可申请地区
支持申请或可正常开卡使用
150条
- 证据来源
- 官方支持
- 更新时间
- 2026/08/14

最近更新:2026/09/14
Lava Card 是 Lava 推出的 Visa 加密抵押信用卡,用户以 Lava 账户内美元余额进行消费,并可通过银行转账、工资直存、稳定币入金或以 BTC 抵押取得美元资金。卡片可在全球 Visa 受理商户使用,无外汇手续费,并根据用户所在地区及合作商户提供 1%–5% 的 BTC 消费奖励,适合稳定币用户、比特币持有者以及有跨境消费需求的用户。
Lava Card 属于 secured credit card,而不是传统无抵押信用卡或直接扣币的借记卡。消费实际从用户可用 USD 余额形成的信用额度中完成;用户可存入 USDC、USDT 等稳定币形成统一美元余额,也可从银行转账或通过 Lava 的 BLOC 以比特币作抵押取得美元。国际卡账户由抵押资产保障,消费额度与抵押价值和账户风险控制动态关联。卡片支持在线、移动端和实体商户 Visa 支付,官方条款同时覆盖 physical 和 virtual Lava Cards。2026 年 7 月起,Lava 已扩展稳定币入金至 USDC、USDT 和 PYUSD,并覆盖十个区块链网络。
比较不同卡片形态与等级的真实费用记录
L Lava Card | |
|---|---|
| 卡片类型 | 虚拟卡+实体卡 |
| 费用 | |
| 月费 | 免费 无常规月度卡费 |
| 开卡费 | 免费 当前申请不收卡费 |
| ATM 取现费 | 2% 2%,最低 1 USD 启用ATM功能时收取 |
| 货币转换费 | 免费 零外汇费且零点差 |
| 充值费 | — |
| 交易失败费 | — |
| 奖励 | |
| 返现 | — |
| 加密货币返现 | 3% 美国3%,境外1%,伙伴5% |
| 质押奖励 | — |
| 质押年利率 | — |
| 欢迎奖金 | — |
| 推荐奖金 | — |
| 限制 | |
| 每日支出限额 | 0 USD 额度按账户动态确定 |
| 每月支出限额 | — |
| ATM 取款限额 | — |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化,请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈,不构成办卡建议。
支持申请或可正常开卡使用
150条
不支持或受限开户/功能
34条
资料不足,状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆:不支持以中国大陆居住或注册地址申请Lava Card;境外已持有效Visa卡仍可在受理国际卡的合规商户消费,并可按钱包规则绑定微信或支付宝。
2、香港::可申请国际版Lava Card,需完成身份审核并获得发卡方批准;持卡后可在接受Visa的线上线下商户及支持的移动支付场景使用。
3、澳门:可申请国际版Lava Card,需通过账户及发卡合规审核;获批卡片可在接受Visa的线上及线下商户进行国际消费。
4、台湾:可申请国际版Lava Card,需通过身份和居住资格审核;获批后可在国际Visa商户、线上订阅及移动支付场景消费。
开户前需完成身份验证,以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
完整 KYC
居住证明
不需要
护照、国民身份证
需提交真实身份及居住信息并完成身份证件验证;标准流程可不上传地址证明,但发卡及合规复核可要求补充身份资料
未披露
2026/08/14
查看各类支付场景的支持状态及更新时间,便于您快速了解当前可用性。i
兼容性概览
共 11 项场景支持
11项
不支持
0项
数据更新时间
2026/08/14
钱包支付
更新时间 2026/08/14
钱包支付
更新时间 2026/08/14
现金服务
更新时间 2026/08/14
AI 工具
更新时间 2026/08/14
AI 工具
更新时间 2026/08/14
钱包支付
更新时间 2026/08/14
AI 工具
更新时间 2026/08/14
线上购物
更新时间 2026/08/14
钱包支付
更新时间 2026/08/14
订阅服务
更新时间 2026/08/14
钱包支付
更新时间 2026/08/14
基于已核实记录写成的产品评测,结论与更新时间一并列出。
暂无深度评测
这张卡片还没有发布评测。发布后会出现在这里,并在上游数据变化时标记为待更新。
经核实并发布的卡片变化记录,按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
Beware. They'll compromise your account and disappear, I wouldn't have recouped a penny without the effort of Clotter ~ waves
This App/Website is excessively collecting sensitive personal information, specifically requesting passport photos and facial recognition data (biometric data) without clear consent or legitimate authorization. This poses a severe risk of identity theft and violates privacy guidelines. Please investigate and review this behavior.
I've been using the Lava card for a while now, and I'm really happy with it. The app is easy to use, payments go through smoothly, and the fees are lower than with any other crypto card I've tried. I also like that there are no extra charges for international payments, which is a big plus for me. In my opinion, it's better value than the other crypto cards I know. I also noticed that Lava offers crypto-backed loans and the ability to earn yield on your assets. I haven't tried those features yet, but it's great to have them available in one app. Overall, it's the best crypto card I've used so far. Highly recommended!
good
The good: - send transaction gas fee abstraction (no gas, I think) - modify your card spend limit - seems straightforward The bad: - Card cash back is locked until you accrue a very very very high minimum ≥ 100,000 sats (one hundred thousand). That has to go to 1 sat if they intend to survive against the competition - Unproved company with checkered communication past - Super annoying minimums to yield (≥ $60), to send (≥ $20), no way to send out a specific sat amount - Associated with investors I do not support or agree with
Great app, now I can spend BTC and USDC using Lava Card. Thank you Lava
Proxen~~Binders was the only reason I got a dime from these folks. Stay far from here.
I had a problem that was my fault and lost some funds. It was resolved in no time, efficiently, in a polite manner. Refreshing when I compare it to the poor service I've recently received from a big name bank. My interest payments and cash backs have all been credited quickly. Really impressed.
Nice and grate
good wallet and exchange.
更新时间:2026/08/14
暂无风险因素