LAVA CARD
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO 5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | CREDIT CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | NOT DISCLOSED |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
- Lava Card is a secured credit card, not a debit card. Spending accesses credit backed by BTC collateral; liquidation is governed by LTV thresholds rather than a simple fixed repayment deadline.
Lava may set temporary or permanent spending limits, and the available credit line can be adjusted based on applicable terms and risk controls.
Non-US users earn 1% BTC cashback on general eligible purchases, versus 3% for US users. The 5% rate applies to Lava merchant partners globally, making the "up to 5%" headline a best-case rate rather than the standard general-purchase rate.
THE REAL STORY ON THIS CARD.
- No annual fee, no FX fee, zero spread, and no minimum spend
- Earn up to 5% bitcoin cashback on purchases
- No credit check, secured by self-custodied BTC collateral
- 0% APR on purchases
- Global acceptance (150M+ merchants in 150+ countries)
- Premium Visa benefits
- Multiple funding routes (USDC, bank transfer, direct deposit, BTC-backed borrowing)
- ATM withdrawals cost 2% (min $1); $10 copying fee (US)
- Non-US users earn only 1% BTC cashback on general purchases
- BTC reward redemption requires minimum 100,000 sats (0.001 BTC)
- USDC in-app deposits/withdrawals limited to Solana only
- Excess collateral forfeited on liquidation; no right to its return
GENERAL QUESTIONS.
$0 — No annual fee and no issuance fee for the Lava Card.
Yes. ATM withdrawals cost 2% subject to a $1 minimum. Daily/monthly ATM limits are not publicly disclosed.
Visa. Accepted at 150M+ merchants across 150+ countries worldwide.
Lava Card is a secured credit card. You spend from your own USD balance and must have bitcoin collateral to back your spending. No unsecured credit is offered.
Up to 5% BTC at partner merchants (globally), 3% BTC for US-based users on all other purchases, 1% BTC for non-US users on general purchases. Rewards are issued when transactions settle (typically within 24 hours).
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