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Comparison

Cypher Card vs. Ready Card compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Cypher CardCypher
  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Ready CardReady

In short

  • Ready Card has the higher score (61.28).
Attribute Cypher CardCypher Requires KYC Private Virtual Physical Metal Ready CardReady KYC unknown Private
Score average average
CostsWeight 25 % 68 not scored
KYC and privacyWeight 20 % 35 not scored
FeaturesWeight 15 % 76 100
AvailabilityWeight 10 % not scored not scored
RewardsWeight 10 % not scored not scored
TrustWeight 10 % 81 88
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC unknown
Limits (entry level)
  • Top-up per transaction: 100,000 USD
  • Spending per day: 50,000 USD
  • Spending per month: 150,000 USD
+4 		no limits captured
Basics
Card form (differs)
credit Source and check Source cypherhq.io Wording at the source # CYPHER CREDIT CARD ACCOUNT OPENING DISCLOSURES – NO SET LINE OF CREDIT Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
unknown
Card types (differs)
virtual, physical Source and check Source cypherhq.io Wording at the source Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Card network (differs)
Visa Source and check Source cypherhq.io Wording at the source The card program is issued by the Issuer under license from Visa. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Custody
self-custody Source and check Source cypherhq.io Wording at the source CypherD offers a Non-Custodial Wallet enabling users to store, manage, and transact with cryptocurrencies, as well as a Crypto Card designed for facilitating purchases. As a non-custodial service, Cyp... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
self-custody Source and check Source ready.co Wording at the source 1. The Ready App allows you to manage digital assets. As the Ready Products are non-custodial, you manage digital assets through the Ready App at your own risk. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model
stablecoin balance Source and check Source cypherhq.io Wording at the source - Your funds are completely safe and can be withdrawn at any time before the deadline, with no fees. - Withdrawals are processed in USDC on Base and may take 24 to 48 hours to reflect in your wallet.... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
stablecoin balance Source and check Source ready.co Wording at the source The new Ready will run on Base, giving members a fast and efficient way to hold and spend digital dollars through a self-custodial account. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies (differs)
USD Source and check Source cypherhq.io Wording at the source If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Usage
personal Source and check Source cypherhq.io Wording at the source - You will use the Cypher Card for personal, family, or household use. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
personal Source and check Source ready.co Wording at the source 3. The Ready App is for non-commercial use only; you may use the Ready App only for your own personal use. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs)
Third National Source and check Source cypherhq.io Wording at the source - "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Limits depend on (differs)
plan Source and check Source cypherhq.io Wording at the source The Standard Plan users have a daily limit of $10,000 and a monthly limit of $30,000. The Premium Plan users have a daily limit of $20,000 and a monthly limit of $60,000. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Cards per account
unknown
unknown
Availability
Available in
unknown
unknown
Crypto
Supported assets (differs)
ETH, USDC, SOL Source and check Source cypherhq.io Wording at the source Note: A single load of up to $100,000 can be added for USDC, USD, ETH, and SOL. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Number of supported assets
unknown
unknown
Top-up networks (differs)
Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, zkSync, Cosmos Source and check Source cypherhq.io Wording at the source 1. Ethereum 2. Polygon 3. Arbitrum 4. Optimism 5. Base 6. Injective 7. Osmosis 8. Cosmos 9. TX 10. BSC (Binance Smart Chain) 11. Solana 12. Avalanche (Avax) 13. ZKsync_ERA 14. Noble 15. Hyperliquid Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Fiat top-up (differs)
No Source and check Source cypherhq.io Wording at the source No, it's not possible to fund the card with fiat. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Payments
Mobile wallets
Apple Pay Google Pay Source and check Source cypherhq.io Wording at the source We've provided helpful links below to guide you through the process of adding your Cypher card to Apple Pay and Google Pay: Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Apple Pay Google Pay Source and check Source ready.co Wording at the source 2. Ready makes available the Ready app ("Ready App") and these terms of service apply to the use of that Ready App. "Ready Card" means a payment card issued by a third-party issuer that, where availab... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals (differs)
Yes Source and check Source cypherhq.io Wording at the source The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Contactless (differs)
Yes Source and check Source cypherhq.io Wording at the source The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Fees
Virtual card issuance (differs)
0.00 USD Source and check Source cypherhq.io Wording at the source Virtual card✅ Free ✅ Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Physical card issuance
unknown
unknown
Free cards
unknown
unknown
Shipping
unknown
unknown
Monthly fee
unknown
unknown
Annual fee
unknown
unknown
Top-up fee
unknown
unknown
Crypto deposit fee
unknown
unknown
Crypto conversion fee
unknown
unknown
Foreign currency fee (differs)
1.75 % Source and check Source cypherhq.io Wording at the source Forex Markup Non USD Transactions1.75% 0.75% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
FX free allowance
unknown
unknown
Minimum FX fee
unknown
unknown
ATM fee (differs)
3 % Source and check Source cypherhq.io Wording at the source ATM Withdraw Fee 3% 2% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Declined payment fee
unknown
unknown
Refund fee
unknown
unknown
Inactivity fee
unknown
unknown
Minimum monthly spend
unknown
unknown
Inactivity rule
unknown
unknown
Card replacement
unknown
unknown
Rewards
Cashback (differs)
unknown
only in the app Source and check Source ready.co Wording at the source 2.2 The Points rate depends on your Ready plan (e.g., Lite or Metal), transaction type, and any current promotions or rate boosts shown in the app. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Referral bonus (invited friend)
unknown
unknown
Referral bonus (you)
unknown
unknown
Welcome bonus
unknown
unknown

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