clcard.io
Ledger CL Card
The bitcoin flow
Review
Overview
Yes, this is a real bitcoin card. The Ledger CL Card is a Visa prepaid card co-branded with Ledger and powered by Baanx, available in the UK, EEA, and US (excluding NY and VT). Bitcoin stays in your self-custody wallet until you top up. It is sold per transaction when you spend, and you earn 1% cashback in BTC. Designed for Ledger users who want to spend crypto with minimal disruption to their custody.
Fees in practice
The virtual card is free for fully verified users. A physical card is free in some countries if you top up at least $100 in crypto; otherwise, delivery fees apply. No issuance, monthly, or inactivity fees are listed. Top-up, FX, and ATM fees are not published - only a note that spreads and FX percentages are not disclosed on clcard.io. Without clear fee data, the full cost of a load or spend cannot be calculated, but the lack of recurring fees is a plus.
Verdict
The Ledger CL Card is a solid choice if you want to spend bitcoin without moving it out of self-custody prematurely and value 1% BTC cashback. It’s best for Ledger users in the UK, EEA, or eligible US states. Avoid if you need transparent FX fees or mobile wallet integration.
The bitcoin flow
Bitcoin is loaded directly on-chain from your self-custody wallet - funds remain under your control until you initiate a top-up. Your bitcoin is sold per transaction at the time of spending, which is the taxable event in most jurisdictions. The operator converts BTC to fiat instantly when you make a purchase, so you don’t hold a BTC balance on the card. Lightning funding is not supported. The minimum top-up amount is not documented.
Rewards
You earn 1% cashback in BTC (or USDT/USDC) on all purchases, or 2% in BXX, Baanx’s native token. There are no documented caps or tiers beyond this choice. Rewards in BTC are subject to bitcoin’s price volatility until you sell. This is a documented, sats-denominated reward, preserving your bitcoin flow.
Custody & risk
The custody model is hybrid: your funds stay in self-custody until you top up, after which Baanx holds the fiat. Baanx Group Ltd is FCA-authorised, and US banking is handled by Cross River Bank (Member FDIC), giving it high operator confidence. However, Ledger’s original product pages are 404, and the full list of eligible countries is only visible post-login. No incidents are documented. Data quality is verified, so a test load is low-risk.
Pros & cons
Pros
Cons
Factsall documented fields
| Card type | Prepaid · Visa · Physical + virtual |
|---|---|
| KYC | Full KYC |
| KYC trigger | card issuance/onboarding on the CL Card platform |
| Custody | Hybrid |
| BTC load | Direct BTC top-up (on-chain) |
| BTC sale timing | BTC sold per transaction |
| Lightning | no |
| Issuance | - |
| Monthly fee | not documented |
| Top-up fee | not documented |
| FX fee | not documented |
| ATM fee | - |
| Cashback | 1% in BTC |
| Regions | UK, EEA, US |
| Apple Pay | no / unknown |
| Operator | Baanx (CL Card / Crypto Life Card) |
Score breakdownoverall n/a/10
FAQ5 questions
Is this a real bitcoin card, and when is my bitcoin sold?
Is KYC required to get the card?
What fees does it charge in practice?
Does it pay rewards in bitcoin?
Is it safe and who holds my funds?
On the website1 captures
Captured live capture 2026-09-27. Click any screenshot to enlarge.
Sources6 fetched & dated
Every claim traces to a source we fetched and dated. Community sources are individual threads, not paid reviews.
- Ledger x CL - Crypto Life Card (issuer Baanx)
Live check 2026-10-01: 'Sign Up Now', free virtual card for verified users, 1% cashback in BTC/USDT (2% in BXX), borrowing at 0% interest launching, Ledger Live integration, services for US customers via Cross River Bank. Contradicts the earlier assumption that the CL Card had ended - the program is accepting users.
- Spend Your Crypto with Ledger: The CL Card Comes to the US (05/28/2025)
"The CL Card, powered by the crypto payments platform Baanx, offers 1% Bitcoin cashback"; "your funds stay in self-custody until you decide to top up the card"; "running on Visa's network of over 90 million merchants worldwide"; "US residents (with the exception of residents in the states of New York and Vermont) can sign up".
- Ledger CL Card product page (dead link)
Returns "404 Not Found | Ledger" - the original Ledger shop product page for the CL Card is gone; product moved to clcard.io.
- Ledger CL Card page variant (dead link)
Also returns 404 ("404 Not Found | Ledger", fetched 2026-09-26) - both former shop paths are dead.
- Ledger blog - CL Card (1% BTC cashback, Visa, Baanx)
Program page live: 1% BTC cashback, Visa, provided by Baanx.
- CL Card signup app
Signup app answers HTTP 200 while clcard.io is DNS-dead.