/ Crypto Card Compare

Plutus Card vs Ready Card

Both cards target UK and EU residents. Here's the side-by-side on fees, cashback, and where each is available — verified May 2026.

Plutus Card
Ready Card
Provider
Plutus (London FCA EMI) / Modulr safeguarding
Ready (formerly Argent) / Kulipa session-key auth
Network
Visa
Mastercard
Funding model
Pre-funded debit (you load crypto/stablecoins to spend)
Self-custodial — funds stay in your wallet until spent
Cashback
Up to 9% in PLUS Points (PLU) (realistic ~3%)
Up to 3% in STRK (realistic ~2.5%)
Issuance fee
$13
$7
Monthly fee
$7.50
$0
FX markup
2.5%
0%
ATM fee
2%
2%
Available in
United Kingdom and European Economic Area
United Kingdom and European Economic Area
Settlement currency
multi_currency
USD

The verdict

Ready Card is self-custodial — your funds stay in your wallet — while Plutus Card holds your balance. Ready Card has no FX markup, making it the better travel option.

About Plutus Card

Plutus Card is a Visa debit card issued by Plutus (London FCA EMI) / Modulr safeguarding, available to residents of United Kingdom and European Economic Area. It is a pre-funded debit card — you top up your card balance with crypto or stablecoins before spending. Cashback is Up to 9% in PLUS Points (PLU) (realistic ~3%).

Full Plutus Card review →

About Ready Card

Ready Card is a Mastercard debit card issued by Ready (formerly Argent) / Kulipa session-key auth, available to residents of United Kingdom and European Economic Area. It is a self-custodial card — your funds remain in your wallet until each transaction is authorised. Cashback is Up to 3% in STRK (realistic ~2.5%).

Full Ready Card review →

Other comparisons

Last verified May 2026. How we collect this data · Affiliate links and direct links are presented equally.