How Lava Card works

Lava Card is a secured Visa credit card that lets you spend the dollars in your Lava account anywhere Visa is accepted and earn bitcoin back on eligible purchases. There's no annual fee, no FX fee or spread and no minimum spend. Rewards arrive as bitcoin in your Lava account, not as points you have to redeem.

How it works

1. Fund your USD balance. Add dollars by transfer from a supported bank, by direct deposit of your paycheck or by depositing stablecoins. You can also borrow dollars against your bitcoin with the bitcoin line of credit (BLOC). Every method lands in the same balance.

2. Spend anywhere Visa is accepted. That's more than 150 million merchants in more than 150 countries. Foreign-currency purchases use Visa's official exchange rate with nothing added by Lava. You can also withdraw cash at ATMs in supported locations.

3. Earn bitcoin back. Rewards are issued as soon as a transaction settles, and you can watch them add up in the Lava app.

4. Keep building. Your rewards sit in your Lava account as bitcoin, so everyday spending adds to your long-term savings.

Costs, fees and rewards

Lava Card has no annual fee and no minimum spend, so you never have to spend a set amount to justify keeping it. Lava adds no FX fee or spread to foreign-currency purchases. You pay Visa's official conversion rate and nothing more from Lava. For any charges not covered here, check the card terms for your region: US or international.

Your reward rate depends on the merchant and where you're based:

Risks and limits

Lava Card is secured by your available USD balance. You can only spend dollars you already have, and the card doesn't extend unsecured credit. That keeps you from building card debt, but a purchase is declined if your balance is short.

Not every transaction earns rewards. A small set of merchant categories is excluded (listed in the FAQ below). Refunded, reversed or incomplete transactions earn nothing. Rewards are paid in bitcoin, so their dollar value moves with bitcoin's price.

If you fund spending with the BLOC, you're spending borrowed dollars. Interest and the BLOC's capital charge apply, and your collateral carries liquidation risk if bitcoin's price falls. The card is provided by a separate issuer under its own terms. Availability and reward rates depend on eligibility, location and approval. The card isn't yet available for business accounts.

Who it's for

Lava Card is built for bitcoin holders who want everyday spending to add to their long-term savings, with a reward they can understand without tracking points, categories or redemption values. It's also a simple way to start a bitcoin balance if you're new to bitcoin.

If you're paid in stablecoins or move money across borders, the card turns that balance into dollars you can spend globally with no added FX fee or spread from Lava. If you borrow with the BLOC, you can spend those dollars directly instead of selling bitcoin. Dollars you don't need yet can sit in the Lava Yield Account and move back to your spendable balance when you need them.

Get started

See current rewards and request your card at lava.xyz/card.