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Lava Card

by Lava (Visa; issued via Rain) · Updated 2026-07-02

Get my Lava Card
Marketed: 3.0%Your effective cashback: 3.0% ($150/mo) at $5,000/mo on the Cashback plan
Cashback earned on your spend
$5,000 spent × 3.0%
3.0% on all spend (no cap)
$150/mo
Gross cashback per month
sum of the bands above, before fees
$150/mo
Annual cashback
$150/mo × 12 months
$1,800/yr
No fees on this plan
$0
Net cashback after fees
annual cashback minus all fees
$1,800/yr
Effective cashback rate
net ÷ your annual spend (3.0%)
3.0%

Based on your monthly spend — edit it on the home page.

At a glance

Network
Visa
Custody
custodial
Card type
credit
Form
physical
Mobile wallets
✓ Apple Pay✓ Google Pay
Tokens
USDCBTC
Availability
Most countries (Visa; 150+), United States
KYC
Required
Funding
Stablecoin (USDC) 24/7Bank transferDirect depositBorrow against BTC (BLOC)
Spending limit
Not published
ATM limit
Not published

Pros

  • Genuine 0% FX / zero spread — strong for international and travel spend
  • Cashback paid in real Bitcoin — 3% (US) base, 5% at partner merchants
  • No annual fee and no minimum spend
  • Flexible funding — stablecoins (USDC), bank transfer, direct deposit, or borrow against BTC
  • Backed by an established issuer (Rain) and a well-funded platform

Cons

  • "Self-custody" branding is disputed — Lava moved BTC collateral to a custodial cold-storage vault (Sept 2025); the USD card balance is custodial too
  • International cashback is only 1% — the headline 3% is US-only
  • Cashback is paid in BTC (volatile) rather than a stablecoin
  • Key details undisclosed — ATM access/fees, spending limits, cashback caps, virtual-card availability
  • No lounge, travel insurance, purchase protection or concierge perks

Cashback plans

Fees

FX markup
0% — no foreign-transaction fee, no spread over Visa's wholesale rate
ATM
Not published
Spending (crypto→USD)
0% (spend a pre-funded USD balance)
Funding / top-up
Stablecoin (USDC) 24/7, bank transfer, or direct deposit — no fee disclosed
Issuance
Not stated (likely free)
Monthly
$0 (no annual fee)

Perks & benefits

Get my Lava Card

We may earn a commission if you sign up through our links — it never affects our rankings or the cashback math.

Sources & how we verify this

Researched and verified 2026-07-02 from lava.xyz + Bitcoin Magazine + launch press, with the custody controversy independently reported (Blockspace, Gizmodo). This is the Lava Card from lava.xyz (a Bitcoin-backed Visa secured credit card) — NOT 'Lava Network' (the LAVA-token/airdrop project); they are unrelated companies. Visa, secured credit (spend a pre-funded USD balance), issued via Rain (bank sponsor undisclosed). CUSTODY: marketed as self-custody, but a Sept 2025 change moved BTC collateral to a custodial cold-storage vault and the USD card balance sits on-platform — modeled as custodial. CASHBACK is region-dependent and modeled region-aware: 3% for US, 1% for international (via regionRates); the 5% partner-merchant rate (Amazon/Apple/Netflix) is category-specific and not modeled. Paid in BTC. VERIFY before publishing: cashback caps (none published), ATM access/fees, spending limits, virtual-card availability, US-state eligibility, exact issuing bank, and the idle USD-yield rate. No referral program found.

Card terms are researched and illustrative — always confirm the latest with the issuer. Nothing here is financial advice.

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