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Bitstack Card vs CL Card (Ledger)

Bitstack Card

Crypto enabled

5.5
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CL Card (Ledger)

Crypto native

6.0
Get the card

Verdict

  • CL Card (Ledger) scores higher overall (6.0 vs 5.5 out of 10).
  • CL Card (Ledger) is clearly stronger on: Availability, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitstack Card is a good fit for

  • No specific audience can be derived from the published data yet.

CL Card (Ledger) is a good fit for

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

Stronger on: Availability, 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 & sourcesBitstack Card vs ether.fi CashCL Card (Ledger) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitstack CardCL Card (Ledger)
Fees97–
Cashback & rewards2224
Availability3100
FX & international––
Product features7070
Custody & security7575
Credit & financing3075
Limits & ATM84–
Transparency10093
Best for Cashback4.54.6
Best for Travel5.9n/a
Best for DeFi Usersn/a6.0
Best for High Spenders5.14.5
Best for Low Fees8.4n/a
Best for Beginners6.77.1
Best Crypto Credit Cardn/a6.5
Best E-Money Card7.0n/a

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 cardConditions apply: tap or hover for detailsShow source

Card linked to the euro cash account

Debit cardShow source

Network

VisaShow 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 euros; Bitcoin held by Bitstack, free withdrawal to an external wallet

CustodialShow source

Card issuer / program manager

Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com LtdShow source

Tiers / plans

Standard · PlusShow source
No data yet

Fees

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Standard; Plus €2.99/month or €29.99/year

No data yet

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Standard, plus delivery; Plus: free delivery, annual Plus: free

No data yet

Virtual card fee

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

Currency not stated on the page

ATM fee

1%Conditions apply: tap or hover for detailsShow source

Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal

No data yet

Free ATM allowance

€200/monthConditions apply: tap or hover for detailsShow source

Or 5 withdrawals per month

No data yet

Other fees & markups

Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)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

1%Conditions apply: tap or hover for detailsShow source

Up to; Standard plan, eligibility conditions and caps apply

1%Conditions apply: tap or hover for detailsShow source

Calculated monthly on all card spend

Max cashback

1.5%Conditions apply: tap or hover for detailsShow source

Up to; Plus plan (€2.99/month)

2%Conditions apply: tap or hover for detailsShow source

If cashback is paid in BXX (Baanx token)

Cashback paid in

BTCShow source
BTC, USDT or BXXShow source

Cashback type

CryptoShow source
CryptoShow source

Cashback conditions

Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
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

FranceShow source
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

Account / spend currencies

EURShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

French IBAN

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

YesShow source
YesShow source

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

Spending limit

€1,000Conditions apply: tap or hover for detailsShow source

Per month for international payments on Standard; €3,000 on Plus

No data yet

Security & custody

Regulation / licences

CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
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

Bitstack Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 EUR
  • 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 Bitstack Card comparisons

More CL Card (Ledger) comparisons