Main strengths
- No provider FX fee; Visa rates apply to foreign-currency purchases.
- Eligible partner purchases can earn up to 5% back, paid in bitcoin.
- Phone wallets are confirmed by a CG reviewer; account restrictions may apply.
Lava Visa InfiniteStandard card design
Crypto-backed Visa credit card
Lava Card
Lava Card spends from a custodial USD balance with Apple Pay and Google Pay, paying BTC rewards up to 3% in the U.S., 1% internationally and 5% at partners. Monthly and base issuance fees are $0, with no added Lava funding markup; route fees can apply, and country access and card formats remain unconfirmed.
Main trade-offs
- Country eligibility and current physical or virtual formats remain unclear.
- The provider controls the USD spending balance; BTC wallet controls differ.
- Standard rewards are up to 3% in the U.S. and up to 1% internationally.
01 · Core economics
Costs that matter
Lava Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemValueWhat it means
Monthly plan$0/moNo recurring monthly plan fee on the current entry offer
Cash funding0%No added Lava funding markup. Banks and payment providers may charge; the FAQ lists 1.25% same-day ACH and $25 domestic wire. Regular ACH, SEPA and SPEI are listed as free where eligible. The fee recipient is not specified.
Provider FX markup0%FX cost matters most when spending outside USD.
ATM withdrawal2%; min $1International programme when cash access is enabled. The $1 is a minimum, not an additional fixed charge. ATM operator charges may apply; U.S. ATM pricing is not separately established.
Issuance fee$0Base issuance fee confirmed by a CG reviewer. Delivery, replacements, extra cards and current card formats remain unconfirmed.
Limits and secondary feesLimits and other fees
ItemValueWhat it means
Declined transactionNot disclosedNo reusable declined-transaction fee is published.
Daily card spendAccount-specificAccount-specific and collateral-dependent; universal daily amount not disclosed.
Monthly card spendAccount-specificAccount-specific; universal monthly amount not disclosed.
ATM limitNot disclosedAccess is conditional; withdrawal limits not disclosed.
Account depositNot disclosedLimit visibility helps avoid relying on unsupported high-volume use.
02 · Category rewards
Lava bitcoin rewards
Rewards Terms set ceilings of 3% for U.S. cardholders, 1% internationally and 5% at selected partners. Actual rewards can be lower. No general monthly cap or time-lock currently applies, but individual promotions can have separate caps and conditions. Redemption starts at 100,000 sats (0.001 BTC).
Lowest current purchase reward rate
Maximum published rate; the base rate is not confirmed
BTC
Category-specific eligible-spend caps are not disclosed
Current rate schedule
Cashback by spend category
The U.S., international and partner rates below are ceilings. Selected partners include Apple, Amazon, OpenAI, Anthropic and Cursor; the current partner page lists 17 merchants. Actual rates, eligibility and promotion-specific caps can differ.
CategoryRateEligible purchases and cap
U.S. standard ceiling3%
U.S. cardholders: up to 3%, subject to eligibility and exclusions; not a guaranteed base rate.
Eligible spend cap not disclosedInternational standard ceiling1%
International cardholders: up to 1%, subject to eligibility and exclusions; not a guaranteed base rate.
Eligible spend cap not disclosedSelected merchant partners5%
Up to 5% on eligible partner purchases. Offers vary by region, cardholder and dates; offer-specific caps are unverified.
Eligible spend cap not disclosedCashback is credited usually within 24 hours of settlement; some transactions take 1–3 days in BTC. Merchant coding, programme exclusions, reversals and clawbacks still apply.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardNot disclosed
- Physical cardNot disclosed
- ATM withdrawalsNot disclosed
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appAvailable
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Lava
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive2 routes
Crypto deposits
1 route
Crypto depositsDeposits fund the available USD account balance used by the card.USDCUSDTPYUSDFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Supported asset and network combinations
Fee scope
Receive fee not publicly confirmed
Limit scope
Deposit limits not publicly confirmed
Restrictions
Lava lists ten deposit networks across three assets; the exact asset-network matrix is not published. USDC withdrawals are supported on all ten networks.
Bank deposits
1 route
Lava account bank fundingBank deposits are available in USD, EUR and MXN for eligible linked accounts.USDEURMXNFee$0–$25 + 1.25%SpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- 1.25% · ACH
- $0 · ACH
- $25 · Fedwire / wire
Access path
Via provider account
Availability
Bank deposits are available in USD, EUR and MXN for eligible linked accounts. Direct deposits fund USD. Route availability and fees depend on region; deposit currencies do not establish payout currencies.
