Delisted Discontinued

Ready Card review: discontinued

The flat-3% Ready Metal card is gone. Existing cards are being switched off, new ones cannot be ordered, and the card Ready plans next is built around communities rather than cashback.

Ready, the self-custodial wallet formerly called Argent, ran one of the simplest cards in the self-custody category: a Mastercard paying a flat 3% in USDC with no FX fee on its $120-a-year Metal plan. That programme has ended in three steps, all set out in Ready's own help centre.

What happened

New cards stopped. Ready stopped issuing physical and virtual cards while it moved to a new card partner. It has no launch date for the new programme and no waiting list, and says anyone who wants a new card will have to open a new Ready account and move their funds first.

Existing cards are being switched off. Ready says its current card provider "can no longer deliver the level of reliability Ready Cards require", so existing physical and virtual cards will stop working for purchases, ATM withdrawals and recurring payments on a date it has not yet confirmed. It warned it could be within days or weeks of its notice and will email cardholders when the date is set. Outside the EEA, service had already stopped earlier, with subscriptions refunded pro rata.

The app moved. In mid-August the Ready app moved from Starknet to Base, with every user given a new self-custodial account there. Starknet assets did not move automatically; they stay under your control and can be reached through Ready X, Ready's Starknet wallet.

If you still have a Ready Card

1. Move recurring payments now. Netflix, Spotify, phone bills and anything else charged to the card will fail once it is switched off.
2. Check where your funds are. Your wallet keeps working. You can send funds to your bank with Cash Transfer where it is available, or move them to another wallet.
3. Recover anything left on Starknet. If you held tokens, NFTs or DeFi positions in the old Starknet account, open Ready X, or move them out with Layerswap from the app's browser tab. Ready advises sending to a wallet you control before depositing to an exchange, as some exchanges block third-party transfers.
4. Pick a replacement card before the switch-off date, so you are not left without one.

What comes next

Ready says it is working with new partners on a card with Apple Pay and Google Pay, but has published no issuer, fees, countries or date. Its stated direction is "Community Cards": cards built around a particular community, which receives a share of the revenue the card generates. Ready describes this as moving beyond "cashback programs", so there is no sign the flat 3% will return. We will review the new card if and when it can be ordered.

The best replacements

For the same mix of self-custody, stablecoin spending and no FX fees, Bleap is the closest match: 1% back in USDC, no fees of any kind, available across the EEA and in Switzerland. If you hold ETH, ether.fi Cash pays more on everyday spending and lets you borrow against it without selling. If you want the highest flat rate and are happy with a custodial exchange account, OKX pays 2% up to €50 a month. Our self-custody guide compares the rest.

Licensing: Argent Labs Limited, the London company behind Ready, states in its terms that it is not authorised by the Financial Conduct Authority or any other regulator, and that assets in the Ready app are not covered by any compensation scheme. The card was issued by a third-party issuer under separate terms, and that is the relationship now ending.

Who it's for: nobody new for now. If you have a Ready Card, use this page to wind it down, and switch to Bleap or another card from our ranking.