Bit2Me Card vs Lava Card
Crypto native
Crypto native
Verdict
- Lava Card scores higher overall (6.4 vs 5.6 out of 10).
- Lava Card is clearly stronger on: Fees, FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bit2Me Card is a good fit for
- No specific audience can be derived from the published data yet.
Lava Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Fees, FX & international
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bit2Me Card | Lava Card |
|---|---|---|
| Fees | 89 | 100 |
| Cashback & rewards | 28 | 33 |
| Availability | – | – |
| FX & international | 20 | 100 |
| Product features | 70 | – |
| Custody & security | 60 | – |
| Credit & financing | 30 | – |
| Limits & ATM | 81 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.9 | 5.4 |
| Best for Travel | 5.2 | 7.6 |
| Best for DeFi Users | 5.4 | n/a |
| Best for Stablecoins | n/a | 7.4 |
| Best for High Spenders | 4.7 | 6.1 |
| Best for Low Fees | 7.2 | 9.3 |
| Best for Beginners | 7.2 | 6.8 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Credit cardConditions apply: tap or hover for detailsShow source
Secured: spends only the available dollar balance; no unsecured credit
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends a linked wallet on the Bit2Me exchange
Card issuer / program manager
PECUNIA CARDS EDE, S.L.U. (Pecunpay), e-money institution supervised by the Bank of SpainShow source
Card program by Rain with a partner issuerShow source
Tiers / plans
Space Center levels 0–7Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Physical card fee
€20Conditions apply: tap or hover for detailsShow source
Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain
Virtual card fee
FreeShow source
FX fee
2%Conditions apply: tap or hover for detailsShow source
Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro
0%Conditions apply: tap or hover for detailsShow source
No spread on Visa's exchange rate
Crypto conversion fee
0.95%Conditions apply: tap or hover for detailsShow source
Paying from a linked crypto wallet; 0% from the euro wallet
ATM fee
€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source
Outside the eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only
Free ATM allowance
€300/monthShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Users based outside the US; 3% for US users
Max cashback
7%Conditions apply: tap or hover for detailsShow source
Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)
5%Conditions apply: tap or hover for detailsShow source
At Lava merchant partners, worldwide
Cashback paid in
B2MShow source
BTCShow source
Cashback type
Platform tokenShow source
CryptoShow source
Max cashback per month
€300/monthConditions apply: tap or hover for detailsShow source
Level 7; €7.50 at level 1, none at level 0
Cashback conditions
Cashback level depends on the Bit2Me Space Center level · Monthly cashback cap from €7.50 (level 1) to €300 (level 7); no cashback cap listed at level 0 · Minimum purchase €0.30Show source
3% back in bitcoin for US-based users, 1% outside the US · 5% at Lava merchant partners · Redeemable from 100,000 sats (0.001 BTC) · No rewards on fines, taxes, insurance, rentals and schoolsShow source
Credit & financing
Credit line
NoShow source
Spend own balance directly
YesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Physical card only
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Stablecoin deposits are credited as dollars
Limits
ATM limit
€300Conditions apply: tap or hover for detailsShow source
Per day; €3,000 a month
Spending limit
€2,500Conditions apply: tap or hover for detailsShow source
Per transaction and per day; €20,000 a month
Annual cost at 1,500 EUR/month
Bit2Me Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Lava Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers