Lava Card vs Nebeus Card
Crypto native
Crypto enabled
Verdict
- Lava Card scores higher overall (6.4 vs 5.3 out of 10).
- Lava Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Lava Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Cashback & rewards
Nebeus Card is a good fit for
- No specific audience can be derived from the published data yet.
★ 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 | Lava Card | Nebeus Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 33 | 3 |
| Availability | – | – |
| FX & international | 100 | – |
| Product features | – | 53 |
| Custody & security | – | 60 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.4 | 3.7 |
| Best for Travel | 7.6 | n/a |
| Best for Stablecoins | 7.4 | n/a |
| Best for High Spenders | 6.1 | 3.9 |
| Best for Low Fees | 9.3 | 8.0 |
| Best for Beginners | 6.8 | 6.7 |
| Best E-Money Card | n/a | 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
Credit cardConditions apply: tap or hover for detailsShow source
Secured: spends only the available dollar balance; no unsecured credit
Debit cardConditions apply: tap or hover for detailsShow source
Pays from the Nebeus current accounts; no own balance
Network
VisaShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends fiat and crypto accounts held at Nebeus
Card issuer / program manager
Card program by Rain with a partner issuerShow source
Tiers / plans
Free · Plus · ProShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Plus and Pro prices not stated
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
No spread on Visa's exchange rate
Other fees & markups
Payments from an account in another currency are converted at the Nebeus sell rateShow 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
0%Conditions apply: tap or hover for detailsShow source
Free plan
Max cashback
5%Conditions apply: tap or hover for detailsShow source
At Lava merchant partners, worldwide
1%Conditions apply: tap or hover for detailsShow source
Pro plan, up to €50 a month; Plus 0.5% up to €20 a month; only purchases paid from a crypto account
Cashback paid in
BTCShow source
EURShow source
Cashback type
CryptoShow source
FiatShow source
Max cashback per month
€50/monthConditions apply: tap or hover for detailsShow source
Pro plan; Plus €20
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
Plus or Pro card plan · Only purchases paid from a crypto account count · Paid monthly around the 5th of the next monthShow source
Reward exclusions
Payments from euro or other fiat accounts · ATM withdrawals and cash · Money transfers and card top-ups · Crypto, quasi-cash, financial services and securities · Gambling · Card feesShow source
Credit & financing
Credit line
NoShow source
Spend own balance directly
YesShow source
Availability
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Page says "Spend in Dollars"
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
NoShow source
Virtual card
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Stablecoin deposits are credited as dollars
Annual cost at 1,500 EUR/month
Lava Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Nebeus Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers