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CL Card
Crypto cards
Debit card provided by Baanx for Ledger users, funded with crypto sent from a Ledger signer via the Ledger Wallet app.
- Visa debit card in the US through Cross River Bank, with a free virtual card
- Fund it with crypto such as BTC, ETH, SOL and stablecoins sent from the Ledger Wallet app
- Crypto converts to fiat at the moment of purchase
- 1% rewards paid monthly in BTC or USDC in the US, BTC or USDT elsewhere
- Works with Apple Pay, Google Pay and ATMs
- Cashback
- 1%
- Paid in
- BTC or USDT
- Top cashback needs
- 2%: Choose BXX as the reward asset
- Monthly fee
- Free
- FX fee
- 1.5%
- Conversion fee
- 2%
- Custody
- Custodial
- Crypto converts
- At purchase
- Identity check
- Required
Some of these terms come from a review site because the issuer does not state them, and they can be out of date.
Compare all cards4.9 of 10
Seven criteria from the terms on this page, on a scale of 10. Compare it with other cards only. How we score
- Custody 4.0
- Self-custody is a 10, a custodial balance is a 4.
- Cashback 4.0
- Base tier: 3% or more is a 10, no cashback is a 1. Paid in the project's own token, a rate counts at three quarters.
- FX and conversion 1.0
- Base tier: no fee is a 10, 3% in FX and conversion together is a 1.
- Issuer and record 4.0
- Oct 2026: some US users’ personal data accessed in the Baanx program; no funds lost
- Fees 10.0
- No monthly fee is a 10; a fee or a paid physical card lowers it.
- Regions 10.0
- EEA, UK, US (except Vermont), Canada, Switzerland and parts of Latin America
- Phone pay and card types 6.0
- Apple Pay, Google Pay, virtual and physical cards.
- Download Ledger Wallet; a Ledger signer is recommended but not required
- Open the Card section, select your country and choose CL Card
- Pass identity verification
- Send crypto to the card from the Ledger Wallet app
- Add the card to Apple Pay or Google Pay and spend
Crypto sent to the card leaves self-custody and is held by the card provider, with Monavate running the account in the EU and UK. Full fees are in CL's own fee schedule rather than on the Ledger page, and the card is offered only in listed countries.
No security incidents found in our check of Oct 30, 2026.
