CryptoCardsPerks
Xapo Card
7.7/10
Ranked #14 of 76
Overview
The Ledger CL Card is a non-custodial crypto card aimed primarily at users in Europe. It runs on the Visa network, so it's accepted anywhere Visa is, and supports Apple Pay and Google Pay for tap-to-spend. In our ranking it currently sits at #14 of 76 cards, with an overall score of 7.7 out of 10.
★ Ledger CL Card referral code
LEDGER1223
New users who sign up with this code typically get a welcome reward credited after your first top-up. Rewards vary by region and are set by Ledger CL Card.
Rating breakdown
How the Ledger CL Card scores across the categories we weigh into its overall 7.7/10.
Fees & value7.6
Rewards7.8
Ease of use7.8
Security & custody8.1
Availability7.1
Cashback & rewards
Spending on the Ledger CL Card earns cashback, starting around 1% on the base tier. Higher rates are typically unlocked by staking the provider's token or moving up to a paid plan, and base-tier rewards are usually capped monthly. Here's how the tiers generally compare:
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Starter | No stake required | 1% | ~30 / month |
| Plus | Token stake or paid plan | 3% | ~100 / month |
| Premium | Higher stake / top tier | 6% | Higher or uncapped |
Cashback is usually paid in the provider's token or in stablecoin. Exact rates, caps and the assets you can earn vary by region — confirm current numbers on the official site.
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | Free |
| Card issuance | Free |
| Card spend (USD)Fee on purchases made in US dollars | 0% |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 1% |
| ATM withdrawals | Free up to 200/mo |
How to get the Ledger CL Card
- Download the Ledger CL Card app or open the provider's website.
- Create an account and complete KYC with a photo ID and selfie.
- Enter referral code LEDGER1223 during sign-up to claim any welcome perk.
- Connect or fund your self-custody wallet, then order your physical card or start using the virtual card.
- Add the card to Apple Pay or Google Pay to tap and spend.
Pros & cons
Pros
- Earns up to 1% cashback on eligible spending
- Physical card available for in-store and ATM use
- Works with Apple Pay and Google Pay
- Non-custodial — you stay in control of your funds
Cons
- Requires full KYC (government ID + selfie)
- Availability limited mainly to Europe
Who it's for
Ledger CL Card suits people based in Europe who want to keep custody of their own crypto while still being able to spend it. Be ready to complete standard identity verification during signup.
Frequently asked questions
Does the Ledger CL Card offer cashback?
Yes. The Ledger CL Card pays cashback starting around 1% on the base tier, with higher rates available on upgraded or staked tiers. Base rewards are usually capped monthly.
Is the Ledger CL Card available in my country?
The Ledger CL Card is primarily available in Europe. Check the provider's site for the current list of supported countries.
Does the Ledger CL Card require KYC?
Yes. The Ledger CL Card requires standard KYC — typically a government ID and a selfie — during sign-up.
Is the Ledger CL Card custodial or non-custodial?
The Ledger CL Card is non-custodial, meaning you keep control of your own funds and can move them without the provider.
What network does the Ledger CL Card run on?
The Ledger CL Card runs on the Visa network, so it's accepted wherever Visa is supported, and it works with Apple Pay and Google Pay.