Bleap vs Ready Card (2025): Full Card Comparison

Bleap vs Ready Card

In 2025, Bleap and Ready are two of the best self-custody crypto cards in Europe, both offering on-chain accounts, Mastercard acceptance, and low or zero FX fees. The key difference is how you pay for rewards: Bleap has a free card with 2% USDC cashback and no fees, while Ready splits into Lite (free + 0.5% cashback) and Metal (paid tier with up to 10% then 3% cashback). 

Key Takeaways

Use this as a quick decision helper before diving into details.

• Both are self-custody crypto cards that keep control of funds in your own wallet.
  
• Bleap: free card, no monthly or FX fees, 2% cashback in USDC, free ATM withdrawals up to 400 USD/month.
  
• Ready Lite: free card (you pay $6.99 shipping), 0.5% cashback, up to 200 USD/month fee-free ATMs.
  
• Ready Metal: 120 USDC per year, up to 10% cashback in first 30 days then 3% on capped monthly spend, up to 800 USD/month fee-free ATMs.
  
• FX and conversion: Both advertise no FX markup or crypto-to-fiat conversion fees when spending USDC with the card, using Mastercard’s official rate.
  
• If you want simple, predictable rewards with no subscription, Bleap is usually better. If you spend heavily in the first month and like perk-heavy tiers, Ready Metal can perform well despite the annual cost.
  

Bleap vs Ready at a Glance

Sources: Bleap docs and product pages; Ready Card FAQ and website. 

Bleap vs Ready: Score Summary (2025)

To help you quickly compare Bleap and Ready, the table below summarizes how both cards perform across the five categories users care about most: fees, rewards, custody, ease of use, and global accessibility. Each score reflects the real, practical experience of using the cards in 2025 and highlights where each option stands out.

What Is Ready Card?

Ready (formerly Argent) is an on-chain alternative to a bank, focusing on self-custody and Starknet-based infrastructure. It offers a crypto card that lets you spend USDC anywhere Mastercard is accepted, with no FX fees or conversion markups advertised on card spends. 

You can currently choose between two card types:

• Ready Lite: free physical card in bright orange, plus 0.5% cashback.
  
• Ready Metal: premium 16g metal card with higher cashback, additional perks, and no FX fees, but with an annual cost.
  

Custody and How Ready Card Works

Ready is explicitly self-custodial:

• Your funds stay in your own wallet until you spend.
  
• You load and spend USDC, and the card only works if there is enough USDC balance.
  
• KYC is handled by a regulated issuer (Kulipa) for card compliance, but Ready emphasises that this does not change self-custody of your assets.
  

For on-ramps, Ready supports:

• Bank deposits that convert to USDC for spending.
  
• Purchases inside the app via partners like Ramp or Banxa.
  
• Transfers from exchanges or other Starknet wallets.
  

Ready Card Fees Explained (the “Ready card fee” everyone searches for)

Users often search for “Ready card fee / Ready card feed” to understand the real cost. The structure is simple on the surface, but split by tiers: 

• Ready Metal
  
  • 120 USDC for the first year, paid upfront.
    
  • No automatic renewal, you choose whether to continue.
    
    
• Ready Lite
  
  • No subscription; you only pay $6.99 for shipping.
    

In both cases, Ready advertises:

• No FX fees on card spends.
  
• No crypto-to-fiat conversion fees and no hidden markups.
  
• No top-up fees when moving funds into Ready.
  

Conversion uses Mastercard’s official currency converter with no extra margin. 

Cashback and Limits on Ready

Cashback is where Ready becomes more complex and more “game-like”. 

Ready Metal:

• 10% cashback in the first 30 days, capped at 1,500 USD of spend
  
• After that: 3% cashback on up to 5,000 USD per month.
  
• Rewards are paid in STRK, up to 150 USD per month and 1,800 USD per year.
  

Ready Lite:

• 0.5% cashback on all eligible purchases, with the same caps (up to $150/month, $1,800/year).
  

