Lava Card vs MEXC Global Card
Crypto native
Crypto native
Verdict
- Lava Card scores higher overall (6.4 vs 6.0 out of 10).
- Lava Card is clearly stronger on: Fees.
- MEXC Global Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Lava Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Fees
MEXC Global Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: 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 | Lava Card | MEXC Global Card |
|---|---|---|
| Fees | 100 | 88 |
| Cashback & rewards | 33 | 55 |
| Availability | – | 7 |
| FX & international | 100 | 100 |
| Product features | – | 56 |
| Custody & security | – | 60 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.4 | 6.0 |
| Best for Travel | 7.6 | 7.2 |
| Best for DeFi Users | n/a | 6.2 |
| Best for Stablecoins | 7.4 | 7.8 |
| Best for High Spenders | 6.1 | 6.6 |
| Best for Low Fees | 9.3 | 8.7 |
| Best for Beginners | 6.8 | 6.4 |
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
Credit cardConditions apply: tap or hover for detailsShow source
Secured: spends only the available dollar balance; no unsecured credit
Prepaid cardConditions apply: tap or hover for detailsShow source
Funded with USDT from the MEXC Fiat account
Network
VisaShow source
VisaShow source
Custody model
CustodialShow source
Launch date
2026-08-31Show source
Card issuer / program manager
Card program by Rain with a partner issuerShow source
MEXCConditions apply: tap or hover for detailsShow source
Page describes MEXC Cards as issued by MEXC; no licensed issuing bank named
Tiers / plans
Standard (M-Score 350–599) · Premium (M-Score 600–799) · Elite (M-Score 800+)Show source
Fees
Annual fee
FreeShow source
FreeShow source
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Standard USD 20 issuance fee waived for a limited time
FX fee
0%Conditions apply: tap or hover for detailsShow source
No spread on Visa's exchange rate
0%Conditions apply: tap or hover for detailsShow source
Visa exchange rate without markup (the 1% transaction fee still applies)
Crypto conversion fee
0%Show source
Top-up fee
FreeShow source
Settlement fee
1%Conditions apply: tap or hover for detailsShow source
On every purchase, MEXC Global Card
Small transaction fee
$0.10Conditions apply: tap or hover for detailsShow source
Transactions under 1 USD (MEXC Global Card)
Other fees & markups
Failed transactions: 0.5 USD each when the failed-transaction rate is 20% or moreShow 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
10%Conditions apply: tap or hover for detailsShow source
Elite tier (M-Score 800+); 6% Premium, 4% Standard
Cashback paid in
BTCShow source
USDTShow source
Cashback type
CryptoShow source
StablecoinShow source
Interest on balance
7%Conditions apply: tap or hover for detailsShow source
APR in the exclusive MEXC Global Card Earn program (flexible)
Max cashback per month
$800/monthConditions apply: tap or hover for detailsShow source
800 USDT, Elite tier; 300 USDT Premium, 100 USDT Standard
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
Rate set by the M-Score tier on the last day of the month · Paid by the 15th of the following month · Refunded or reversed purchases do not countShow source
Reward exclusions
Refunded or reversed transactionsConditions apply: tap or hover for detailsShow source
Cashback already credited for these transactions is deducted
Credit & financing
Credit line
NoShow source
Spend own balance directly
YesShow source
Availability
Available in
Philippines, TW, VietnamConditions apply: tap or hover for detailsShow source
Among others; MEXC does not publish the full list
Not available in
United States, CN, India, Indonesia, Turkey, RUConditions apply: tap or hover for detailsShow source
Partial list as of August 2026; dozens of smaller jurisdictions are also on the application blacklist, which changes over time
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Page says "Spend in Dollars"
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
Virtual-only at launch; MEXC plans a physical card at a later stage
Virtual card
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Stablecoin deposits are credited as dollars
YesShow source
Spendable assets
USDTConditions apply: tap or hover for detailsShow source
Card is funded with USDT via the MEXC Fiat account
Limits
Spending limit
$1,000,000Conditions apply: tap or hover for detailsShow source
Per day; 80,000 USD per transaction
Annual cost at 1,500 EUR/month
Lava Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
MEXC Global Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers