Yearly cost at three spending levels
| Monthly spend | Bitget Wallet | CL Card |
|---|---|---|
| $500 | ≤ +$99.60 Base | -$142.15 Standard |
| $2,000 | ≤ +$398.40 Base | -$322.15 Standard |
| $5,000 | ≤ +$996 Base | -$682.15 Standard |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Bitget Wallet Base | CL Card Standard |
|---|---|---|
| Top-up and conversion fees | $0 | -$528 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$81.60 | $0 |
| ATM fees | Not disclosed | -$34.15 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$480 | +$240 |
| Net per year | +$398.40 | -$322.15 |
Fees
Bitget Wallet charges 0% to convert or top up and 1.7% on spending in a foreign currency. CL Card charges 2% and 0%.
The conversion fee applies to every dollar you load, so Bitget Wallet's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $20.
ATM withdrawals: Bitget Wallet no atm access (virtual card only); CL Card €2.50.
A virtual card costs $0.10 with Bitget Wallet and nothing with CL Card. A physical card costs an undisclosed fee and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Bitget Wallet cashback: 2% to 3%. CL Card cashback: 1% to 2%.
Bitget Wallet tiers: Base: 2%; Booster: 3%.
CL Card tiers: Standard: 1%; BXX rewards: 2%.
Bitget Wallet: Cashback (called assetback) is paid into your choice of Bitcoin, gold, USDC or tokenized US stocks. Small gas fees apply to on-chain transactions.
CL Card: Ledger's page says "1% cashback in BTC, USDC, or USDT" (BTC or USDC in the US, BTC or USDT elsewhere), claimed from the Loyalty program page. CL's own FAQ also offers 2% if you take the reward in Baanx's BXX token. Spending funded by the Cryptodraft credit line earns nothing. No spend or reward cap is published.
Availability and KYC
Bitget Wallet is offered in 41 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Argentina and Brazil. This entry covers the virtual card issued through Immersve in the EEA, the UK and Latin America. Bitget Wallet also offers cards in Asia (DCS Card Centre, with a physical card), mainland China (Fiat24) and South Africa on different terms.
CL Card is offered in 37 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, United States and Canada. Ledger says "The CL Card is currently available in the EEA, the UK, the US, Canada, Switzerland, Colombia, Mexico, and Brazil." This file uses the EU fee schedule. You do not need a Ledger device to get the card.
Bitget Wallet needs full KYC and CL Card needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Bitget Wallet does not publish fixed spending or ATM limits.
CL Card does not publish fixed spending or ATM limits.
Bitget Wallet works with Apple Pay and Google Pay, and CL Card works with Apple Pay and Google Pay. Bitget Wallet and CL Card issue a virtual card you can use straight away.
Custody and safety
Bitget Wallet scores 65/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Bitget Wallet names its regional card issuers (Immersve for Europe and Latin America) but does not publish their licences on its card pages.
CL Card scores 64/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through UAB Monavate. No incidents or enforcement actions found in the last 36 months. Only money loaded to the card as e-money is safeguarded under e-money rules. Crypto deposited to the CL platform becomes Baanx's property, and Baanx's terms warn that "in the event that any of Us becomes insolvent ... You may not be able to have the full value of Your deposits restored". Baanx describes its crypto services as "not regulated financial services". We could not find a published proof-of-reserves report. We found no official enforcement actions against the card providers. Ledger's own past security incidents are not listed, because Ledger does not provide or hold funds for the card.
Full reports: Bitget Wallet safety check and CL Card safety check.
About each card
Bitget Wallet Card (Europe and Latin America) is a self-custody Mastercard from Bitget Wallet (issued through Immersve). It tops up with USDC and USDT.
Ledger CL Card (Europe) is a custodial Visa card from Baanx (CL Card), card account by UAB Monavate. It tops up with BTC, ETH, USDT, USDC, LTC, XRP and SOL and its balance is held in EUR.
Which card fits you
Bitget Wallet fits if
- You want to keep crypto in your own wallet until each payment.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You want a higher cashback ceiling (up to 3%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
CL Card fits if
- You spend in foreign currencies often, since its FX markup is lower.
Read more: Bitget Wallet fees and details · CL Card fees and details