ATM withdrawals:

• Ready Metal: up to $800/month with no additional Ready fees, then 2% above that.
  
• Ready Lite: up to $200/month free, then 2% above that.
  
• Some ATMs may still charge their own local fee, independent of Ready.
  
  

Spending limits:

• Max single transaction: 5,000 USD.
  
• Daily: 10,000 USD.
  
• Monthly: 30,000 USD.
  

These limits are generous enough for most everyday users and even many freelancers or small business owners.

What Is Bleap Card?

Bleap is a non-custodial fintech that lets you use an MPC wallet as your current account, with a free Mastercard for global spending. You connect a non-custodial wallet, and Bleap takes care of the 1:1 conversion between fiat and stablecoins when you spend, without adding spreads or FX fees.

Core ideas:

• Your funds sit in a non-custodial MPC wallet under your control.
  
• When you pay, Bleap converts stablecoins to local fiat at real rates, with no extra FX or conversion fees.
  
• You get 2% cashback in USDC, regardless of tiers or staking.
  

Bleap Card Fees (or rather, the lack of them)

Bleap’s card economics are intentionally minimalistic. According to Bleap’s pricing and product documentation:

• Card issuance: free virtual card immediately; free physical card.
  
• Monthly fee: none.
  
• FX fees: none for card spending.
  
• Crypto-to-fiat conversion fees: none; the model aims for 1:1 parity at spend time.
  
• Top-up fees: none from Bleap’s side; you only bear network gas fees when moving crypto on-chain.
  

For ATM withdrawals:

• Up to 400 USD per month in ATM withdrawals with no fees from Bleap, at any ATM where Mastercard is accepted. Above this, the local ATM’s own fee applies.
  
  

Bleap’s blog on international fees confirms this: in 2025 Bleap positions itself as the lowest-fee card for foreign transactions, with 0% FX, 0% conversion fees, and free ATMs up to 400 USD per month. 

Cashback and Yield on Bleap

Bleap keeps the reward program intentionally flat:

• 2% cashback in USDC, with no staking, no lock-ups, and no tier rules.
  
• Cashback is designed to be transparent and sustainable, rather than a short-term teaser.
  

Beyond cashback, Bleap also integrates with DeFi yields (for example, on stablecoins or ETH) so that users can earn interest while keeping funds in a non-custodial wallet. Yields are variable and depend on the underlying protocols, so Bleap emphasises risk disclosure and DYOR.

Bleap vs Ready: Fees and Real-World Cost

FX and Conversion Fees

On paper, both cards are extremely attractive for international spending:

• Ready: clearly states no FX fees and no conversion fees for USDC card spending, using the official Mastercard rate with no markup.
  
• Bleap: documents 0% FX and 0% crypto-to-fiat conversion, anchored in 1:1 fiat–stablecoin conversion at spend time.
  

This puts both ahead of classic fintechs and traditional banks that often charge 0.5–3% FX plus hidden spreads. 

UX tip:

In a comparison table on your site, highlight “FX / conversion fee = 0%” for both, then visually separate the subscription cost (Ready Metal) from the no-fee model (Bleap and Ready Lite).

Card Fees and Subscription Model

Here is where behaviour diverges:

• Bleap:
  
  • No monthly or annual fee.
    
  • You pay nothing for the card itself.
    
    
• Ready Lite:
  
  • No subscription, just $6.99 shipping.
    
    
• Ready Metal:
  
  • 120 USDC per year, paid upfront for the first year.
    

For anyone evaluating “Ready card fee”, the main cost to consider is whether you can justify 120 USDC per year relative to your spending and cashback.

Cashback: 2% Always vs 10% Promo + 3% Tier

Ready Cashback Math

Ready Metal’s cashback is deliberately eye-catching:

• 10% in the first 30 days on up to 1,500 USD spend.
  
• Then 3% monthly on up to 5,000 USD spend.
  
