CL Card vs Bitrefill Card
CL Card scores 9/16, Bitrefill Card scores 6/16 on the CBL Card Score. Here is every criterion side by side.
 CL Card |  Bitrefill Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 1 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 2 of 2 |
| Funding cost | 0 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 1 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 9 | 6 |
The short verdict: CL Card leads overall (9 to 6). Self-custody until loaded; e-money safeguarded by Monavate, 0% issuer FX; platform margin unconfirmed FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| CL Card | 1% in BTC or USDT outside the US, 1% in BTC or USDC in the US, paid monthly on the month's total card transactions, "No staking required" (official, ledger-card page and shop.ledger.com, checked 20 Oct 2026). The ledger-card hero still shows "2% in BXX", the older Baanx token reward (official; third-party: Blockworks, 24 Nov 2022). |
| Bitrefill Card | 1% on every crypto deposit and 1% on every purchase, "no cap", paid in EUR as Bitrefill store credit the same day the payment settles, no expiry (official, card page and card FAQ, checked 20 Oct 2026). Store credit buys gift cards, eSIMs and refills on bitrefill.com and cannot be withdrawn (official, FAQ). Bank withdrawals, cash-outs and ATM withdrawals earn nothing (official). Free eSIM of up to 20GB a month for depositing over €500 of crypto in the month (official, card page). |
Cashback is shown as a dated fact and never scored.