases
- Get discounted subscriptions on brands like Claude, Netflix, and Spotify (coming soon)
Think of them like credit card points with real-world utility.
Why we built Ready Rewards
Ready Rewards is part of our vision to build the crypto alternative to your bank.
Instead of only rewarding card spending, we now reward activity across the entire Ready app.
How do I earn points?
You earn points based on your activity in the Ready app:
| Activity | Lite Card |
|---|---|
| Card spend | Not eligible |
| Buy or sell tokens | 0.3 pts / $1 |
This is V1 of Ready Rewards. More ways to earn are coming soon.
How to use points
Refund card purchases
Points can be used to refund eligible purchases directly in the app:
- Make a purchase with your Ready Card
- Open the payment in Activity
- Tap Pay with Points
- Receive USDC back in your balance
You must have enough points to refund the full purchase amount.
COMING SOON: Discounted subscriptions
Pay for subscriptions like Claude, Netflix, or Spotify with your Ready Card and receive 25% of the total amount back in points.
When do I receive points?
Points become available after:
- The transaction settles (usually within 1 day)
- A 7-day grace period passes after settlement
Points are awarded as whole numbers only.
Who is eligible?
Almost anyone using the Ready app can earn points.
People based in Mainland China cannot spend Ready Reward points.
Do points expire?
No. Points currently do not expire while the Ready Rewards program remains active.
Every day benefits
- No hidden fees: Spend anywhere in the world with no FX fees for Metal and 1% FX fee for Lite card. There's also no conversion, top-up or gas fees. 1 USDC equals $1.