Lava Card vs XPlace Card
Crypto native
Crypto native
Verdict
- XPlace Card scores higher overall (6.6 vs 6.4 out of 10).
- 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
XPlace Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
★ 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 | XPlace Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 33 | 36 |
| Availability | – | – |
| FX & international | 100 | – |
| Product features | – | 70 |
| Custody & security | – | 80 |
| Credit & financing | – | 75 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.4 | 5.6 |
| Best for Travel | 7.6 | n/a |
| Best for Self-Custody | n/a | 7.3 |
| Best for DeFi Users | n/a | 7.2 |
| Best for Stablecoins | 7.4 | 7.1 |
| Best for High Spenders | 6.1 | 5.8 |
| Best for Low Fees | 9.3 | 8.0 |
| Best for Beginners | 6.8 | 7.7 |
| Best Crypto Credit Card | n/a | 7.6 |
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
ActiveConditions apply: tap or hover for detailsShow source
Silver physical cards live; Gold and Platinum physical cards coming soon
Card type
Credit cardConditions apply: tap or hover for detailsShow source
Secured: spends only the available dollar balance; no unsecured credit
Debit card, Crypto-backed creditShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Card issuer / program manager
Card program by Rain with a partner issuerShow source
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source
Tiers / plans
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source
Fees
Annual fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Basic plan; Silver $99, Gold $249, Platinum $999 a year
FX fee
0%Conditions apply: tap or hover for detailsShow source
No spread on Visa's exchange rate
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
0.5%Conditions apply: tap or hover for detailsShow source
Basic plan, Credit Mode
Max cashback
5%Conditions apply: tap or hover for detailsShow source
At Lava merchant partners, worldwide
2%Conditions apply: tap or hover for detailsShow source
Platinum plan ($999/year), Credit Mode
Cashback paid in
BTCShow source
USDCShow source
Cashback type
CryptoShow source
StablecoinShow source
Interest on balance
6.15%Conditions apply: tap or hover for detailsShow source
Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)
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
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source
Credit & financing
Credit line
YesShow source
Credit type
Crypto-backed creditShow source
Collateral assets
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source
Max loan-to-value
80%Conditions apply: tap or hover for detailsShow source
Tether vault; SOL and BTC 65%, ETH 70%
Liquidation risk
YesShow source
Spend own balance directly
YesShow source
YesShow source
Spend by borrowing against collateral
YesShow source
Availability
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
YesConditions apply: tap or hover for detailsShow source
Silver plan; Gold and Platinum coming soon
Virtual card
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Stablecoin deposits are credited as dollars
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited
Spendable assets
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source
Blockchains
SolanaShow source
Limits
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per month, Basic plan; up to $750,000 on Platinum
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
XPlace Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers