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Bit2Me Card vs CL Card (Ledger)

Bit2Me Card

Crypto native

5.8
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CL Card (Ledger)

Crypto native

6.0
Get the card

Verdict

  • CL Card (Ledger) scores higher overall (6.0 vs 5.8 out of 10).
  • CL Card (Ledger) is clearly stronger on: Credit & financing.
  • 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

CL Card (Ledger) is a good fit for

  • Users who need credit rather than a debit/prepaid card

Stronger on: Credit & financing

★ 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 CashCL Card (Ledger) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBit2Me CardCL Card (Ledger)
Fees89–
Cashback & rewards2824
Availability–100
FX & international20–
Product features7070
Custody & security7575
Credit & financing3075
Limits & ATM81–
Transparency10093
Best for Cashback5.04.6
Best for Travel5.2n/a
Best for DeFi Users5.96.0
Best for Stablecoins6.0n/a
Best for High Spenders4.74.5
Best for Low Fees7.2n/a
Best for Beginners7.37.1
Best Crypto Credit Cardn/a6.5

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 cardShow source
Debit cardShow source

Network

MastercardShow source
VisaConditions apply: tap or hover for detailsShow source

Stated for the US card only

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends a linked wallet on the Bit2Me exchange

CustodialShow source

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

Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com LtdShow 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

No data yet

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
FreeConditions apply: tap or hover for detailsShow source

Currency not stated on the page

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

No data yet

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
3.49% fee on withdrawals to own bank account · Physical card delivery fee may apply · Replacement card fees may apply · Liquidation fee percentage applied when calculating available balanceShow source

Cashback & rewards

Base cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

Calculated monthly on all card spend

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%)

2%Conditions apply: tap or hover for detailsShow source

If cashback is paid in BXX (Baanx token)

Cashback paid in

B2MShow source
BTC, USDT or BXXShow 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

Choose the cashback asset first · Calculated on all monthly card transactions and paid at the end of each monthShow source

Staking / holding required for top rewards

No data yet
NoShow source

Reward exclusions

No data yet
Transactions funded by CryptodraftShow source

Credit & financing

Credit line

NoShow source
YesConditions apply: tap or hover for detailsShow source

Optional; rates depend on country of residence

Credit type

No data yet
Crypto-backed creditConditions apply: tap or hover for detailsShow source

Optional credit line

Collateral assets

No data yet
BTC · ETHConditions apply: tap or hover for detailsShow source

Cryptodraft and Stableloan collateral; BXX usable as collateral for stablecoin borrowing (max 10% LTV)

Max loan-to-value

No data yet
60%Conditions apply: tap or hover for detailsShow source

Cryptodraft

Interest notes

No data yet
Cryptodraft: first 10% spent interest-free, remaining 50% at 1% monthly percentage rate (MPR); higher interest-free LTV with staked BXXShow source

Liquidation risk

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

Stableloan when LTV significantly exceeds agreed LTV

Spend own balance directly

No data yet
YesShow source

Spend by borrowing against collateral

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

Page only says crypto can be used as collateral; no credit terms given

Availability

Available in

No data yet
EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, BrazilConditions apply: tap or hover for detailsShow source

Per Ledger shop FAQ; other Ledger pages list fewer regions

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Physical card only

YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

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

No data yet

Spendable assets

No data yet
BTC · ETH · SOL · StablecoinsConditions apply: tap or hover for detailsShow source

Top-up assets ('and more'); converted to fiat at purchase

Blockchains

No data yet
Bitcoin · Litecoin · XRP · Ethereum · SolanaConditions apply: tap or hover for detailsShow source

Solana only for receiving SOL; Layer 2 networks not supported

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

Frozen Time Unipessoal LDA: registered by Banco de Portugal for crypto-asset services · baanx.com Ltd: FCA-authorised for crypto-asset servicesShow source

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

CL Card (Ledger)

  • Annual & monthly feesunknown
  • FX costsunknown
  • 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 CL Card (Ledger) comparisons