Lava Card
Secured Visa card of the bitcoin platform Lava: it spends the dollar balance in the Lava app, funded by stablecoin deposits, bank transfers or a loan against bitcoin (BLOC). Bitcoin back of 3% in the US and 1% elsewhere, 5% at Lava merchant partners, no annual fee and no FX fee or spread.
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Base fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
ATM fee
Card fee
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- No FX markup from the issuer
- 1% base cashback in BTC
- Spends stablecoins directly
Cons
- Top rate of 5% only with conditions — At Lava merchant partners, worldwide
Good for
- Stablecoin holders
- Frequent travellers
Not for
Not enough data to say.
Risks to understand
- Stablecoins can de-peg and are not covered by deposit protection.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Lava Card:
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.
All details
Fees2/15
- Annual fee
FreeShow source
- FX fee
0%Conditions apply: tap or hover for detailsShow source
No spread on Visa's exchange rate
Not yet researched: Monthly fee, Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards5/14
- 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
Not yet researched: Interest on balance, Cashback-eligible spend cap, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing1/11
- Spend own balance directly
YesShow source
Not yet researched: Credit line, Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend by borrowing against collateral.
Supported countries & currencies1/4
- Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Page says "Spend in Dollars"
Not yet researched: Available in, Not available in, Own IBAN / bank details.
Features, wallets & supported assets1/11
- Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Stablecoin deposits are credited as dollars
Not yet researched: Apple Pay, Google Pay, Physical card, Virtual card, ATM withdrawals, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product4/7
- Product status
ActiveShow source
- Card type
Credit cardConditions apply: tap or hover for detailsShow source
Secured: spends only the available dollar balance; no unsecured credit
- Network
VisaShow source
- Card issuer / program manager
Card program by Rain with a partner issuerShow source
Not yet researched: Custody model, Launch date, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards | 20% | 33 |
Availability | 15% | No data — excluded |
FX & international FX fee 0% | 10% | 100 |
Product features | 10% | No data — excluded |
Custody & security | 10% | No data — excluded |
Credit & financing | 5% | No data — excluded |
Limits & ATM | 5% | No data — excluded |
Transparency 5 of 5 checked key terms disclosed | 5% | 100 |
Data coverage 55%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Lava Card have an annual or monthly fee?
Base tier: Free. Source: Lava Card.
What is the FX fee of Lava Card?
0% (No spread on Visa's exchange rate). Source: Lava Card.
How much cashback does Lava Card pay?
Base rate: 1% (Users based outside the US; 3% for US users; 5% at Lava merchant partners). Highest advertised rate: 5% (At Lava merchant partners, worldwide). Paid in BTC.
Change history14 entries
- Account / spend currencies not disclosed → ["USD"] · 25 October 2026 · approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Base cashback recorded · 22 October 2026 · auto-approved
- Product status recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Spend own balance directly recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved