Verdict
- Kripicard and Lava Card have the same overall score (7.1/10).
- 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.
Kripicard is a good fit for
- Frequent travellers
Lava Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- 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 | Kripicard | Lava Card |
|---|---|---|
| Fees | 69 | 100 |
| Cashback & rewards | – | 33 |
| Availability | 100 | – |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | – | 80 |
| Credit & financing | – | 75 |
| Limits & ATM | – | 60 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.7 |
| Best for Travel | 8.0 | 7.9 |
| Best for Self-Custody | n/a | 7.8 |
| Best for DeFi Users | n/a | 7.4 |
| Best for Stablecoins | n/a | 8.1 |
| Best for High Spenders | n/a | 6.5 |
| Best for Low Fees | 7.9 | 9.4 |
| Best for Beginners | 7.6 | 7.6 |
| Best Crypto Credit Card | n/a | 7.5 |
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 card, Credit cardConditions apply: tap or hover for detailsShow source
Virtual cards funded with USDT across multiple BINs
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
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Collateral held in user's linked wallet; Lava and Issuer do not hold custody
Card issuer / program manager
Third National (Issuer); Lava Global Inc. technology providerShow source
Tiers / plans
Kripicard PremiumShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
$5Conditions apply: tap or hover for detailsShow source
Negotiable on volume; all cards billed in USD
FX fee
0%Show source
0%Conditions apply: tap or hover for detailsShow source
No spread on Visa's exchange rate
Top-up fee
4%Conditions apply: tap or hover for detailsShow source
Fees may vary depending on funding method
ATM fee
2% (min. $1)Conditions apply: tap or hover for detailsShow source
Page writes '$1'; USD inferred from US-dollar terms
Other fees & markups
Processing fee $1 · Minimum $10 initial load (credited as balance) · Chargeback/refund rate must stay below 15%Show source
Returned payment fee up to $29 · Gas fees of any collateral liquidation paid from collateralShow source
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
Reward exclusions
Some merchant categories excluded by card partners · Refunded, reversed or incomplete purchasesShow source
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Secured by crypto collateral; spending limit equals collateral market value
Credit type
Crypto-backed creditShow source
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
Currently 0%; Issuer and Lava may introduce interest for new purchases
Grace period
Payment obligations must be paid within one calendar day, else liquidation event; extra grace at discretionShow source
Liquidation risk
YesConditions apply: tap or hover for detailsShow source
Liquidation if unpaid within one calendar day or collateral value below charges
Spend own balance directly
YesShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
190+ countries
Account / spend currencies
USDShow source
USDConditions apply: tap or hover for detailsShow source
Page says "Spend in Dollars"
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Stablecoin deposits are credited as dollars
Spendable assets
USDTShow source
Blockchains
Ethereum · Tron · BNB Chain · Solana · TON · BitcoinConditions apply: tap or hover for detailsShow source
Deposit networks
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Supported Blockchains for collateral; list may change
Limits
Spending limit
$150,000Conditions apply: tap or hover for detailsShow source
Monthly; daily and single transaction $25,000
Annual cost at 1,500 EUR/month
Kripicard
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Lava Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+180 EUR
- Net annual value156 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers