Lava Card Unveils Visa Credit Card with Bitcoin Rewards and Stablecoin Funding

A new financial product, the Lava Card, is set to bridge the gap between traditional spending habits and the cryptocurrency ecosystem. This secured Visa credit card allows users to earn Bitcoin rewards on all transactions and offers innovative funding methods, including direct use of stablecoins.

This initiative by Lava aims to integrate stablecoin payments into everyday commerce without requiring changes from consumers or merchants. By routing stablecoin balances through standard Visa networks, the card ensures a seamless experience for all parties involved.

Rewarding Spenders with Bitcoin

The Lava Card offers a compelling reward structure designed to simplify crypto accumulation. Users in the United States will receive 3% back in Bitcoin on all purchases, while international users earn 1%. For those who shop at partner merchants, the rewards can climb to 5% back in Bitcoin. Notably, during its launch period, popular services like Amazon, Apple, and Netflix are included in this elevated reward tier.

The card is designed with transparency and user-friendliness in mind. It boasts no annual fee, no foreign transaction fee, and no markup on Visa’s official exchange rates, making it an attractive option for both domestic and international use. Unlike complex points systems, the Bitcoin rewards are straightforward, allowing users to easily track and hold their accumulated crypto.

Flexible Funding and Future Growth

Funding the Lava Card is versatile. Users can load funds via traditional bank transfers, direct deposits, or by sending stablecoins like USDC directly to their account. This focus on stablecoin integration marks a significant step towards mainstream adoption of digital currencies for everyday spending, as highlighted by broader industry efforts to integrate digital assets into payment systems, such as when payment giants reportedly backed a new stablecoin platform.

Key features of the Lava Card include:

• Secured Card Model: Users spend from a pre-funded USD balance.
• Bitcoin Rewards: Earn 3% (US) or 1% (international) on all purchases, up to 5% at partner merchants.
• No Hidden Fees: Zero annual fees or foreign transaction markups.
• Stablecoin Funding: Direct deposits using stablecoins like USDC.
• Global Acceptance: Usable anywhere Visa is accepted.

Beyond spending, Lava also offers a Bitcoin Line of Credit (BLOC). This allows users to borrow against their existing Bitcoin holdings without needing to sell them. The BLOC features interest rates starting at 5% and permits loans up to 50% loan-to-value against posted Bitcoin collateral, offering flexible terms without mandatory monthly payments. The company itself secured $200 million in venture and debt capital in November 2025 to expand its bitcoin-backed lending platform and other offerings. The card is available in nearly every country where Visa is accepted, with an expanding network of Bitcoin-aligned merchant partners on the horizon.