Full profile.
Fees, cashback, eligibility, and how long this card has been on the market.
This card
Ledger (card provided by Baanx) · Visa
Ledger CL Card
Visa debit in Ledger Wallet. 1% cashback. The CL balance is custodial.
EU / EEAUnited KingdomUnited StatesLatin America
Net yearly gain @ $1,500/mo
Not published
Launched: Not published
Flick trustworthyNot published
Verified September 25, 2026 · Illustrative data
Ledger’s CL Card page says the card is provided by Baanx and managed from Ledger Wallet. Once funds move to the CL account they are no longer self-custody. The FAQ rate is 1% cashback in BTC or USDT (BTC or USDC in the US). A marketing line also mentions 2% in BXX; we rank the 1% FAQ rate. Apple Pay is yes on the FAQ. The product photo on the same page shows a Visa mark; the FAQ text only says a crypto card is typically Visa or Mastercard. FX and a conversion percent sit behind the provider fee link, so they are not filed here.
Availability
Ledger FAQ: EEA, UK, US, Canada, Switzerland, Colombia, Mexico, and Brazil. The hero still says “US starting soon”. Canada has no region chip. Switzerland is listed beside the EEA, not inside it. The provider page also names Argentina and Australia; those are not on the Ledger FAQ, so they are not filed.
- EMI / issuer
- UAB Monavate (EU); Monavate Ltd (UK). US: Baanx US Corp
- Regulator
- UK: Monavate Ltd, FCA 901097. EU entity code 305628001
- Custody
- Custodial
- KYC
- Full KYC
- Form
- Virtual + physical
- Fee-free ATM
- Not published
- Assets
- Multi-asset
- Top-up
- Crypto
- High limits
- Not published
- Staking / lock
- No
- Launched
- Not published
- Apple Pay
- Yes
- Google Pay
- Yes
Strengths
- ＋1% cashback in BTC or USDT without a stake
- ＋Apple Pay on the official FAQ
- ＋Virtual and physical, no yearly fee on the provider page
Watch-outs
- –The CL account is custodial once you transfer funds
- –FX and the conversion percent are not on the Ledger page
- –Hero and FAQ disagree on whether the US is open
Fee stack
- Issuance
- Free card on the provider page
- Yearly fee
- Free
- FX
- Not published
- Conversion
- Not published. Crypto converts to fiat at purchase. A conversion percent and an FX percent are not printed on the Ledger page. The 2023 UK fee sheet lists 0% on foreign-currency card payments; we do not treat that old UK sheet as the global FX rate.
- ATM withdrawals
- A single fee-free ATM band is not on the Ledger FAQ. The 2023 UK Monavate fee sheet lists paid cash withdrawals. Other regions stay on the provider fee link.
Net cashback
Entry → Max
1%
Token
FAQ: 1% in BTC or USDT outside the US, and 1% in BTC or USDC in the US, paid monthly. The page also mentions 2% in BXX and the provider page says up to 2%. We rank 1%.
Eligibility
Minimum age: Not published
A minimum age is not on the Ledger FAQ. The card is issued by Baanx / Monavate, so expect a full identity check with the issuer. “No credit checks” on the provider page describes the collateral credit line, not a no-KYC card.
- ▸Country on the Ledger FAQ list
- ▸Identity check with the issuer (Baanx / Monavate)
- ▸A Ledger signer is optional; the FAQ says you can get the card without one
Other cards to consider
Ledger CL Card
Affiliate link · terms with the issuer
