Mbote. 😉
If you're from DR Congo, here are 3 crypto cards that will accept your registration.
TLDR: No time to read everything? Skip down to the one best card we recommend for DR Congo, based on all the analysis and criteria.
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USD
Apple Pay
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USD
Apple Pay
up to 5% cashback
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USD
Apple Pay
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How Much Is the Foreign Exchange Fee to Use These Cards in DR Congo?
Since these cards are denominated in USD, every time you spend in DR Congo, your payment needs to be converted into Congolese Franc first. Your card will charge an FX fee when converting to CDF.
Here's how they compare when it comes to foreign exchange (FX) fees.
* Visa and Mastercard charge around ~1% on top of the card's FX fee.
Example: Exa charges 1.5% foreign exchange fee. On a 23,000 Francs purchase, you pay 23,000 FC + 345 FC foreign exchange fee + 230 FC Visa foreign exchange fee = 23,575 FC.
When a payment terminal asks, choose the local currency, Francs. This lets your crypto card handle the exchange rate, so you can be sure of the exact percentage you will pay. If you choose USD, the local POS terminal bank does the conversion instead, often at a worse rate. In some countries, that markup can reach 8%.
Which Crypto Cards offer Physical cards for DR Congo?
Here are all the crypto cards that offer a physical card in DR Congo:
Here are all crypto cards that support DR Congo but DO NOT offer a physical card:
How Much Cashback Do These Crypto Cards Pay?
Out of the 3 crypto cards available in DR Congo, 1 offers cashback.
The highest advertised cashback % is usually not what you get on the free tier. You may need to pay a monthly fee or stake a large amount of tokens to unlock it.
Below you will see the entry-level cashback rate instead: what you can earn on the Free tier.
Lava
5%
daily spend limit 10,000 USD
Lava
1%
free tier
11,550 FC
no monthly cap
up to 5%
Lava Card offers up to 5% back in Bitcoin every time you spend, but realistically, most users will earn 1-3% cashback, depending on where they live. The full 5% BTC rewards apply when you spend with Lava merchant partners only.
| Eligibility | Cashback |
| User anywhere in the world, at selected Lava merchant partners | 5% |
| User in United States | 3% |
| User outside of United States | 1% |
Rewards are paid in Bitcoin (BTC) after your transaction settles, and you can track them inside the Lava app.
Cashback is paid on the amount you spend, and most cards limit how much you can earn. Some publish a monthly cap, and the figure above stops there. Others advertise a rate that only applies to the first slice of your monthly spend, then drop to a much lower ongoing rate - that drop is applied above too. Either way, a headline rate on its own tells you very little.
Here are all crypto cards that support DR Congo but DO NOT offer cashback:
Is There an Ideal Crypto Card for DR Congo?
To help you pick the best card, here goes. You should look at cards that have no monthly fee and no foreign exchange fee, let you spend without limits, pay you cashback, come with a physical card, and work with Apple Pay.
No card in DR Congo offers all 6 of these features yet. These are the ones that come closest:
| No Monthly Fee | 0% Foreign Exchange Fee | Unlimited Spend | Offers Cashback | Has Physical Card | Has Apple Pay | ||
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 Avici
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No Monthly Fee: yes | 0% Foreign Exchange Fee: yes | Unlimited Spend: yes | Offers Cashback: no | Has Physical Card: yes | Has Apple Pay: yes | Go to Site Our Review7.8 |
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Lava
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No Monthly Fee: yes | 0% Foreign Exchange Fee: yes | Unlimited Spend: no10,000 USD | Offers Cashback: yes | Has Physical Card: no | Has Apple Pay: yes | Go to Site Our Review6.4 |
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Exa
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No Monthly Fee: yes | 0% Foreign Exchange Fee: no1.5% | Unlimited Spend: no10,000 USD | Offers Cashback: no | Has Physical Card: no | Has Apple Pay: yes | Go to Site Our Review6.3 |
Avici is almost ideal, except that it has no cashback. Lava comes close, but it has a spending limit of 10,000 USD a day and no physical card. Exa is not far behind, with a foreign exchange fee of 1.5%, a spending limit of 10,000 USD a day, no cashback and no physical card.
Best for DR Congo: If you're from DR Congo, the best card for you to use, based on the above, is Avici Card.
FOR DR CONGO READERS
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