LEDGER CARD
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | UP TO 2% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | HYBRID |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | HYBRID |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $0 |
| DAILY LIMIT | €10,000 |
Card custody is product-specific. Some Baanx-powered cards use custodial card balances, while others allow spending directly from self-custodial wallets. Verify the specific card's terms before classifying it as custodial or self-custodial.
THE REAL STORY ON THIS CARD.
- 1% cashback in BTC, USDC, or USDT
- Free card, no subscription, no monthly fees
- Spend directly from Ledger self-custody via Ledger Live integration
- Instant crypto-to-fiat conversion at point of purchase
- No Ledger hardware device required to use the card
- Virtual + physical cards available globally
- 90M+ merchants worldwide
- Supports BTC, ETH, SOL, stablecoins + more
- Borrow without selling crypto (tax-efficient)
- No credit checks for Cryptodraft (asset-backed)
- Can be managed without Ledger hardware (via withcl.com web app)
- 2% FX fee on foreign currency transactions
- 2% ATM withdrawal fee (outside free EUR zone in EEA)
- Custodial card balance required, funds moved from self-custody to Baanx before spending
- No IBAN/bank account
- Baanx wallet is custodial for card operations (not fully self-custodial)
- Cashback paid monthly (not real-time or weekly)
GENERAL QUESTIONS.
You don’t need a Ledger signer to get or use the CL Card. However, if you want to enhance the security of your CL Card, we highly recommend using the Card via the Ledger Wallet app and a certified secure Ledger signer, where your crypto is protected by the industry’s leading hardware and software. By using Ledger Wallet™, you can seamlessly and securely move your assets to your Card account, taking full advantage of Ledger’s unique digital security ecosystem.
The limited-edition MetaMask Metal Card offers premium rewards, exclusive event access, and surprise perks—all showcased in a coveted chromatic Fox design. Learn more here.
https://support.metamask.io/manage-crypto/metamask-card/metal-card
Every time you spend crypto with your CL Card, you get rewards.*** To enable rewards, you must first specify which crypto you want to receive your cashback in. Currently, rewards are 1% cashback in BTC or USDC in the US and 1% cashback in BTC or USDT, in other countries. The reward amount will be calculated based on all the transactions you’ve made with your CL Card throughout the month. At the end of each month, you will receive your reward for the total amount of card transactions.
You can find the full breakdown of fees here.
https://www.withcl.com/legal
The CL Card is currently available in the EEA, the UK, the US, Canada, Switzerland, Colombia, Mexico, and Brazil.
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