ether.fi Cash vs Ready
Two self-/non-custodial cards. ether.fi pays 3% in wETH with no fee and broad availability; Ready keeps USDC in your Starknet wallet with 0% FX on Metal but is EEA/UK only.
Quick verdict
Both let you spend without giving up custody. ether.fi Cash is free, broadly available, and pays a flat 3% in wETH. Ready is a Starknet-native USDC card — its Metal tier has 0% FX (official Mastercard rate) and 3% cashback in STRK — but it costs $120/yr upfront, is limited to the EEA/UK, and supports Google Pay only (no Apple Pay yet).
Side-by-side
| ether.fi Cash | Ready | |
|---|---|---|
| FX Fees | 0% on USD & EUR · 1% on other currencies | Lite 1% · Metal 0% (official Mastercard rate) |
| Payback | 3% cashback for all cards, paid in wETH | Lite 0.5% · Metal 3% in STRK (≈$150/mo cap) |
| Annual Fee | Free | $6.99 Physical Lite · $120/yr Ready Metal |
| Physical Card | Metal card + virtual | Lite plastic · Metal 16g (gold/silver) |
| Custody | Non-custodial | Self-custodial |
| Supported Currencies | Settles in USD & EUR · funded from ETH & stablecoins | USDC only (on Starknet) |
| Region | Global (most regions) | EEA + UK only |
Verdict by dimension
Custody
Tie — ether.fi non-custodial, Ready self-custodial; both keep funds in your wallet.
FX Fees
Ready Metal's 0% edges ether.fi on non-USD/EUR spend; ether.fi is free where Ready Metal costs $120/yr.
Annual Fee
ether.fi wins — free vs Ready's $6.99 Lite / $120/yr Metal.
Cashback
Tie at the top — both around 3% (ether.fi flat in wETH; Ready Metal in STRK, Lite 0.5%).
Availability
ether.fi wins — Ready is EEA/UK only.
Choose ether.fi Cash if…
you want zero annual fee, broader regional availability, and cashback in wETH.
Choose Ready if…
you're in the EEA/UK, live in USDC on Starknet, and want 0% FX with self-custody and a metal card.