LAVA CARD Access Dollars Instantly Without Selling Your Bitcoin
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 | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
- This is a secured credit card, not a debit card. You're not spending your own money — you're borrowing against BTC collateral. If you don't repay within 21 days, your BTC is liquidated.
Lava sets spending limits at "their sole discretion" and may not notify you in advance. The card terms explicitly reserve the right to set temporary or permanent spending limits that also apply to authorized users. Your credit line can be reduced without warning.
- Non-US users earn only 1% BTC cashback on general purchases (vs 3% for US). The 5% rate is limited to partner merchants. The headline "up to 5%" is the best-case, not typical.
THE REAL STORY ON THIS CARD.
- No annual fee, no FX fee, zero spread
- Earn up to 5% bitcoin cashback on purchases
- No credit check, secured by your own BTC collateral
- Self-custodial
- Global acceptance (150M+ merchants in 150+ countries)
- Premium Visa benefits (purchase protection, extended warranty, travel insurance)
- 0% APR on purchases
- Multiple funding options (stablecoins, bank transfer, direct deposit, BTC-backed borrowing)
- Non-US users earn only 1% BTC cashback on general purchases
- Requires bitcoin collateral to spend
- ATM withdrawals cost 2% (min $1)
- BTC reward redemption requires minimum 100,000 sats (0.001 BTC)
- USDC deposits limited to Solana network only
- Late payment fee of 2% of outstanding balance
- Restricted Persons from sanctioned territories cannot use the platform
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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