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PRODUCT
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Crypto cards

Ledger CL Card

Mastercard debit in the Ledger ecosystem: custodial in DE/AT/CH, EUR 0 issue, 1% saveback — FX surcharge not documented in the features.

MastercardCustodialDE/AT/CH

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Status: 07.09.2026

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Ledger CL Card ↔ Krak CardIn comparison

At a glance

Net
Mastercard
Card type
Debit
Custody
Custodial

program

Card features

Ledger CL Card

Mastercard

NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter.
Mastercard
Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line.
Debit
CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account.
Custodial
DE / AT / CHGermany, Austria and Switzerland: Documented edition in DE, AT or CH. Unknown policy is not a filter option.
DE/AT/CH
Apple/Google PayApple/Google Pay: Hard Research Line. A help text “2025 is coming” does not count as yes.
✓
FXFX: Provider's surcharge when paying in foreign currency, plus target currency if used. Spread when changing assets is not 0-%-FX. Visa rate = network rate without extra markup.
—
Withdraw moneyWithdrawing money (ATM): Fees and limits for cash at ATMs. “Unknown” / — is not a free acceptance.
Yes (Mastercard)
CapCap: Upper limit or scale of this SKU (month, AI band, flight). No cap in the cell does not mean “unlimited” if the policy is unknown.
—
SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work.
1%
Cash outCashout: In which asset the saveback refund arrives - e.g. E.g. same spend crypto, USDC, BTC, CRO or recurring investment plan. Not automatically Euro/Fiat.
BTC/USDT
Card costsCard Cost: Issue or subscribe to this SKU. Month × 12 = Year. EUR 0 only with an officially free edition - “no subscription” is not a 0. Mandatory lock or hold (CRO, XPL, WPAY) is in the cell with the amount - this is not a sorting price. Tickers lead to CoinMarketCap.
EUR 0

Overview

Editorial assessment

The Ledger CL Card is the custodial Mastercard debit crypto card in the Ledger ecosystem - despite hardware wallet branding, card balance is with the card partner, not on-device and not on the device as a signature per tap. One level, edition DE/AT/CH, Apple Pay and Google Pay documented. The product sits in the ledger shop context, but does not replace hardware wallet use and is not a non-custody card program. The question of custody remains central to the comparison with self-custody cards.

Saveback is at 1%, withdrawal BTC or USDT. Card issue EUR 0. FX surcharge and saveback cap are unassigned in the characteristics (—) — check in the table, do not guess. ATM with Mastercard is documented. Without a level matrix, there is no upgrade via Hold or VIP; However, unknown FX and cap fields remain visible and must be clarified before comparison with multi-level programs. Blank fields are part of the editorial classification, not a gap filling.

Custodial remains the central point: hardware wallet image and card custody are separate. If you want to keep keys on the card, you need a different model. The 1% rate alone means little as long as the FX and cap are open.

In Direct comparison Krak Card vs Ledger CL Card Saveback, FX and custody of the entry levels are in direct comparison - without ranking.

Non-custody from the MetaMask wallet offers the MetaMask Card with Virtual and Metal level, 1% entry level and optional 3% for an annual fee. You can find storage, network and saveback in the level table - a documented column with occupied and unoccupied fields readable next to each other.

Compare alternatives

02

Pros

  • Card issue EUR 0
  • Saveback 1%
  • Apple Pay / Google Pay
  • Edition: DE/AT/CH

Cons

  • Custodial — credit with the provider, not in your own wallet
  • FX markup unknown (—)
  • Saveback cap unknown (—)
03

Suitable for whom?

  • When documented issue counts without ticket price (EUR 0).
  • If saveback is important to you (1%).
  • Recorded country scope: Germany, Austria and Switzerland (DE/AT/CH). This is separate from spending abroad.
  • If you want to use Apple Pay or Google Pay.

Who is it not for?

  • If you want to hold keys yourself - custody is custodial.

Guides

Sources & notes

Review details2 Sources · Methodology

You can also find the sources for individual information directly in the respective characteristics area.

  1. CL Card compatible with LedgerLedger · retrieved 2026-09-07
  2. CL Card compatible with Ledger FAQLedger · retrieved 2026-08-15

For the complete methodology