imToken Card vs Lava Card
Crypto native
Crypto native
Verdict
- Lava Card scores higher overall (6.4 vs 5.6 out of 10).
- Lava Card is clearly stronger on: Fees, Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
imToken Card is a good fit for
- Stablecoin holders
- Frequent travellers
Lava Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Fees, Cashback & rewards
★ 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 | imToken Card | Lava Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | 0 | 33 |
| Availability | – | – |
| FX & international | 100 | 100 |
| Product features | – | – |
| Custody & security | 70 | – |
| Credit & financing | 30 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 3.7 | 5.4 |
| Best for Travel | 7.1 | 7.6 |
| Best for DeFi Users | 5.4 | n/a |
| Best for Stablecoins | 6.8 | 7.4 |
| Best for High Spenders | 4.4 | 6.1 |
| Best for Low Fees | 8.7 | 9.3 |
| Best for Beginners | 6.5 | 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
Debit cardConditions apply: tap or hover for detailsShow source
Spends the Fiat24 multi-currency cash account
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
HybridConditions apply: tap or hover for detailsShow source
Tokens in the self-custodial imToken wallet; top-ups become a fiat cash account at Fiat24
Card issuer / program manager
Fiat24 (Switzerland)Show source
Card program by Rain with a partner issuerShow source
Fees
Annual fee
FreeShow source
FreeShow source
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Account NFT minting fee 0.001 ETH applies
FX fee
0%Show source
0%Conditions apply: tap or hover for detailsShow source
No spread on Visa's exchange rate
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Token top-ups; fiat deposits free
Other fees & markups
Account NFT minting fee 0.001 ETH · Additional charges may apply for settlements and exchange rate discrepanciesShow 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
Max cashback
5%Conditions apply: tap or hover for detailsShow source
At Lava merchant partners, worldwide
Cashback paid in
BTCShow source
Cashback type
NoneConditions apply: tap or hover for detailsShow source
A rebate plan is announced
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
Credit & financing
Credit line
NoShow source
Spend own balance directly
YesShow source
Availability
Account / spend currencies
USD · EUR · CHF · CNHShow source
USDConditions apply: tap or hover for detailsShow source
Page says "Spend in Dollars"
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN
Features
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Top up with USDC or USDT
YesConditions apply: tap or hover for detailsShow source
Stablecoin deposits are credited as dollars
Spendable assets
ETH · USDC · USDTConditions apply: tap or hover for detailsShow source
Major ERC-20 tokens for top-ups
Blockchains
Ethereum · ArbitrumShow source
Annual cost at 1,500 EUR/month
imToken Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- 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