Lava has launched its Lava Card, a secured Visa credit which rewards Bitcoin for every transaction and receives stablecoins as a source of income – something the company says is designed to bring stablecoins to everyone without asking users or merchants to change their spending habits.
The card pays 3% back in Bitcoin for users in the US and 1% for users worldwide on all purchases and 5% back through Lava’s growing network of Bitcoin-affiliated merchants. To mark the launch, cardholders will earn up to 5% cash back on Amazon, Apple, and Netflix purchases, Lava said. Bitcoin Magazine.
There are no annual fees, no foreign exchange fees, and no exposure to Visa’s approved transfer fees, making the card usable both at home and abroad.
Lava is positioning the rewards system as a deliberate break from the complexity that defines most credit card programs. Instead of earning points that require transfers, conversions, or payment calculations, users receive Bitcoin – a currency they can track and save. It’s easy to use: spend dollars, earn Bitcoin, save money.
The card is protected, which means that the cardholders have money from USD money, they only have to pay and not borrow. Users can transfer funds to the card through a bank, direct deposit, or send fixed income such as USDC directly to Lava.
That stablecoin Strategy is one of the most coveted bets. Stablecoin adoption has grown rapidly across mobile devices, but everyday transactions have lagged behind – in part because swiping a card at checkout remains a default behavior for consumers and merchants alike.
Lava Card method stablecoin balances through the standard Visa rail, which means that every part of the transaction must change.
Users who own Bitcoin can also fund their transactions through Lava’s Bitcoin Line of Credit, borrowing against their BTC instead of liquidating it.
The merchant reward network, which will give some Bitcoin back and cash only to card owners, is planned to increase with announcements partner rolling over the coming months.
The card is available to users in almost every country and is accepted everywhere Visa is available.
Lava line of credit and money
Back in November 2025, Lava he announced raised $200 million in a combination of venture capital and debt financing to expand its bitcoin-backed lending platform.
So does the company he started The new Bitcoin Line of Credit (BLOC), designed to allow users to borrow bitcoins without fixed terms or agreed monthly payments.
This product offers interest rates starting at 5%, including additional fees, and loans that allow up to 50% to borrow money against bitcoin collateral.
