Lava Card
5%
Cashback
No annual fee or minimum spend
Annual fee
Not disclosed
KYC
Benefits
- Spend money back in Bitcoin instead of points, up to 5%
- No foreign exchange fees, no exchange rate markup, according to Visa official exchange rate
- U.S. dollar deposits, stablecoins or Bitcoin mortgage loans can be used for spending.
- Available to both U.S. and international users (the international version has independent terms)
Supported services
△Apple Pay
△Google Pay
△WeChat Pay
△Alipay
△ChatGPT
△Claude
Things to know
- The cash rebate for ordinary spending for users outside the United States is only 1%
- ATM cash withdrawal charges 2% (minimum $1)
- There is liquidation/price risk in using Bitcoin as collateral for borrowing and spending.
Fees & specifications
CashbackIssuing in Bitcoin: 5% to Lava cooperative merchants; 3% to other qualified consumer US users, 1% to users outside the US; instant payment after transaction settlement
Foreign exchange fees0%
Staking requirementsNone (bitcoin mortgage loan can be selected)
ATM withdrawals2%, minimum $1 (international terms)
Settlement assetsUSD (from bank deposits, stablecoins or BTC mortgage loans)
Sources & notes
Data credibility: medium; verification date 2026-10-09.