Limit scope
Not publicly confirmed
Balance & conversionHybrid settlement
Funding and settlement cross wallet and provider-controlled account boundaries.
What happens on receipt
These are routes into the Lava account balance used for card spending.
Money outWays to send, withdraw or settle2 routes
External crypto sends
1 route
USDC withdrawal from Lava accountProvider-account route; card access and route eligibility must both apply.USDCSolanaEthereumArbitrumAvalanche+6FeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
More assets, currencies or networks
Base, Celo, Optimism, Polygon, Stellar, Tempo
Access path
Via provider account
Asset / network map
USDC: Solana, Ethereum, Arbitrum, Avalanche, Base, Celo, Optimism, Polygon +2
Availability
Solana, Ethereum, Arbitrum, Avalanche, Base, Celo, Optimism, Polygon, Stellar and Tempo
Limit scope
Not publicly confirmed
Restrictions
Provider-account route; card access and route eligibility must both apply. Deposit support for USDT/PYUSD does not establish outbound support for those assets.
Bank transfers & payouts
1 route
Lava account bank withdrawalBank payouts are available in USD and EUR, subject to region and linked-account eligibility.USDEURFeeNot confirmedSpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- Fee terms are descriptive only
Access path
Via provider account
Availability
Eligible linked USD and EUR bank accounts; regional availability applies
Fee scope
Route dependent; foreign-fiat withdrawals include an undisclosed conversion spread
Limit scope
Not publicly confirmed
Restrictions
Bank payouts are available in USD and EUR, subject to region and linked-account eligibility. SWIFT is not supported; domestic USD wires are limited to eligible users. MXN/SPEI is confirmed for deposits only.
05 · Optional product
Add yield through a separate balance
Lava USD Yield Account adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Optional yield
Lava USD Yield Account
Up to 6.5% APY
- Yield source
- Interest from borrowers with bitcoin collateral
- Yield mechanism
- Lending pool
- Redemption
- Withdraw from Yield to the available USD balance before card spending or bank/stablecoin withdrawal.
- Asset
- USD
- Spend directly from Earn balance
- No
- Withdraw anytime
- Yes
- Deposit insurance
- Not confirmed
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Lava is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
Card access varies by country or programme.
- Final access check
- Confirm during signupCountry guidance does not guarantee access; programme assignment and KYC still apply.
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productLava
Provides the product and account experience. Named legal operators appear separately.
Custody controlLava + programme partners
Controls settlement until payment.
Hybrid custody. USD card funds are custodial. A CG reviewer confirmed a separate non-custodial wallet created through Privy. Lava describes distributed settlement signatures and custodians; BLOC describes self-custodial BTC collateral. Exact signing and recovery powers remain unverified.Card issuerThird National
Issues the card for the applicable programme.
Applies to: U.S. and international card agreements; the name alone does not establish a bank charter, licence, insurance or separate regional legal entity.07 · Methodology
Why the score is 62
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
62/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift79
Funding & transfers
2 inbound and 2 outbound routes cover crypto deposits, crypto withdrawals and bank payouts.
Additional support71
Everyday usability
Visa spending includes Apple Pay and Google Pay.
Main constraint31
Rewards value
Published rewards reach up to 5%, while the guaranteed base rate remains unconfirmed.
09 · Card comparison
How Lava Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Lava Card
Phone wallets are confirmed by a CG reviewer; account restrictions may apply.
- Card
- Credit line Visa, Not fully confirmed
- Funds control
- Hybrid custody
- Cashback
- Up to 5%
- FX fee
- 0% provider FX fee
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC, USDT + PYUSD
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Visa, Virtual only
- Funds control
- Hybrid custody
- Cashback
- 0%
- FX fee
- 1.7% foreign-currency conversion
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Not confirmed
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Hybrid custody
- Cashback
- 0.5%–2%
- FX fee
- XPlace layer: Basic 1%, Silver 0.5%, Gold 0.25%, Platinum 0%; Visa adds 1% when it converts
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Crypto transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
10 · Evidence
Sources
30 sources28 officialChecked Oct 6, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Lava | Lava Rewards Program Terms & ConditionsOfficial source ↗Lava | Card TermsOfficial source ↗Lava | International Consumer Card TermsOfficial source ↗Lava | Terms of ServiceOfficial source ↗How does Lava Card work? - Lava | FAQOfficial source ↗Which stablecoins does Lava support? - Lava | FAQOfficial source ↗
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