A-Tier - Strong picksCrypto cardVisa

Lava Card

Name: Lava Card
Brand: Lava

A secured Visa credit card backed by your bitcoin - spend dollars, keep the BTC, earn BTC back.

Lava is a bitcoin-collateralized lending platform ($200M raised) whose Visa credit card lets holders spend against their BTC without selling it: loans from ~5% at up to 50% loan-to-value, with collateral held under a self-custodial model. The card pays 3% back in bitcoin for US users with no annual or FX fees. Because you spend borrowed dollars, purchases trigger no taxable BTC disposal - the same logic as Nexo's credit mode, but bitcoin-native.

Go to official site View all cardsData verified: 2026-07

Max cashback

5% (BTC)

Monthly fee

No annual fee

Custody

Self-custody

Regions

United States, Global

Fees

Monthly feeNo annual fee

IssuanceFree

FXNo foreign transaction fee; no markup on the official Visa rate

ATMCredit card - designed for purchases, not cash withdrawals

Top-upsSecured by bitcoin collateral held in self-custodial vaults; borrow rates from ~5% + a yearly capital charge

Cashback

1% - 5%Paid in BTC

3% back in bitcoin for US users (1% international) on all purchases, and 5% at Bitcoin-aligned merchants in Lava's network.

Availability

US-first (3% BTC rewards); international users earn 1%. Bitcoin-backed borrowing available in most jurisdictions.

United StatesGlobal

Pros & cons

Pros

Spend without selling BTC (no taxable disposal)
3% bitcoin rewards in the US, 5% at aligned merchants
No annual fee, no FX fee
Self-custodial collateral model, top-tier investors

Cons

Borrowing against BTC carries liquidation risk
Interest from ~5% plus a yearly capital charge
Full rewards are US-only (1% elsewhere)
Young product relative to incumbents

Best for

Bitcoin maximalists
US holders avoiding taxable sales
Long-term HODLers needing liquidity

Alternatives

Coinbase One Card

A US credit card that pays every reward in bitcoin.

Nexo Card

The dual-mode card: spend borrowed funds against your crypto, or your own balance.

Ether.fi Cash

The DeFi-native card: spend against your staked ETH without unstaking.

This is not financial advice. Conditions change frequently: verify fees, cashback and availability on the official site before signing up.

Pros & cons

Pros

Spend without selling BTC (no taxable disposal)
3% bitcoin rewards in the US, 5% at aligned merchants
No annual fee, no FX fee
Self-custodial collateral model, top-tier investors

Cons

Borrowing against BTC carries liquidation risk
Interest from ~5% plus a yearly capital charge
Full rewards are US-only (1% elsewhere)
Young product relative to incumbents