Our Official Verdict
Safe Off-Ramp for Hardware Wallets: 1% BTC Back
The standard Ledger card is the safest way to maintain liquidity. By offering 1% cashback and a Free annual fee, it serves the needs of long-term HODLers who want to spend their digital assets without leaving the hardware-secured ecosystem.
Overview
Spend Bitcoin and stablecoins directly from your Ledger ecosystem with 1% cashback.
Fees & Charges
Annual Fee
Free
FX Fee
1.75%
ATM Fee
1.5%
Requirements
Supported Regions
US, EEA, UK, LATAM
Spendable Assets
BTC, ETH, USDC, USDT
Ledger CL Card Review
The Ledger CL Card is a self-custodial Visa debit crypto card designed to let Ledger users spend digital assets in everyday purchases.
The Security-First Off-Ramp for Ledger Users
The Ledger CL Card is a Visa debit card integrated with the Ledger ecosystem. It is designed for users who want card-level convenience without storing long-term funds on a centralized exchange.
Spending & Mechanics: Ledger Live + Baanx Rails
The card experience is managed through Ledger Live and issued via Baanx infrastructure. Users can access a virtual card for online and mobile payments and order a physical card for in-person purchases.
Rewards Snapshot
The issuer highlights 1% cashback paid in BTC, USDC, or USDT. Reward eligibility and caps can vary by region and issuer terms, so confirm your local details in the Ledger Live app.
Availability and Mobile Wallets
Ledger lists availability across multiple regions, including EEA/UK, US, Canada, Switzerland, Colombia, Mexico, and Brazil, with Apple Pay and Google Pay support. Availability can change based on local compliance, so verify eligibility before applying.
Fees and Limits
Ledger does not publish a full public fee table on the card landing page. Treat FX fees, conversion fees, and ATM charges as issuer-disclosed in-app until a public schedule is posted.
Setup Checklist in Ledger Live
To avoid friction, confirm these steps inside Ledger Live:
- Eligibility: Country availability and KYC requirements.
- Funding path: Which assets can be moved into the card account.
- Card controls: Freeze/unfreeze, spend limits, and virtual card access.
- Rewards payout: The payout asset and any reward caps.
If you prefer minimal exposure to custodial risk, treat the card account as a short-term spending buffer rather than a long-term storage wallet. Keep only the amount you plan to spend in the near term.
Verdict
The Ledger CL Card is a strong option for security-first users who already manage assets in Ledger Live. The rewards are modest, but the custody model and ecosystem integration are the primary reasons to consider it.
Fees and break-even math
Annual fee: $0; FX fee: 1.75%; ATM fee: 1.5%. With $0 annual fees and a 1% rewards rate, the Ledger CL card breaks even on the first purchase. All numeric fee and limit figures referenced above are sourced from the issuer documentation listed below. Source: Issuer card page.
Competitor comparison
Closest alternatives include the MetaMask Card and the Gnosis Pay Card. Compare custody model, reward caps, and FX fees before choosing.
