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Bit2Me Card vs Lava Card

Bit2Me Card

Crypto native

5.8
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Lava Card

Crypto native

6.4
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Verdict

  • Lava Card scores higher overall (6.4 vs 5.8 out of 10).
  • Lava Card is clearly stronger on: Fees, FX & international.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bit2Me Card is a good fit for

  • Stablecoin holders

Lava Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Fees, FX & international

★ 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
Get the card
Review & sourcesBit2Me Card vs ether.fi CashLava Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBit2Me CardLava Card
Fees89100
Cashback & rewards2833
Availability––
FX & international20100
Product features70–
Custody & security75–
Credit & financing30–
Limits & ATM81–
Transparency100100
Best for Cashback5.05.4
Best for Travel5.27.6
Best for DeFi Users5.9n/a
Best for Stablecoins6.07.4
Best for High Spenders4.76.1
Best for Low Fees7.29.3
Best for Beginners7.36.8

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

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

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

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends a linked wallet on the Bit2Me exchange

No data yet

Card issuer / program manager

PecuniaConditions apply: tap or hover for detailsShow source

Named as Bit2Me's card provider (handles limit increase requests); exact role (issuer / program manager) not stated

Card program by Rain with a partner issuerShow source

Tiers / plans

Space Center levels 0–7Show source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Page states no maintenance fees for virtual or physical cards

FreeShow source

Monthly fee

FreeShow source
No data yet

Physical card fee

€20Conditions apply: tap or hover for detailsShow source

Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain

No data yet

Virtual card fee

FreeShow source
No data yet

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Virtual card replacement only; physical card replacement fee not stated

No data yet

FX fee

2%Conditions apply: tap or hover for detailsShow source

Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro

0%Conditions apply: tap or hover for detailsShow source

No spread on Visa's exchange rate

Crypto conversion fee

0.95%Conditions apply: tap or hover for detailsShow source

Paying from a linked crypto wallet; 0% from the euro wallet

No data yet

ATM fee

€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source

Outside the eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only

No data yet

Free ATM allowance

€300/monthShow source
No data yet

Other fees & markups

Purchase refund fee 0.95% when refunded to the linked crypto wallet (0% to the euro wallet)Show source
No data yet

Cashback & rewards

Base cashback

No data yet
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

7%Conditions apply: tap or hover for detailsShow source

Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)

5%Conditions apply: tap or hover for detailsShow source

At Lava merchant partners, worldwide

Cashback paid in

B2MShow source
BTCShow source

Cashback type

Platform tokenShow source
CryptoShow source

Max cashback per month

€300/monthConditions apply: tap or hover for detailsShow source

Level 7; €7.50 at level 1, none at level 0

No data yet

Cashback conditions

Monthly cashback cap depends on the Bit2Me Space Center level (€7.50 at level 1 to €300 at level 7; none listed at level 0) · Minimum cashback €0.01 · Minimum purchase amount €0.30Conditions apply: tap or hover for detailsShow source

The minimum purchase amount is listed in the card limits table next to the minimum cashback; the page does not say whether it applies to cashback only

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

Credit line

NoShow source
No data yet

Spend own balance directly

No data yet
YesShow source

Availability

Account / spend currencies

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

Page says "Spend in Dollars"

Features

Apple Pay

YesShow source
No data yet

Google Pay

YesShow source
No data yet

Physical card

YesShow source
No data yet

Virtual card

YesShow source
No data yet

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Physical card only

No data yet

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Card can be linked to a stablecoin wallet (Bit2Me Earn offer)

YesConditions apply: tap or hover for detailsShow source

Stablecoin deposits are credited as dollars

Limits

ATM limit

€300Conditions apply: tap or hover for detailsShow source

Per day; €3,000 a month

No data yet

Spending limit

€2,500Conditions apply: tap or hover for detailsShow source

Per transaction and per day; €20,000 a month

No data yet

Security & custody

Regulation / licences

CNMV-authorised crypto-asset service provider under MiCA (Regulation (EU) 2023/1114)Conditions apply: tap or hover for detailsShow source

Applies to Bit2Me (Bitcoinforme S.L.), stated in the site footer; resolution of 28 July 2025

No data yet

Annual cost at 1,500 EUR/month

Bit2Me Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • 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

More Bit2Me Card comparisons

More Lava Card comparisons