• Paid in STRK, with 150 USD monthly and 1,800 USD annual caps.
  

Ready Lite is simpler:

• 0.5% cashback in STRK, with the same caps.
  

Bleap Cashback Math

Bleap’s approach:

• 2% cashback in USDC on eligible purchases.
  
• No special tiers, promos, or staking hoops.
  

Example: 1,000 USD Spend per Month

Assume:

• 1,000 USD of eligible card spend every month.
  
• Ignore token price fluctuations and assume you fully use the 30-day Metal promo.
  

Bleap:

• 2% of 1,000 USD = 20 USD/month.
  
• Over 12 months = 240 USD equivalent, with no annual fee.
  
  

Ready Lite:

• 0.5% of 1,000 USD = 5 USD/month.
  
• Over 12 months = 60 USD equivalent, no subscription fee.
  
  

Ready Metal:

• Month 1: 10% on 1,000 USD = 100 USD.
  
• Months 2–12: 3% of 1,000 USD = 30 USD/month → 11 months × 30 = 330 USD.
  
• Gross annual rewards: 100 + 330 = 430 USD equivalent.
  
• Net of 120 USDC annual cost: 430 − 120 ≈ 310 USD net value.
  

If you spend consistently, Ready Metal can outperform Bleap in pure cashback this specific year in this scenario. However:

• Rewards are in STRK, so real value depends on token price and liquidity.
  
• The 10% promo only applies once.
  
• The 120 USDC price could be harder to justify if your monthly spend drops.
  

If you want simple, no-thinking rewards, Bleap’s 2% in USDC is more predictable and easier to understand.

ATM Withdrawals and Limits

For many users, cash access still matters.

• Bleap: free ATM withdrawals up to 400 USD/month worldwide; above that, only the ATM’s own fee applies.
  
• Ready Lite: free up to 200 USD/month, then 2% Ready fee above the limit.
  
• Ready Metal: free up to 800 USD/month, then 2% above the limit.
  

If you take out smaller amounts occasionally, Bleap’s 400 USD cap is enough and fee-free. Heavy ATM users might find Ready Metal’s 800 USD cap appealing, especially if they like the broader perks.

Custody and Security: MPC vs Starknet Self-Custody

Both providers are strongly aligned with Web3 values:

• Ready: emphasises that “no one can touch your assets”. It uses self-custodial smart contracts, and partners like Kulipa handle card issuance and KYC. Ready never holds your funds on its own balance sheet.
• Bleap: uses MPC (Multi-Party Computation) wallets, splitting your key into multiple shares so that no single party can move funds alone. Your password encrypts your key and is not stored by Bleap. This design keeps Bleap non-custodial, even though it feels like a simple app account.
  

From a security point of view, both are far closer to self-sovereign crypto than traditional custodial cards like those from exchanges.

Availability and Regions

• Bleap: currently issues cards to residents in the EEA and Switzerland, with worldwide usage wherever Mastercard is accepted. Plans indicate expansion to LATAM and other regions from 2026 onwards.
  
• Ready: card is currently available to users in the UK and EEA, with global Mastercard acceptance.
  

If you live in the EEA, you can realistically choose either. Outside these regions, availability becomes the first limiting factor.

Which Card Is Better for You?

Choose Bleap if…

• You want no monthly or annual card fee and hate complexity.
  
• You prefer flat, reliable rewards in a widely used stablecoin (USDC) instead of STRK.
  
• You value free ATMs up to 400 USD/month and a clean 0% FX / 0% conversion model.
  
• You like the idea of an MPC wallet that behaves like a modern on-chain current account.
  

Want a simple 2% cashback card with no monthly fees? Get started safely →

Choose Ready Lite if…

• You want a free starter card and are OK with 0.5% cashback.
  
• You expect moderate ATM usage, under 200 USD/month.
  
• You like using Starknet and want a simple way to spend USDC directly.
  

Choose Ready Metal if…

• You are a heavy spender (for example 2,000–3,000 USD/month or more).
  
