Lava Card
- 0% stables to USD conversion, 0% fx fee
- 1-5% cashback
- Visa Infinite - highest tier rewards from Visa
- Supports 220+ countries
- No Physical Card yet
- $10k monthly spend limit, need to request increase manually
-
Key Features
| Launched | June 2026 (1 month ago) |
|---|---|
| Visa or MC | |
| Debit or Credit | Prepaid Card |
| Denominated In | $ USD |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 USD |
| Monthly Inactivity Fee | 0.00 USD |
| Crypto to USD Crypto->USD Conversion Cost | 0% |
| Highest Cashback | up to 5% |
| Entry-Level Cashback | 1% |
| Entry-Level Cashback Monthly Cap | Unlimited |
| Daily Spending Limit | 10,000 USD |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Identity VerificationID Verification | KYC Requiredi |
| Crypto Asset Management | Custodial (you need the wallet provider to access your funds) |
| Supported Blockchains | Solana |
| Supported Cryptocurrencies | USDC |
| Supported Countries | AndorraUnited Arab EmiratesAfghanistanAntigua and BarbudaAnguillaAlbaniaArmenia |
Lava Card Benefits and Rewards
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.
Lava Card is a Visa Infinite - Here Are the Bonus Perks You Get
Your Lava Card runs on Visa Infinite tier and is issued in 🇵🇷 Puerto Rico - which automatically gets you a set of perks straight from Visa, on top of what Lava offers.
Top-Tier Visa Infinite is the most prestigious consumer Visa card - the top tier above both Visa Platinum and Visa Signature.
If you pay for your car rental with your Lava Card and decline the optional insurance upgrade they push at the counter, you'll get Visa Infinite insurance coverage worldwide for theft and collision on rentals up to 31 days, with no deductible.
Note:Since Lava doesn't have a physical card yet and most rental companies require one at the counter, you may not be able to use this benefit until Lava launches their physical card.
With your Lava Card, you get discounted access to 1,300+ airport lounges worldwide. For example, the Marhaba Lounge at Dubai (DXB) costs $53 for walk-ins, but you can book it for $32 via Visa Airport Companion app.
More Benefits
If you paid for your flight in full with your Lava Card and your checked bag doesn't arrive on the same plane as you, Visa Infinite pays up to $600 per trip to cover essentials like clothes and toiletries while you wait. If the airline then declares your bag permanently lost, Visa Infinite reimburses up to $3,000 per trip for what was inside. Coverage is worldwide and comes in addition to whatever the airline pays you.
When you pay for an item with your Lava Card, Visa automatically adds up to 1 extra year on top of the manufacturer's warranty, free. So a MacBook with a 1-year Apple warranty becomes 2 years of coverage. Works on most electronics and appliances, coverage is up to $10,000 per year.
If you spot the same item advertised at a lower price within 30 days (7 days for online purchases), Visa refunds you the difference, free. So if you buy a PlayStation for $500 with your Lava Card and see it on sale for $400 a few weeks later, you get $100 back. Works on most retail purchases, with up to $500 back per item and 4 claims per year.
If your laptop gets stolen within 180 days of buying it, Visa covers you - automatically, for free. You must have paid with your Lava Card, filed a police report within 48 hours, and submitted your claim within 90 days to receive up to $10,000 per year, on most items bought anywhere in the world.
When you book your flight, cruise, train, or bus ticket with your Lava Card, you're automatically protected by up to $1,500,000 in travel accident coverage, worldwide - and your spouse and children under 23 are covered too, at no extra cost.
Do I have to sign up with Visa first to qualify for benefits?
Benefits kick in automatically, but you have to pay for your car rentals, electronics, and anything else you want covered, with your Lava Card.
Registering isn't required, but it makes filing claims much easier later. Go to Visa Benefits Portal, pick Puerto Rico: English at the top, and register your Lava Card. That gets you in.
Lava Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- US
USA-based Bank Account- in your name
Useful Card Structure:Lava Card functions like a prepaid card, but on the backend, it is classified as a credit card. This means that while you cannot borrow money with this card, it will work at places requiring pre-authorizations.
Lava Card carries its own balance, and you'll need to top it up before use. Alongside, Lava offers you a personal bank account. You'll receive a USA-based bank account number, issued in your name, which is a nice additional option to have.
Third-Party Deposits:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Lava, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges, receive salary payments, or get paid by clients.
