Comparison
Karma Card vs. Ready Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Karma CardKarma
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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 |
Karma CardKarma
Requires KYC
Private
|
Ready CardReady
KYC unknown
Private
|
|---|---|---|
| Score | average | average |
| CostsWeight 25 % | 67 | not scored |
| KYC and privacyWeight 20 % | 35 | not scored |
| FeaturesWeight 15 % | 53 | 100 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 70 | 88 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC unknown |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form (differs) |
credit
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
Cards are issued either by the issuer identified on the back of the Karma Card issued to you, as identified in these Card Terms, or any other agreements or materials provided to you (in each case, the...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Card types | unknown | |
| Card network (differs) |
Visa
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
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? |
|
| Custody |
self-custody
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
4. Your Karma wallet is non-custodial. You alone hold and control your assets, and balances are not pooled or commingled with Karma funds.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
self-custody
ready.co checked 29 Oct 2026
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
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
Trade across chains, spend with a crypto card, and receive euros, dollars, and pounds. Self-custodial, one stablecoin balance.Self-custodial, settled to one stablecoin balance.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
stablecoin balance
ready.co checked 29 Oct 2026
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
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
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? |
|
| Usage |
personal
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
You will use the Karma 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
ready.co checked 29 Oct 2026
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
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
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? |
|
| Limits depend on | unknown | |
| Cards per account | unknown | |
| Availability | ||
| Available in | unknown | |
| Crypto | ||
| Supported assets (differs) |
USDC
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Eligible Ethereum USDC balances now appear alongside other Cash balances when topping up a Karma card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Number of supported assets | unknown | |
| Top-up networks | unknown | |
| Fiat top-up | unknown | |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Apple Wallet support — add your Karma card to Apple Wallet for tap-to-payChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
ready.co checked 29 Oct 2026
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
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Implemented an updated fee collection mechanism for Karma card transactions, covering pass-through costs and service fees. Fees are automatically calculated and collected alongside each transaction wi...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Contactless | unknown | |
| Fees | ||
| Virtual card issuance | unknown | |
| Physical card issuance | unknown | |
| Free cards | unknown | |
| Shipping | unknown | |
| Monthly fee | unknown | |
| Annual fee | unknown | |
| Top-up fee | unknown | |
| Crypto deposit fee | unknown | |
| Crypto conversion fee | unknown | |
| Foreign currency fee (differs) |
1 %
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
FX fee: 1% on non-USD transactionsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee | unknown | |
| Transaction fee (differs) |
0.5 %
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Karma service fee: 0.5% per transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Cross-border fee | unknown | |
| Withdrawal fee | unknown | |
| Activation fee | unknown | |
| Minimum top-up | unknown | |
| Declined payment fee | unknown | |
| Refund fee | unknown | |
| Inactivity fee | unknown | |
| Minimum monthly spend | unknown | |
| Inactivity rule | unknown | |
| Card replacement | unknown | |
| Rewards | ||
| Cashback (differs) | unknown |
only in the app
ready.co checked 29 Oct 2026
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 | |
| Referral bonus (you) (differs) |
not published
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Referrals — invite friends with your own custom invite code.Checked Verified Add this value? No earlier versions What does [s] mean? |
|
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Karma Card · Ready Card: promotions and bonuses as well as warnings and incidents.