Ledger CL Card

The Ledger CL Card is a crypto debit card provided by Baanx and designed specifically for the Ledger ecosystem. It bridges the gap between Ledger's industry-leading hardware wallets (Ledger Stax, Flex, Nano) and everyday spending — letting users hold crypto safely in self-custody on a Ledger signer and push exactly the amount they want to spend to the CL Card account when they need to pay.

The headline selling point is “Your crypto. Your life.” — spend crypto everywhere at 90 million+ merchants and online stores, or use your crypto as collateral with the in-app Cryptodraft and Stableloan credit-line features (rates starting from 0% APR). These credit lines let you access stablecoin spending power on the card without selling your long-term crypto holdings.

The CL Card is managed entirely through the Ledger Live app attached to your Ledger hardware wallet. Top-ups from Ledger Live to the CL Card account are fast and secure, and the crypto-to-fiat conversion happens automatically at the moment of purchase — there is no need to open Ledger Live or sign with your Ledger signer at checkout.

Key headline figures:

• 1% cashback in BTC or USDT on every spend (ex-US) — or 1% in BTC or USDC for US residents — with a boosted 2% cashback in BXX (Baanx token).
• 90 million+ Visa merchants worldwide accepting the card online and in-store.
• Apple Pay supported for tap-to-pay everywhere.
• Cryptodraft & Stableloan credit lines starting from 0% APR (US residents excluded from credit-line features).
• Available across 8 regions: EEA, UK, US, Canada, Switzerland, Colombia, Mexico and Brazil.

The CL Card is the only major crypto card with deep hardware-wallet integration — moving funds from cold storage to the spend account is done via a Ledger-signed transaction, so users keep total ownership of their long-term holdings up to the moment they push funds to the card.

Self-custody model

It is important to note how custody works: assets remain in your sole custody as long as their private keys are stored in your Ledger signer. Once you transfer funds from your Ledger signer to your CL Card account, those funds are no longer under self-custody — they sit with the CL Card program (Baanx) for spending. This hybrid model keeps your reserve stash safe while making some funds liquid for everyday spending.

The CL Card is aimed at people who already hold their own keys on a Ledger device, and the closest alternatives for a self-custody-minded spender are the MetaMask Card and the Wirex Card. All three are profiled against the rest of the market in our Best Crypto Cards round-up.

Quick, secure transfers between Ledger Live and the card

• Top up and manage the CL Card directly inside the Ledger Live app attached to your Ledger wallet.
• Transfers are signed by your Ledger hardware signer — funds move only with your cryptographic approval.
• The card is designed end-to-end for the Ledger ecosystem, with a dedicated Card section inside Ledger Live.

Spend crypto, or use it as collateral

• Spend crypto directly — top up the card with crypto and spend at 90M+ merchants.
• Cryptodraft — get extra spending power on the card without selling your crypto. Access a line of stablecoin credit using crypto as collateral.
• Stableloan — quick, hassle-free line of stablecoin credit.
• Credit-line rates start from 0% APR. US residents are not eligible for credit-line features.

Cashback on every purchase

• 1% cashback in BTC or USDT for non-US cardholders; 1% in BTC or USDC for US residents.
• Boosted 2% cashback in BXX (Baanx native token) for all cardholders.
• You choose your cashback payout currency in the app — you must specify it to enable rewards.
• Rewards are calculated across the total of your card transactions in the month and paid at month-end.

Instant fiat conversion at point of purchase

• Crypto-to-fiat conversion happens automatically at the point of sale — no Ledger Live session or signer needed at checkout.
• Spend crypto at over 90 million merchants and online stores worldwide wherever Visa is accepted.

Apple Pay

• Add the CL Card to Apple Pay for tap-to-pay convenience — Apple Pay support is officially confirmed by Ledger.
• Use the same CL Card for contactless payments across iPhone, iPad, Apple Watch and Mac.

How to start spending with your Ledger wallet and CL Card

1. Get a Ledger wallet and download the Ledger Live app.
2. Open the Card section in Ledger Live, select your country of residence and choose CL Card.
3. Top up the CL Card account securely with crypto using your Ledger wallet — signing the transfer with your hardware signer.
4. You're ready to spend at 90M+ merchants worldwide with instant conversion.

Self-custody note

You don't need to own a Ledger signer to use the CL Card — but it's strongly recommended. When you transfer funds from your Ledger signer to the card account, those funds are no longer self-custodial: they sit with the CL Card program (Baanx) for spending. Your remaining holdings stay protected in hardware custody.

The CL Card is designed to make a broad crypto portfolio spendable. Crypto held in your Ledger Live app can be pushed to the CL Card account and converted to fiat automatically at the point of sale.

Major supported cryptocurrencies (representative)

• BTC — Bitcoin (also a default cashback payout currency)
• ETH — Ethereum
• USDT — Tether (cashback payout currency outside the US)
• USDC — USD Coin (cashback payout currency for US residents)
• BXX — Baanx native token (highest cashback payout at 2%)
• SOL — Solana
• XRP — Ripple
• ADA — Cardano
• DOT — Polkadot
• LTC — Litecoin
• AVAX — Avalanche
• MATIC — Polygon
• LINK — Chainlink

The complete list reflects everything supported by Ledger Live, so any coin you can hold in a Ledger wallet is generally spendable through the card. Specific stablecoin-support details are configurable in the CL Card dashboard inside Ledger Live.

Supported fiat (auto-conversion at point of sale)

• EUR — Euro (EEA cardholders)
• GBP — Pound Sterling (UK cardholders)
• USD — US Dollar (US & Canada cardholders)
• CHF — Swiss Franc (Swiss cardholders)
• CAD — Canadian Dollar
• COP — Colombian Peso
• MXN — Mexican Peso
• BRL — Brazilian Real

Ledger publishes the full CL Card fee schedule on the official Baanx legal page at withcl.com/legal — the headline terms are competitive against comparable exchange-backed crypto cards.

Headline fee structure

• Issuance fee: Free to order the virtual CL Card.
• Monthly fee: See withcl.com/legal — CL Card runs a competitive low-fee schedule with no charge for inactive accounts.
• Annual fee: None stated.
• Top-up fees: Crypto top-ups transferred from your Ledger wallet to the CL Card account settle with no Ledger-side fee; the withcl.com/legal page details any small conversion fee on each crypto-to-fiat conversion.
• FX fees: Instant crypto-to-fiat conversion at the point of purchase — see withcl.com/legal for the live conversion markup.
• Credit-line fees: Cryptodraft and Stableloan APRs start from 0% depending on collateral and credit-line product (US residents excluded).
• Cashback: Complimentary — 1% in BTC or USDT (ex-US), 1% in BTC or USDC (US), or 2% in BXX (Baanx token) on all card spend.

Always check the live schedule

Because Baanx and Ledger periodically adjust the fee schedule and reward tiers, the up-to-date authoritative source is the withcl.com/legal page and the Ledger Help Center article CL Card FAQs.