Lava Card vs XPlace
2 crypto cards compared on the numbers that decide value: the real cashback you keep after fees and FX, where each is available, and their perks. Set your monthly spend and region below and every rate updates for your situation.
Cashback and FX are estimated for this spend and region.
| Lava Card | XPlace | |
|---|---|---|
| Effective cashback | 3.0% | 0.7% |
| Net / month | $150 | $33 |
| Network | Visa | Visa |
| Custody | custodial | self-custodial |
| Card type | credit | credit |
| FX for your region | 0.0% | 0.0% |
| Available in | US, UK, EU, CA, AU, APAC, ROW | US, UK, EU, CA, AU, APAC, ROW |
| Perks | 🏷️💰🏦💳 | 🛋️🎩🏷️💰🏦💳 |
Verdict for your spend
At $5,000/mo in your selected region, Lava Card returns the most real cashback (3.0%). The best card still depends on which perks you want and where you can get it, so check each against your situation.
Lava Card
- ✓0% FX markup from Lava on top of Visa's wholesale rate (Visa's own ~1% cross-border fee still likely applies on non-USD spend)
- ✓Cashback paid in real Bitcoin: 3% (US) base, 5% at partner merchants
- ✓No annual fee and no minimum spend
XPlace
- ✓Non-custodial: user keys, Kamino Finance smart contracts, XPlace cannot access funds
- ✓Earn yield on collateral while spending (SOL up to 6.15% APY; stablecoins up to 16% APY via Kamino)
- ✓No sell event / taxable event in Credit Mode: borrow against crypto, not sell
See more crypto card comparisons or the best cards for cashback.