Ledger
Lava Card
Lava CardLava Card
VisaVirtual onlySince 2026Asks for everythingOperational
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.
Total, per $100 spent: not published
The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.
Open lava.xyzNot a paid link: we earn nothing either way.
Whether to take Lava Card
In its favour
- 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
Against it
- 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
Also true, in its favour
- 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
What Lava Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| Monthly | $0.00 |
| To spend it | |
| To spend outside the dollar | 0% |
| Total, per $100 spent | Not published |
Not published by the issuer: to issue the card, to load, to spend, per payment, fixed, at a cash machine.
Read off lava.xyz on July 31, 2026.
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.
KYC: what Lava Card asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Lava Card publishes no spending limits at all.
Where it works
WalletsNeither
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in1BTC
Chains1Bitcoin
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- 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
How we checked this
Thirteen fields are tracked for every service. 5 of them carry a figure we read off lava.xyz on July 31, 2026.
- Issuer's page
- Currency conversion · Monthly · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- The issuer does not publish
- Cost per $100 · Loading charge · Per-payment charge · Issuance · Cash machine charge · Spending limits · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open lava.xyzNot a paid link: we earn nothing either way.
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