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Avici Card vs Bitsa Card

Avici Card

Crypto native

6.1
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Bitsa Card

Crypto enabled

5.9
Get the card

Verdict

  • Avici Card scores higher overall (6.1 vs 5.9 out of 10).
  • Avici Card is clearly stronger on: Fees, FX & international, Product features, Credit & financing.
  • Bitsa Card is clearly stronger on: Availability, Transparency.
  • For 1,500 EUR/month of spend, Avici Card comes out about 27 EUR a year ahead on base-tier terms.

Avici Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Fees, FX & international, Product features, Credit & financing

Bitsa Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Availability, Transparency

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

Why we recommend it

  • 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
  • 5.35% variable interest on your balanceConditions apply
  • No annual or monthly fee on the base tierConditions apply
  • Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
  • Self-custody: funds stay in your own walletConditions apply
Get the card
Review & sourcesAvici Card vs ether.fi CashBitsa Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionAvici CardBitsa Card
Fees9782
Cashback & rewards00
Availability57100
FX & international6030
Product features8070
Custody & security7075
Credit & financing7530
Limits & ATM7875
Transparency86100
Best for Cashback3.94.0
Best for Travel6.55.6
Best for Self-Custody6.4n/a
Best for DeFi Users6.2n/a
Best for Stablecoins6.3n/a
Best for High Spenders4.73.6
Best for Low Fees8.37.0
Best for Beginners7.27.6
Best Crypto Credit Card6.8n/a
Best E-Money Cardn/a6.9

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveShow source

Card type

Crypto-backed creditConditions apply: tap or hover for detailsShow source

Secured credit card backed by your own deposit

Prepaid card, E-money cardShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges

CustodialConditions apply: tap or hover for detailsShow source

Crypto is converted to euros on top-up; the card spends an e-money balance

Card issuer / program manager

Third NationalConditions apply: tap or hover for detailsShow source

Card access provided by Avici Inc.

Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source

Tiers / plans

Platinum · SignatureShow source
Free · Move · ProShow source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Platinum; Signature costs $30 the first year, then $20/year

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €8.99/year, Pro €69.99/year

Monthly fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €0.99/month (€8.99/year), Pro €9.99/month (€69.99/year)

Physical card fee

$50Conditions apply: tap or hover for detailsShow source

Platinum; Signature $75

€20Show source

Virtual card fee

$15Conditions apply: tap or hover for detailsShow source

Platinum, first card; further cards $10

€2.50Show source

FX fee

1%Conditions apply: tap or hover for detailsShow source

Charged by Visa, no Avici markup; terms allow up to 3%

1.75%Conditions apply: tap or hover for detailsShow source

Non-euro SEPA-zone currencies; 2% in the rest of the world

Top-up fee

FreeShow source
1.5%Conditions apply: tap or hover for detailsShow source

External-card top-ups beyond the free ones (Free: 2 in total, Move: 3/month, Pro: 4/month); vouchers 0–6%

Crypto withdrawal fee

FreeConditions apply: tap or hover for detailsShow source

Withdrawal from card to wallet

No data yet

ATM fee

$1 + 0.65%Conditions apply: tap or hover for detailsShow source

Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each

€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source

Outside the euro area; euro area €2.50 per withdrawal, Spain: the ATM operator's fee is passed on

Transfer fee

No data yet
€1Conditions apply: tap or hover for detailsShow source

SEPA transfer on Free and Move; free on Pro

Small transaction fee

FreeConditions apply: tap or hover for detailsShow source

No transaction fees

No data yet

Other fees & markups

Dispute fee of $35 (USDC or USDT), non-refundable; only transactions over $30 can be disputed · Replacing a card (delete and create new) costs the same fees as a new cardConditions apply: tap or hover for detailsShow source

No extra charges for Apple Pay / Google Pay spending

Voucher top-up fee 0–6% · Transfers to another holder or institution €1.50 · Crypto top-ups limited to €20,000 per dayShow source

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

No cashback programme (owner research)

No data yet

Cashback type

NoneConditions apply: tap or hover for detailsShow source

No cashback programme (owner research); the site only lists Visa network benefits

NoneConditions apply: tap or hover for detailsShow source

Card payments earn no cashback; gift cards in the app up to 15%

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Secured by your own deposit

NoShow source

Credit type

Crypto-backed creditShow source
No data yet

Collateral assets

USDCShow source
No data yet

Max loan-to-value

100%Conditions apply: tap or hover for detailsShow source

Collateral market value in USD must equal each dollar charged; spending limit equals collateral value

No data yet

Interest (APR)

0%Conditions apply: tap or hover for detailsShow source

0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure

No data yet

Grace period

One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretionShow source
No data yet

Repayment

Automatic deduction from topped-up USDC balance; no billing cycle or manual repaymentShow source
No data yet

Liquidation risk

YesConditions apply: tap or hover for detailsShow source

Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges

No data yet

Availability

Available in

AG, Argentina, Australia, BS, BB, BD, BZ, BO, Brazil, KY, Colombia, CR, CI, DO, EC, EG, SV, GH, GD, GT, GY, HN, Hong Kong, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, South Africa, SR, Thailand, TT, TC, United Arab Emirates, UG, UY, ZM, United StatesConditions apply: tap or hover for detailsShow source

Explicit list of available regions. USA only in listed supported states (personal accounts: AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY). Page lists 'Dominica Republica' and 'Dominicana' (mapped to DO; Dominica DM ambiguous, left out). Jurisdictions not mentioned may still be restricted.

EEAConditions apply: tap or hover for detailsShow source

Residents of the EEA

Not available in

BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, VietnamConditions apply: tap or hover for detailsShow source

Card unavailable to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE

No data yet

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

Foreign-currency transactions are converted into USD

EURShow source

Own IBAN / bank details

No data yet
YesShow source

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Issuer may limit the number of physical cards

YesShow source

Virtual card

YesConditions apply: tap or hover for detailsShow source

Issuer may limit the number of virtual cards

YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

USDC deposit backs the USD credit balance

No data yet

Travel / rental car insurance

YesConditions apply: tap or hover for detailsShow source

Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover

No data yet

Spendable assets

USDCConditions apply: tap or hover for detailsShow source

Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive

No data yet

Blockchains

Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion

No data yet

Limits

ATM limit

$3,000Conditions apply: tap or hover for detailsShow source

Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day

€450Conditions apply: tap or hover for detailsShow source

Per day, withdrawals outside Spain

Spending limit

No data yet
€1,500Conditions apply: tap or hover for detailsShow source

Purchase limit on Free; Move €5,000, Pro €15,000

Security & custody

Regulation / licences

No data yet
Pecunpay: e-money institution supervised by the Bank of SpainShow source

Smart-contract risk

YesShow source
No data yet

Annual cost at 1,500 EUR/month

Avici Card

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • ATM costs−19 EUR
  • Cashback+0 EUR
  • Net annual value-55 EUR

Bitsa Card

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−19 EUR
  • Cashback+0 EUR
  • Net annual value-82 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Avici Card comparisons

More Bitsa Card comparisons