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 CARD FEE
- NO FX FEES OR FOREIGN-CURRENCY SPREAD
- UP TO 5% BTC BACK
- NO CREDIT CHECK
- SELF-CUSTODIAL BTC-BACKED BORROWING
- SPEND FROM USD OR STABLECOIN BALANCE
- BANK TRANSFERS AND DIRECT DEPOSIT
- VISA ACCEPTANCE IN 150+ COUNTRIES
- PREMIUM VISA PURCHASE PROTECTION
- EXTENDED WARRANTY
- TRAVEL AND RENTAL CAR INSURANCE
- 5% BTC BACK ONLY AT LAVA MERCHANT PARTNERS
- NON-US USERS GENERALLY EARN 1% BTC BACK
- BTC-BACKED BORROWING CARRIES LIQUIDATION RISK
- BTC COLLATERAL REQUIRED WHEN USING BLOC
- FULL LIQUIDATION IF THE LIQUIDATION PRICE IS REACHED
- 2% ANNUAL CAPITAL CHARGE ON BLOC
- 6.5%–7.5% FIXED BORROW RATES
- 100,000 SAT MINIMUM TO REDEEM BTC REWARDS
- REWARDS VARY BY LOCATION AND MERCHANT
- BANK TRANSFER AVAILABILITY VARIES BY REGION
- SWIFT NOT SUPPORTED
- DOMESTIC USD WIRES COST $25
- SAME-DAY ACH COSTS 1.25%
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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