Lava Card

The Lava Card is a secured Visa credit card that earns Bitcoin rewards on every purchase. It is designed for both US and international users, with no annual fee and no foreign exchange fees. The card is built on the Lava Protocol, a decentralized finance platform that extends credit to users based on their crypto holdings.

Rewards

• US users: 3% back in Bitcoin on all purchases.
• International users: 1% back in Bitcoin.
• Bitcoin-aligned merchant network: Up to 5% back when shopping within Lava’s partner network.

Rewards are earned in real Bitcoin, not points or platform tokens, making them attractive for long-term holders.

Benefits

• No annual fee and no FX fees with zero spread.
• Fund the card with stablecoins, bank transfers, or direct deposit.
• Borrow against Bitcoin via Lava’s BLOC (Bitcoin-Backed Line of Credit) feature.
• Global acceptance at over 150 million merchants.
• Save in Bitcoin while spending in dollars.

Important Considerations

The Lava Card is a secured credit product, meaning users must deposit collateral to access the credit line. The card is issued by Rain, while the Lava Protocol is responsible for credit evaluation and approval. The issuer does not participate in the credit transaction itself, and users agree to separate terms with the Lava Protocol. The card is available in the US and internationally, but exact terms may vary by region. Bitcoin rewards are subject to market volatility.