• You can fully use the 10% first-month window and benefit from 3% afterwards within caps.
  
• You value perks like third-party discounts and are comfortable paying 120 USDC per year for these extras.
  

How to Decide in 3 Practical Steps

1. Estimate your annual card spend.
   
   • Under ~10,000 USD: Bleap or Ready Lite will usually be enough.
     
   • Well above that: consider if Ready Metal’s extra cashback justifies the subscription.
     
     
2. Check your ATM habits.
   
   • Mostly card payments, little cash: Bleap’s 400 USD free allowance is likely more than enough.
     
   • Frequent cash withdrawals above 400–800 USD/month: compare Bleap vs Ready Metal caps carefully.
     
     
3. Decide how much complexity you want.
   
   • If you prefer “set and forget” with transparent economics, Bleap is the cleaner choice.
     
   • If you enjoy optimising perks, promos, and STRK rewards, Ready Metal offers a gamified structure.
     

Risks and Disclaimers

Both cards sit in the crypto and DeFi space, so you should consider:

• Token price risk: Cashback in STRK or yields on crypto can lose value if markets drop.
  
• Smart contract risk: Even audited systems can have vulnerabilities.
  
• Regulatory risk: Rules around crypto cards and stablecoins can change, especially in the EU.
  
• Personal security: Self-custody means you must protect your wallet, password, and backup carefully.
  
  

This article is for educational purposes only and does not constitute financial advice. Always check the latest fee schedules and terms on each provider’s official website before making a decision.

FAQ: Bleap vs Ready Card

What are the main Ready card fees?

The main Ready card fees are 120 USDC per year for Ready Metal, plus any ATM fees above the free allowance, and $6.99 shipping for Ready Lite. Ready states there are no FX, conversion, or top-up fees on card spending in USDC. 

What is “Ready card feed / Ready card fee” that shows up in search?

Most people typing “Ready card feed” actually mean “Ready card fee”. They want to know if there is a monthly or hidden charge. In practice, the core cost is the Metal annual price (120 USDC) and ATM fees above the free monthly limit, while Lite stays free apart from shipping. 

Does Bleap charge any card or FX fees?

According to Bleap’s docs, no. Bleap does not charge card issuance, monthly, FX, or crypto-to-fiat conversion fees, and offers free ATM withdrawals up to 400 USD/month. Spending happens at 1:1 fiat–stablecoin conversion, without spread. 

Which card gives higher cashback: Bleap or Ready?

It depends on your profile:

• For regular, moderate spenders, Bleap’s simple 2% USDC cashback often delivers strong net value without an annual fee.
  
• For heavy, consistent spenders who can fully leverage the 10% first-month promo and 3% thereafter, Ready Metal can deliver higher gross rewards, but you must factor in the 120 USDC yearly fee and STRK price volatility.
  

Are both cards really self-custodial?

Yes, but via different architectures:

• Ready uses self-custody wallets on Starknet and never takes control of your assets.
  
• Bleap uses an MPC wallet that splits your private key, ensuring only you can authorise transactions.
  

In both cases, you control your crypto until you decide to spend. 

Which is safer: Bleap or Ready?

Both take security seriously and rely on non-custodial models. Safety will depend more on your own practices (strong passwords, secure backups, avoiding phishing) than on card choice. For long-term holdings, you may still want to combine these cards with hardware wallets or cold storage.

Which card is better for international travel?

• If you want genuine 0% FX fees, 0% conversion fees, predictable 2% cashback, and free ATM withdrawals up to 400 USD/month, Bleap is generally the stronger choice. Its fee-free structure means you get the same benefits on day one without needing subscriptions, promo periods, or reward caps, making it the most practical option for most travelers.
  

• Ready Metal does include a higher ATM allowance, but only after paying 120 USDC per year, and the value you receive depends on consistently high usage and token-based rewards. For occasional or moderate travelers, this often results in paying more to access perks you may not fully use.