It's Issued Solely in Virtual Form, Lacking a Physical Version
Lava Card is available solely in virtual format, unlike 30% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Cost to Order: 0 USD |
Useful:Since Lava Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
The 'back' of virtual Lava Card
| Card Issuer | Rain |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 45492406 |
| Validity Period | 4 years |
| Issuing Country | Puerto Rico |
Rain is the card issuer used by several other crypto cards, including Plasma One Card, Tangem Card, Tuyo Card, Payy Card, and Tria Card.
Crypto-to-USD Conversion Cost with Lava Card
Lava Card Requires Pre-Load
Before you can use your Lava Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to USD and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | 0% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to USD Cost | 0% |
Low Cost:Compared to the average ~1.5% crypto-to-fiat cost of other cards, converting crypto with Lava Card is much more cost-effective (0%). This means that you will get more USD for your crypto when using this card.
How Does Lava Make Money? – I see 0% fees here. Am I missing something?
Every time you make a payment with your Lava Card, the merchant (Starbucks, Amazon, etc.) pays a small fee on that transaction to their bank that operates the POS terminal. This is called the interchange fee. The merchant's bank passes part of that fee to Visa, and they share a portion of it with Lava.
So while you don't pay a fee directly as a cardholder, Lava still earns a small amount from every transaction you make - that's how card providers make money.
From all crypto cards we reviewed, Lava Card, Plasma One Card and OKX Card offer the cheapest crypto-to-fiat conversions (~0%, ~0% and ~0.1% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Lava Card Compare to Other Crypto Cards?
Lava Card ranks #43 out of 76 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
Strongest Features Against Competitors
Here are the strongest features of Lava Card against its 75 competitors:
- Offers impressive maximum cashback of up to 5% (other cards have an average of 4%).
- Offers uncapped monthly cashback for entry-level users (exceeding competitors 55 USD average monthly cap).
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Their customer service is very good with a 8.5/10 score (others score only 7.4/10 on average).
- You won't be charged any monthly fee (while 15% of other crypto cards charge one, with a median of 2 USD per month).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~0% (versus an average of ~1.5% with other cards.)
- Their overall fees & limits structure is incredibly generous, with a score of 8.6/10 (average fees & limits structure rating amongst other cards is 6.4/10).
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 75 competitors, here are the shortcomings of Lava Card:
- Lesser-known company with a 2/10 brand authority score (the average for all competing cards is 6/10).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
- Only available in virtual format (while 30% of competing crypto cards offer both physical and virtual cards).
Lava Card vs. Gemini Card vs. KAST Card
Lava Card
|
Gemini Card
|
KAST Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 USD | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | 0% | ~1.74% | 0% |
| Highest Cashback | up to 5% | up to 3% | up to 5% |
| Entry-Level Cashback | 1% | 3% | 1.5% |
| Daily Spending Limit | 10,000 USD | 25,000 USD | Unlimited |
| Daily ATM Limit | N/A (Virtual-Only Card) | 1,000 USD | 750 USD |
| Foreign Exchange Fee | 0% | 0% | 1.75% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 1 | 53 | 5 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Less-Known | Growing | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. KAST Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Lava Card and Gemini Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Both Lava Card and KAST Card offer solid cashback rewards of up to 5%. The cashback rewards for Gemini Card are not as high.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Is Lava Card Available for Residents of United States?
Yes, Lava Card is available for residents of United States.
Lava Card supports the following countries: Afghanistan, Åland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Sint Eustatius, and Saba, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Canada, Cayman Islands, Central African Republic, Chad, Chile, Christmas Island, Cocos (Keeling) Islands, Colombia, Comoros, Congo Republic, Cook Islands, Costa Rica, Croatia, Curaçao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, DR Congo, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Falkland Islands, Faroe Islands, Federated States of Micronesia, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Heard and McDonald Islands, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Ivory Coast, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, New Caledonia, New Zealand, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Rwanda, Saint Barthélemy, Saint Helena, Saint Lucia, Saint Martin, Saint Pierre and Miquelon, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Georgia and the South Sandwich Islands, South Korea, South Sudan, Spain, Sri Lanka, St Kitts and Nevis, St Vincent and Grenadines, Sudan, Suriname, Svalbard and Jan Mayen, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, The Netherlands, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Turks and Caicos Islands, Tuvalu, U.S. Outlying Islands, U.S. Virgin Islands, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 20 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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