Lava has launched its Lava Card, a secured Visa credit card that pays Bitcoin rewards on every transaction and accepts stablecoins as a funding source — a product the company says is built to bring stablecoin payments into the mainstream without asking users or merchants to change how they spend.
The card pays 3% back in Bitcoin for US-based users and 1% for international users on all purchases and 5% back through Lava’s growing network of Bitcoin-aligned merchants. To mark the launch, cardholders earn the elevated 5% rate on Amazon, Apple, and Netflix purchases, Lava told Bitcoin Magazine.
There is no annual fee, no foreign transaction fee, and no markup on Visa’s official exchange rate, making the card viable for both domestic and international use.
Lava is positioning the rewards structure as a deliberate break from the complexity that defines most card programs. Rather than accumulating points that require transfers, conversions, or fee math, users receive Bitcoin — a balance they can track and hold. The use case is pretty straightforward: spend dollars, earn Bitcoin, build savings.
The card is secured, meaning cardholders spend from a USD balance they fund themselves rather than borrowing. Users can move money onto the card via bank transfer, direct deposit, or by sending stablecoins such as USDC directly to Lava.
That stablecoin pathway is one of the product’s more ambitious bets. Stablecoin adoption has grown rapidly at the infrastructure level, but everyday spending has lagged — in part because swiping a card at checkout remains the default behavior for consumers and merchants alike.
Lava Card routes stablecoin balances through standard Visa rails, meaning neither side of the transaction has to adapt.
Users who hold Bitcoin can also fund their spending through Lava’s Bitcoin Line of Credit, borrowing against their BTC rather than liquidating it.
The merchant rewards network, which will offer additional Bitcoin back and exclusive savings to cardholders, is set to expand with partner announcements rolling out over the coming months.
The card is available to users in nearly every country and accepted anywhere Visa is.
Lava’s line of credit and fundraise
Back in November 2025, Lava announced it raised $200 million in a funding round combining venture and debt capital to expand its bitcoin-backed lending platform.
The company also launched a new Bitcoin Line of Credit (BLOC), designed to let users borrow against bitcoin without fixed terms or mandatory monthly payments.
The product offers interest rates starting at 5%, plus additional fees, with loans allowing up to 50% loan-to-value against posted bitcoin collateral.
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