Earn /yr if you spend A year at $500/mo2.5% cashback+$150Crypto conversion−$90
2–3% back in USDT, 20% on subscriptions
Get BingX CardGet card
Lava Card
Tap the card to read the small print
Your first yearEarn about/yr
- Monthly fee · none
- $0
- Cashback · 3%
- /yr
- Currency fee · 0%
- $0
- ATM
- 2%, min $1
- Your money
- Company holds it
- Sign-up
- Lava account + ID check
- Apple / Google Pay
- No
- The card itself
- No card fee published
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For bitcoin holders who spend in dollars and want bitcoin back on every purchase without a yearly fee. Not for you if you take out cash often: every ATM withdrawal costs a cut.
Need cash from ATMs? Compare with ether.fi Cash
Good to know
- Bitcoin back on every purchase
- No FX fee and no spread
- Spend dollars borrowed against bitcoin
- Outside the US only 1% back
- ATM costs 2%, min $1
- Apple Pay and physical card not confirmed
Fees
SourceLava Card terms, US · checked November 10- Annual fee
- $0
- Paying abroad
- Lava Card terms, International · November 10
- 0% FX fee, no spreadUS terms: international transaction fee 0%
- Interest on purchases
- 0% APRSecured card: you spend your own USD balance
- Late payment
- 2% of the balance (US)International terms: $0
Plans
Lava Card (US)$0
- 5% back in BTC at Lava partners
- 3% back in BTC on other purchases
- Visa benefits: purchase protection, extended warranty, travel insurance
Lava Card (International)$0
- 5% back in BTC at Lava partners
- 1% back in BTC on other purchases
- No FX fee
Limits
SourceLava Card terms, International · checked November 10- Spending limit
- Your USD balance; set by LavaLava may change limits or cut them to $0
Top up & withdraw
SourceLava FAQ, supported stablecoins · checked November 10Top up
- Stablecoins
- USDC, USDT, PYUSD on Solana, Ethereum, Arbitrum, Avalanche, Base, Celo, Optimism, Polygon, Stellar, Tempo
Withdraw
- To a crypto wallet
- USDC on all 10 networks
- Cash withdrawal
- Lava Card terms, US · November 10
- 2%, min $1Same in the International terms; the launch blog says US ATMs are free
For residents of 232 countries
AfghanistanÅland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua & BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelgiumBelizeBeninBermudaBhutanBoliviaBosnia & HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBritish Virgin IslandsBruneiBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCaribbean NetherlandsCayman IslandsCentral African RepublicChadChileChristmas IslandCocos (Keeling) IslandsColombiaComorosCongo - BrazzavilleCongo - KinshasaCook IslandsCosta RicaCôte d’IvoireCroatiaCuraçaoCyprusCzechiaDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard & McDonald IslandsHondurasHong KongHungaryIcelandIndonesiaIrelandIsle of ManItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueNamibiaNauruNetherlandsNew CaledoniaNew ZealandNigerNigeriaNiueNorfolk IslandNorth MacedoniaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestinePanamaPapua New GuineaParaguayPeruPhilippinesPitcairn IslandsPolandPortugalPuerto RicoQatarRéunionRomaniaRwandaSamoaSan MarinoSão Tomé & PríncipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia & South Sandwich IslandsSouth KoreaSouth SudanSpainSri LankaSt. BarthélemySt. HelenaSt. Kitts & NevisSt. LuciaSt. MartinSt. Pierre & MiquelonSt. Vincent & GrenadinesSudanSurinameSvalbard & Jan MayenSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTrinidad & TobagoTunisiaTurkmenistanTurks & Caicos IslandsTuvaluU.S. Outlying IslandsU.S. Virgin IslandsUgandaUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVatican CityWallis & FutunaWestern SaharaYemenZambiaZimbabwe
Not on the list? Then Lava Card doesn't accept people living there yet.
- How they check where you live
- Not published
- ID from another country
- Not published
- ID accepted
- Lava Card terms, International · November 10
- Not published: Lava may ask for 'additional documents that are acceptable to us'; approval needed
- Pays in
- Lava FAQ, where the card is available · November 10
- Anywhere Visa works (150M+ merchants, 150+ countries); some merchant categories earn no rewards
Trust
SourceLava Card terms, International · checked November 10- Card issued by
- Third National (card issuer); Lava Global Inc. (technology provider)
- Licence
- Secured Visa card issued by Third National under a Visa licence; Lava is not a bank
- Based in
- United States (issuer address Birmingham, AL); Lava's terms governed by Cayman Islands law
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