Ledger CL Card
by Ledger
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- ID verification
- Card
- Physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Ledger CL Card ties into Ledger hardware wallets for added security, but money becomes custodial once it is on the card. Cashback of 1-2% only partly offsets fees that run above average.
What we like
- +Works with Ledger hardware wallets
- +Supports BTC, ETH, USDT, USDC, XRP, LTC and others
- +Up to 2% cashback when rewards are taken in BXX token
- +Offered in the US, EU, UK, Canada and Latin America
- +Works with Apple Pay and Google Pay
Watch out for
- −Fees stack up: 1.75% conversion plus 2% spend fee
- −Funds leave self-custody once loaded
- −Reports of frozen accounts and compliance delays
- −Reviews reported lasting 60+ days
- −Unavailable in New York and Vermont
7.2/10
Editor score
Good
4.7/10
User rating
Based on 60 sources
Lv 3
KYC Level
ID verification
Global
Availability
2 countries excluded
Card Overview
Rewards
- Cashback
- 2%
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- 1.5%
- FX Fee
- —
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- $15,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- $2,000
Card Info
- Card Type
- Physical Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
4.7/10
Sourced from
A trusted hardware brand is let down by its fiat partner. Users like the Ledger Live integration, fast delivery of the physical card and the Cryptodraft credit line, which frees up liquidity without a taxable sale. Reddit, Trustpilot and X are dominated by frozen accounts, arbitrary limit cuts and withdrawals pending for weeks, with support handled by Baanx and often unresponsive. Independent audits put the true cost of crypto-funded spending near 3.75%, which outweighs the advertised 1% BTC/USDC cashback. Money moved to the CL account leaves self-custody and has no FSCS protection, a gap that mattered during the April to May 2026 Baanx/Monavate receivership. It is not available to residents of Georgia.
Category Breakdown
Features
Supported Cryptocurrencies
Frequently asked questions
Does the Ledger CL Card require KYC?
Yes. Ledger asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Ledger CL Card charge?
The card has a monthly fee of free, an issuance fee of free. See the fee table above for ATM and decline fees.
Does the Ledger CL Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Ledger CL Card?
It is available in most countries, except China, Russia.
Which cryptocurrencies does the Ledger CL Card support?
BTC, ETH, SOL, USDT, USDC, XRP, BCH, LTC.
Last updated August 19, 2026, verified August 6, 2026.