TL;DR.Lava Card is a Visa crypto debit card (Virtual, KYC: Full KYC). Cost per $100 spent: not disclosed. Top-up fee not disclosed, FX fee 0%. Wallet support: none. Status: Operational. Last verified: July 31, 2026.
CARD PROFILE · FULL KYC
Lava Card.
A secured Visa credit card built on top of a bitcoin-backed lending protocol: spend dollars against BTC collateral without selling it, pay zero FX fee and zero spread anywhere in the world, and earn up to 5% back in actual bitcoin.
Cost / $100
—
Top-up fee
—
Network
Visa
Card type
Virtual
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +Up to 5% back in real bitcoin, not points — 5% at Lava merchant partners worldwide
- +3% back in bitcoin for US-based users, 1% for users outside the US, on all other purchases
- +Zero FX fee and zero spread — you get Visa's official rate with no markup
- +No annual fee and no minimum spend
- +Fund it three ways: stablecoin deposit, bank transfer, or direct deposit of your paycheck
- +You can also spend against your bitcoin without selling it, via Lava's BLOC line of credit
- +Rewards are issued as soon as the transaction settles
- +Works anywhere Visa is accepted — 150M+ merchants across 150+ countries
Cons.
- −It is a secured credit card, not a debit card — spending is gated by your dollar balance and issuer approval
- −Apple Pay and Google Pay support is not published anywhere on the official site
- −Physical card availability is not documented — treat it as digital-only until confirmed
- −Top-up and issuance fees are not published
- −Spending limits are not published
- −If you fund by borrowing against BTC via BLOC, interest starts at 5% and your collateral is at liquidation risk
- −Reward rate is heavily US-biased: 3% domestic versus 1% for everyone else
- −Country eligibility for card issuance is not published
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
—
Transaction fee
—
FX fee
0%
Issuance
—
Monthly
Free
Cost / $100
—
No annual fee, no minimum spend, and no FX fee or spread on foreign currency — Lava passes through Visa's official exchange rate without markup. Rewards: 5% in bitcoin at Lava merchant partners globally, otherwise 3% for US-based users and 1% for users outside the US. Top-up fee, issuance fee and spending limits are not published on the official site. Funding by borrowing against bitcoin through BLOC carries interest starting at 5% and up to 50% loan-to-value.
COVERAGE
Where it works.
Supported coins
BTC
Chains
Bitcoin
Use cases
Online · IRL
Blocked countries
None
WALLETS
Apple PayNo
Google PayNo
ATMNo
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
—/100
Verified July 31, 2026
ALTERNATIVES