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Crypto.com Visa Card (EEA) vs Lava Card

Crypto.com Visa Card (EEA)

Crypto native

6.1
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Lava Card

Crypto native

6.4
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Verdict

  • Lava Card scores higher overall (6.4 vs 6.1 out of 10).
  • Lava Card is clearly stronger on: Fees, Cashback & rewards.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Crypto.com Visa Card (EEA) 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, Cashback & rewards

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesCrypto.com Visa Card (EEA) vs ether.fi CashLava Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCrypto.com Visa Card (EEA)Lava Card
Fees87100
Cashback & rewards933
Availability100–
FX & international–100
Product features70–
Custody & security––
Credit & financing30–
Limits & ATM64–
Transparency100100
Best for Cashback4.45.4
Best for Travel6.37.6
Best for DeFi Users4.9n/a
Best for Stablecoinsn/a7.4
Best for High Spenders4.26.1
Best for Low Fees7.69.3
Best for Beginners7.66.8

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

Prepaid cardShow source
Credit cardConditions apply: tap or hover for detailsShow source

Secured: spends only the available dollar balance; no unsecured credit

Network

VisaShow source
VisaShow source

Card issuer / program manager

Foris MT Limited (Malta)Show source
Card program by Rain with a partner issuerShow source

Tiers / plans

Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source
No data yet

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking

No data yet

Physical card fee

€4.99Conditions apply: tap or hover for detailsShow source

Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake

No data yet

Replacement fee

€45.01Conditions apply: tap or hover for detailsShow source

Midnight; other tiers €50

No data yet

FX fee

No data yet
0%Conditions apply: tap or hover for detailsShow source

No spread on Visa's exchange rate

Top-up fee

1%Conditions apply: tap or hover for detailsShow source

Only for top-ups with debit/credit card; minimum top-up €20

No data yet

ATM fee

2%Conditions apply: tap or hover for detailsShow source

Above the monthly free ATM limit; ATM provider surcharges may apply

No data yet

Free ATM allowance

€200/monthConditions apply: tap or hover for detailsShow source

Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian

No data yet

Other fees & markups

Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source
No data yet

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Free tier

1%Conditions apply: tap or hover for detailsShow source

Users based outside the US; 3% for US users; 5% at Lava merchant partners

Max cashback

4.5%Conditions apply: tap or hover for detailsShow source

Highest tier; monthly caps apply by tier

5%Conditions apply: tap or hover for detailsShow source

At Lava merchant partners, worldwide

Cashback paid in

CROShow source
BTCShow source

Cashback type

Platform tokenShow source
CryptoShow source

Cashback conditions

No data yet
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

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Higher tiers via subscription or 12-month CRO staking

No data yet

Staking asset

CROShow source
No data yet

Capital required for top rewards

€450,000Conditions apply: tap or hover for detailsShow source

Obsidian tier (4.5%); 12-month lockup

No data yet

Reward exclusions

Certain merchant categories or channels are excluded from CRO RewardsShow source
No data yet

Credit & financing

Credit line

NoConditions apply: tap or hover for detailsShow source

prepaid card, must be topped up

No data yet

Spend own balance directly

No data yet
YesShow source

Availability

Available in

EEAShow source
No data yet

Account / spend currencies

EURShow source
USDConditions apply: tap or hover for detailsShow source

Page says "Spend in Dollars"

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

EU: available; not available in UK or Bahrain

No data yet

Google Pay

YesConditions apply: tap or hover for detailsShow source

EU: Google Wallet available, Samsung Wallet not available

No data yet

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

No data yet
YesConditions apply: tap or hover for detailsShow source

Stablecoin deposits are credited as dollars

Airport lounge access

NoConditions apply: tap or hover for detailsShow source

Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)

No data yet

Limits

ATM limit

€2,000Conditions apply: tap or hover for detailsShow source

Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day

No data yet

Spending limit

€25,000Conditions apply: tap or hover for detailsShow source

Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000

No data yet

Security & custody

Regulation / licences

Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source
No data yet

Annual cost at 1,500 EUR/month

Crypto.com Visa Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • 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

More Crypto.com Visa Card (EEA) comparisons

More Lava Card comparisons