Moonwell Card vs Ready Card (Argent)
On cashback Ready Card (Argent) wins (up to 3%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Ready Card (Argent) does better (0% vs 1.5%). The choice depends on your real spending profile: redo the math with your volumes before picking between Moonwell Card and Ready Card (Argent).
| Moonwell Card | Ready Card (Argent) | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 4.0 | ★ 4.2 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Mastercard |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | $2,000/day (max 3 withdrawals), $10,000/month | Lite: $200/mese; Metal: $800/mese (poi 2%) |
| ATM withdrawal | 3% | 2% |
| FX markup | 1.5% | 0% |
| Cashback | Not disclosed | 3% in STRK · Nessuno |
| Chains | Base | — |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 4/10 | 7/10 |
| Supported countries | US, EEA, UK, APAC, LATAM · 180+ countries | EEA, UK · 31+ countries |
| Funding / solidity | Moonwell è un protocollo DeFi di lending open-source sulla rete Base, governato da una DAO (token WELL). La Moonwell Card è realizzata in collaborazione con Cypher, con il partner bancario Reap (Hong Kong) come emittente Visa. | — |
| Regulator | Reap (partner bancario, membro principale Visa con sede a Hong Kong) | UK FCA (partner Kulipa) |
| Segment | B2C | B2C |
| Regions | US, EU/EEA, UK, APAC, LATAM | EU/EEA, UK |
| Licences & safety | EMI (partner Kulipa) |
Frequently asked questions
Moonwell Card vs Ready Card (Argent): which is better?
On cashback Ready Card (Argent) wins (up to 3%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Ready Card (Argent) does better (0% vs 1.5%). The choice depends on your real spending profile: redo the math with your volumes before picking between Moonwell Card and Ready Card (Argent).
Which is cheaper, Moonwell Card or Ready Card (Argent)?
On the standard spending profile Moonwell Card has the lowest net annual cost: €0 versus €0 for Ready Card (Argent).
Which offers more cashback, Moonwell Card or Ready Card (Argent)?
Ready Card (Argent) has the highest cashback: up to 3%. Note the top rate often requires token staking and is subject to spending caps.
Is Moonwell Card custodial or self-custody?
Moonwell Card is self-custody: you keep the keys, while Ready Card (Argent) is self-custody.
Which is better for spending abroad?
For foreign-currency spending Ready Card (Argent) wins, with the lowest FX markup: 0%.