The fastest SD cards are 300 megabytes/second, not megabit. All my Sandisk Extreme Pro cards, for example. I also have a bunch of Extreme Pro CF cards that are 160MB/s.
And then there's CFast - speeds in the 400MB/s range.
And then there's CFast - speeds in the 400MB/s range.
I'd imagine the card reader and USB are the same speed, unless they screwed up the implementation of the reader