LAVA CARD
| CASHBACK | UP TO 5% | WELCOME BONUS | NONE |
|---|---|---|---|
| REG FEE | FREE | FX FEE | 0% |
| APR / YIELD | YES | CARD TYPE | CREDIT CARD |
| BLOCKCHAIN |   | REGION |   |
| WALLET TYPE | NON CUSTODIAL | KYC | YES |
| APPLE PAY | YES | IBAN / SWIFT | YES |
| ATM LIMIT | NOT DISCLOSED | DAILY LIMIT | NOT DISCLOSED |
Lava was built with Bitcoin at the center of the experience. Instead of encouraging users to sell their BTC, it allows them to unlock spending power while keeping long term exposure, making it a natural choice for users who want to live on a Bitcoin standard.
The combination of non custodial security, Bitcoin rewards, zero FX fees, and a credit based model creates a payment experience that stays true to Bitcoin while remaining practical for everyday spending.
WAVECARD
| CASHBACK | 3% | WELCOME BONUS | NONE |
|---|---|---|---|
| REG FEE | €2.99 | FX FEE | 0% |
| APR / YIELD | YES | CARD TYPE | VIRTUAL CARD |
| BLOCKCHAIN | | REGION |   |
| WALLET TYPE | NON CUSTODIAL | KYC | YES |
| APPLE PAY | YES | IBAN / SWIFT | YES |
| ATM LIMIT | €350 | DAILY LIMIT | €10,000 |
Wavecard is one of the few products that delivers a genuinely Bitcoin native payment experience. By integrating directly with Lightning wallets through Nostr Wallet Connect, it allows users to spend from their own wallet without moving funds into a custodial platform.
Features such as a personal EUR IBAN, self custody, and Bitcoin focused infrastructure make it an excellent option for users who value control over convenience.
FOLD CARD
| CASHBACK | YES | WELCOME BONUS | $10 |
|---|---|---|---|
| REG FEE | FREE | FX FEE | UP TO $3 |
| APR / YIELD | NO | CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| BLOCKCHAIN | | REGION | |
| WALLET TYPE | CUSTODIAL | KYC | YES |
| APPLE PAY | YES | IBAN / SWIFT | YES |
| ATM LIMIT | $1,000 | DAILY LIMIT | $15,000 |
Fold takes a different approach by helping users accumulate more Bitcoin through everyday spending. Rather than focusing on self custody or Bitcoin backed credit, its strength comes from making it easy to earn BTC rewards on routine purchases and payments.
For users who simply want to stack sats over time without changing their spending habits, Fold remains one of the most recognizable Bitcoin focused cards available.
WHITEBIT NOVA CARD
| CASHBACK | UP TO 25€/MO | WELCOME BONUS | NONE |
|---|---|---|---|
| REG FEE | FREE | FX FEE | NOT DISCLOSED |
| APR / YIELD | NO | CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| BLOCKCHAIN |    | REGION | |
| WALLET TYPE | CUSTODIAL | KYC | YES |
| APPLE PAY | YES | IBAN / SWIFT | YES |
| ATM LIMIT | €1,000 | DAILY LIMIT | €10,000 |
WhiteBIT Nova makes Bitcoin rewards accessible through a familiar card experience. Category based cashback paid in BTC allows users to steadily increase their Bitcoin holdings while continuing to use the card for everyday purchases.
Although the platform follows a more custodial model than some alternatives, its straightforward rewards system and practical usability make it a strong fit for users who prioritize earning Bitcoin.
GEMINI CREDIT CARD
| CASHBACK | UP TO 4% | WELCOME BONUS | YES |
|---|---|---|---|
| REG FEE | FREE | FX FEE | 0% |
| APR / YIELD | YES | CARD TYPE | CREDIT CARD |
| BLOCKCHAIN | | REGION | |
| WALLET TYPE | CUSTODIAL | KYC | YES |
| APPLE PAY | YES | IBAN / SWIFT | YES |
| ATM LIMIT | NOT DISCLOSED | DAILY LIMIT | NOT DISCLOSED |
Gemini brings Bitcoin rewards into a traditional credit card experience. Crypto rewards are deposited shortly after eligible purchases, allowing users to build BTC exposure automatically without changing how they normally spend.
It is designed for simplicity rather than a fully Bitcoin native experience, making it a good choice for users who value familiar credit card features alongside automatic Bitcoin accumulation.