kardpay Card vs Lava Card
Crypto native
Crypto native
Verdict
- kardpay Card and Lava Card have the same overall score (6.4/10).
- Lava Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
kardpay 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
★ 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 | kardpay Card | Lava Card |
|---|---|---|
| Fees | 59 | 100 |
| Cashback & rewards | – | 33 |
| Availability | 100 | – |
| FX & international | – | 100 |
| Product features | 70 | – |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.4 |
| Best for Travel | n/a | 7.6 |
| Best for Stablecoins | n/a | 7.4 |
| Best for High Spenders | n/a | 6.1 |
| Best for Low Fees | 6.2 | 9.3 |
| Best for Beginners | 7.4 | 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
Prepaid cardShow source
Credit cardConditions apply: tap or hover for detailsShow source
Secured: spends only the available dollar balance; no unsecured credit
Network
Visa / MastercardShow source
VisaShow source
Card issuer / program manager
Card program by Rain with a partner issuerShow source
Tiers / plans
Core · Pro · Elite · Physical EliteShow source
Fees
Annual fee
$29.04/yearConditions apply: tap or hover for detailsShow source
Core, $2.42/month billed annually; Pro $8.25/month, Elite $16.58/month, physical Elite $24.92/month
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
No spread on Visa's exchange rate
Top-up fee
5%Conditions apply: tap or hover for detailsShow source
Core; Pro and Elite 3%
Cashback & rewards
Base cashback
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
5%Conditions apply: tap or hover for detailsShow source
At Lava merchant partners, worldwide
Cashback paid in
BTCShow source
Cashback type
CryptoShow source
Cashback conditions
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
Spend own balance directly
YesShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
180+ countries
Account / spend currencies
USDT · USDCShow source
USDConditions apply: tap or hover for detailsShow source
Page says "Spend in Dollars"
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 Elite card
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Stablecoin deposits are credited as dollars
Limits
ATM limit
$1,500Conditions apply: tap or hover for detailsShow source
Per day, physical Elite card
Spending limit
$10,000Conditions apply: tap or hover for detailsShow source
Per year on Core; Pro $50,000/year, Elite $500,000/month
Annual cost at 1,500 EUR/month
kardpay Card
- Annual & monthly fees−26 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- 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