Ledger Launches CL Card for Worldwide Crypto Spending
Ledger has announced the CL Card, a new way for users to spend crypto at over 90 million merchants worldwide. With an added bonus of earning 1% back in Bitcoin or USDT on every purchase, Ledger is blending the convenience of traditional payment cards with the benefits of holding digital assets.
Spend Without Selling Your Crypto
One of the biggest barriers for crypto users has been using their holdings for daily purchases. Selling crypto to pay for goods can trigger taxes and might reduce long-term investment potential. The CL Card solves this by letting you use crypto as collateral, essentially turning your digital assets into a temporary credit line.
For example, imagine a user with $5,000 in Bitcoin wanting to buy a $500 flight. Instead of selling Bitcoin and paying capital gains taxes, the CL Card allows the user to borrow against their Bitcoin and make the payment instantly. The crypto remains theirs while they benefit from liquidity and convenience.
This approach reflects a recent trend in the crypto space. According to a 2024 report from Crypto.com, more than 45% of crypto users want payment solutions that allow spending without selling, showing strong demand for tools that bridge traditional finance and blockchain ecosystems.
Spend crypto at 90M+ merchants worldwide with the CL Card.
– Use crypto as collateral, no selling required.
– Earn 1% back in BTC or USDT on every purchase.
– From coffee to flights, pay for anything while holding your stack. pic.twitter.com/3VbOhlZxRn— Ledger (@Ledger) November 18, 2025
Another standout feature of the CL Card is its rewards program. Users earn 1% back in BTC or USDT on every purchase, effectively allowing their spending to generate additional crypto. This feature aligns with a growing movement toward crypto rewards cards, similar to cashback or points programs in the traditional banking world, but with the advantage of exposure to digital assets.
Further Enhancements from Ledger
Ledger Wallet has announced a new feature allowing users to deposit local currencies such as USD and EUR directly into their Cash-to-Stablecoin account and receive USDC stablecoins through their new provider, Noah.
Finally, buying crypto is easy.
It’s taken 15 years, but now you can say goodbye to all those hoops you’ve had to jump through to complete one basic transaction.
With Cash-to-Stablecoin, powered by @Noah_HQ in Ledger Wallet, purchasing Stablecoin is now simple and efficient. pic.twitter.com/kwNY3MpRus
— Ledger (@Ledger) November 19, 2025
This option lets users bypass centralised exchanges and transfer funds straight from their bank account while keeping full control of their assets. To make getting started easier, Ledger is offering zero processing fees during the initial launch period, followed by a low 0.25% conversion fee, providing a simple and affordable way for beginners and investors to enter the crypto space.