Ready Lite: fees & cashback

Source: unverified, not checked against the issuer help center yet. Treat the numbers as indicative.

CashbackReady Rewards points: Lite none on card spend; Metal 3 pts/$1, up to 9 with boosts

FX / conversionLite: 1% FX; Metal: 0% FX

Annual feeLite: free; Metal: $120/yr

IssuanceLite free / Metal $120/yr

Top-up0%

ATMLite 2%; Metal free up to $800/mo, then 2%

RegionsEEA, UK (issue); spend in 140+ countries

Bonus: Self-custody USDC on Starknet; Metal 0% FX

Note: NEW CARDS NOT AVAILABLE (card program migration); Lite 1% FX; cashback replaced by Ready Rewards from May 2026

Tiers by plan

TierCashbackFXCapCost

Base0%1% *

* 1% per Ready notice 1 Apr 2026 via aggregator; aggregators report Lite/Metal cards stopped 29 Jul 2026, not confirmed by issuer

Source: unverified, not checked against the issuer help center yet. Treat the numbers as indicative.

What cashback does Ready Lite pay?

Ready Rewards points: Lite none on card spend; Metal 3 pts/$1, up to 9 with boosts

Does Ready Lite charge a foreign exchange fee?

Lite: 1% FX; Metal: 0% FX Listed FX on non-USD spend: 1%.

What does Ready Lite cost?

Annual fee: Lite: free; Metal: $120/yr. Issuance: Lite free / Metal $120/yr.

Where is Ready Lite available?

EEA, UK (issue); spend in 140+ countries

No receipts for this card yet. Paid with it? Drop the receipt on the home page and we compute your real FX spread.