The Lava Card earns 1-5% BTC cashback on a Visa credit card with no annual fee, available in Global (US focus).
The Lava Card is a crypto credit card offered by Lava, available in Global (US focus). It offers 1-5% BTC cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in the US guide. See where it ranks among the best crypto credit cards.
| Tier | Rate | Requirement |
|---|---|---|
| International | 1% | All purchases outside the US |
| US Standard | 3% | All purchases for US-based cardholders |
| AI Tools | 5% | Purchases at OpenAI, Anthropic, xAI/Grok, Cognition, Cursor, Perplexity, GitLab, Supabase, Vercel, OpenRouter, Factory AI, Maple AI and Hermes Agent. Applies globally, not only to US cardholders |
On $500/mo spend, the estimated monthly cost breakdown for Lava Card is: gas $0.00, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $5.00/mo cashback that nets a gain of about $5.00/mo ($60.00/yr). Lava Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Secured Visa credit card from Bitcoin lending platform Lava (raised $200M in 2025). Spend from USD balance funded via bank transfer, direct deposit, or USDC. BTC holders can also fund via Lava's Bitcoin Line of Credit (borrow against BTC without selling). No annual fee, no FX fee, no minimum spend. Cashback paid in Bitcoin. Launched at Bitcoin 2026 conference. CORRECTION (2026-08-29): removed a previously recorded 10% "Partner Merchants" tier (Vibecode App and Chorus) that no independent source corroborates; Bitcoin Magazine, Lava's own rewards FAQ, and other coverage consistently cap the partner-merchant rate at 5%. At launch that 5% tier applied to Amazon, Apple and Netflix; Lava's partner network is described as expanding, so the AI Tools merchant list may supersede those, but no source supports a rate above 5%.
Other crypto cards in the same region or category that may suit your spending profile:
The Lava Card is a crypto credit card offered by Lava. It is available in Global (US focus) and allows users to spend cryptocurrency at merchants worldwide.
The Lava Card offers 1-5% BTC cashback. There are 3 tiers: International (1%), US Standard (3%), AI Tools (5%).
The Lava Card has an annual fee of $0. Additional fees: FX fee: 0% (no foreign exchange or cross-border fee).
Yes. The Lava Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Lava Card is available in Global (US focus).
The Lava Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the Lava Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.