Lava Card has launched a secured Visa credit card offering Bitcoin rewards on all purchases. Users can fund the card with USD or stablecoins, and can also borrow against Bitcoin holdings. The card aims to integrate stablecoin payments into mainstream spending without altering existing transaction methods.
Lava Card has introduced a new secured Visa credit card designed to offer Bitcoin rewards on all purchases. US-based cardholders will receive 3% back in Bitcoin, while international users will get 1%. An additional 5% Bitcoin reward is available through Lava's network of Bitcoin-aligned merchants, with special elevated rates for Amazon, Apple, and Netflix purchases at launch. The card features no annual fee, no foreign transaction fee, and no markup on Visa's exchange rate, making it suitable for both domestic and international use. Users can fund their spending by linking a bank account for direct deposit or by transferring stablecoins such as USDC directly to Lava. This approach aims to integrate stablecoin payments into everyday spending without requiring changes from consumers or merchants. Additionally, users holding Bitcoin can access Lava's Bitcoin Line of Credit to borrow against their holdings without liquidating them, with interest rates starting at 5% and loans up to 50% loan-to-value against collateral. Lava Card previously announced raising $200 million in funding in November 2025 to support its bitcoin-backed lending platform and the launch of its Bitcoin Line of Credit.
This product aims to bridge the gap between traditional spending habits and cryptocurrency rewards, potentially increasing mainstream adoption of stablecoins and Bitcoin by making it easier for users to earn and hold crypto through everyday purchases.