Ledger Card Review 2026
Last updated: by the Sweepbase Editorial Team
Last updated: by the Sweepbase Editorial Team
Ledger Card (Crypto Life) brings industry-leading self-custody security to everyday spending through partnership with Baanx and Ledger hardware wallets. Earn 1% cashback in Bitcoin or USDC on every purchase while maintaining complete control of your private keys—funds stay in your Ledger wallet until you decide to top up the card. Revolutionary paycheck deposit feature converts income directly to crypto or holds in fiat, lowering barriers for crypto newcomers. Launched in the USA in May 2025 with expansion planned, Ledger Card delivers 'Living the Crypto Life' with non-custodial payment freedom accepted at 90+ million Visa merchants globally.
This is a Visa crypto card. It uses a self-custody model. It offers cashback rewards. Available to US residents. Available in Europe. Available in the UK.
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | Standard Visa FX rates |
| ATM Limit | Available |
| Spending Limit | Based on verification and deposits |
The Ledger Card allows you to top up and spend using various cryptocurrencies. Your crypto is automatically converted to local fiat at the point of sale.
Supported assets: Crypto from Ledger wallet; direct paycheck deposit via bank transfer
The Ledger Card is best suited for DeFi enthusiasts and privacy-conscious users who want to maintain control of their private keys right up to the point of purchase.
With 1% cashback in BTC or USDC (or 2% in BXX token). Note: crypto funding incurs 1.75% conversion + 2% card spend fee = 3.75% effective cost; fiat funding has no conversion fee. cashback on eligible purchases, the Ledger Card rewards active spenders who use the card as their daily driver.
The card is currently available in EEA, United Kingdom, USA, Canada, Switzerland, Colombia, Mexico, Brazil — ideal for residents and frequent travellers in those areas.
Compare the Ledger Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Getting started with the Ledger Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Ledger website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Ledger processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using Crypto from Ledger wallet; direct paycheck deposit via bank transfer via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Ledger Card is available immediately in the Ledger app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available Across the EEA
The Ledger Card is available throughout the European Economic Area — covering all 27 EU member states plus Iceland, Liechtenstein, and Norway. UK residents should verify post-Brexit availability directly with the issuer.
Key supported countries:
