Avici Card vs ether.fi Cash
Crypto native
Crypto native
Verdict
- Avici Card scores higher overall (7.2 vs 5.8 out of 10).
- Avici Card is clearly stronger on: Availability, FX & international.
- ether.fi Cash is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Avici Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
Stronger on: Availability, FX & international
ether.fi Cash is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
- Everyday spenders who want cashback
Stronger on: Custody & security
Score by criterion
| Criterion | Avici Card | ether.fi Cash |
|---|---|---|
| Fees | 96 | – |
| Cashback & rewards | – | 59 |
| Availability | 100 | 20 |
| FX & international | 60 | 40 |
| Product features | – | 100 |
| Custody & security | 70 | 80 |
| Credit & financing | 70 | 75 |
| Limits & ATM | – | 60 |
| Transparency | 79 | 79 |
| Best for Cashback | n/a | 5.7 |
| Best for Travel | 6.7 | 5.2 |
| Best for Self-Custody | 6.8 | 7.0 |
| Best for DeFi Users | 6.8 | 7.1 |
| Best for High Spenders | n/a | 6.0 |
| Best for Low Fees | 7.8 | 5.3 |
| Best for Beginners | 7.5 | 6.8 |
| Best Crypto Credit Card | 7.2 | 7.0 |
Product
Product status
ActiveShow source
Product status: Active
Source: Secured Credit Cards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source states (paraphrased): Help center describes current personal and corporate Cash cards.
Source: What are the benefits of a personal Cash credit card?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Secured credit card backed by your own deposit
Source: Secured Credit Cards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Secured credit card backed by your own deposit
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Marketed as a credit card; Direct Pay mode spends your own balance
Source states (paraphrased): Help center: Borrow Mode borrows against your assets, Direct Pay Mode spends them.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Marketed as a credit card; Direct Pay mode spends your own balance
Network
VisaShow source
Network: Visa
Source states (paraphrased): Works anywhere a Visa international card is accepted.
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custody*Show source
Custody model: Self-custody
Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges
Self-custody*Show source
Custody model: Self-custody
Account is non-custodial; the card itself is issued by a third-party issuer under separate terms
Source states (paraphrased): Personal account page: fully non-custodial, you retain full ownership and control of your funds; card issued subject to separate issuer terms.
Source: Personal Account
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Account is non-custodial; the card itself is issued by a third-party issuer under separate terms
Tiers / plans
Platinum · SignatureShow source
Tiers / plans: Platinum · Signature
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Core · Luxe · Pinnacle · VIPShow source
Tiers / plans: Core · Luxe · Pinnacle · VIP
Source states (paraphrased): Membership level benefits table lists Core, Luxe, Pinnacle and VIP.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Annual fee
Free*Show source
Annual fee: Free
Platinum; Signature costs $30 the first year, then $20/year
Source states (paraphrased): Platinum: one-time fee, no recurring charges. Signature: $30 first year, then $20 annually.
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Platinum; Signature costs $30 the first year, then $20/year
Physical card fee
$50*Show source
Physical card fee: $50
Platinum; Signature $75
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Platinum; Signature $75
$50*Show source
Physical card fee: $50
Core tier, after the tier's free-card allowance; $100 Luxe/Pinnacle, $0 VIP; may vary by region
Source states (paraphrased): Physical card fees: $50 Core, $100 Luxe and Pinnacle, $0 VIP, after free allowance.
Source: What are the benefits of a personal Cash credit card?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Core tier, after the tier's free-card allowance; $100 Luxe/Pinnacle, $0 VIP; may vary by region
Virtual card fee
$15*Show source
Virtual card fee: $15
Platinum, first card; further cards $10
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Platinum, first card; further cards $10
$10*Show source
Virtual card fee: $10
After the tier's free-card allowance; $0 for VIP
Source states (paraphrased): Virtual card fees: $10 Core, Luxe and Pinnacle; $0 VIP.
Source: What are the benefits of a personal Cash credit card?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After the tier's free-card allowance; $0 for VIP
FX fee
1%*Show source
FX fee: 1%
Charged by Visa, no Avici markup; terms allow up to 3%
Source states (paraphrased): Foreign Exchange Fee (non USD): up to 3%, currently 1% (charged by Visa, no markup from Avici).
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Charged by Visa, no Avici markup; terms allow up to 3%
1.5%*Show source
FX fee: 1.5%
Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)
Source states (paraphrased): Cardholder agreement: 1% base plus up to 50 bps for Core and up to 25 bps for Luxe.
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 65%
Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)
ATM fee
2%Show source
ATM fee: 2%
Source states (paraphrased): Campaign page lists a 2% ATM fee for all tiers.
Source: The DeFi-Native Crypto Credit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Small transaction fee
Free*Show source
Small transaction fee: Free
No transaction fees
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No transaction fees
Cashback & rewards
Base cashback
3%*Show source
Base cashback: 3%
Core membership, on the first $2,000 of card spend per month
Source states (paraphrased): Core: 3% on the first $2,000 of monthly card spend.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Core membership, on the first $2,000 of card spend per month
Max cashback
4%*Show source
Max cashback: 4%
VIP membership, on the first $50,000 of card spend per month
Source states (paraphrased): VIP: 4% on the first $50,000 of monthly card spend.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
VIP membership, on the first $50,000 of card spend per month
Cashback paid in
ETHFIShow source
Cashback paid in: ETHFI
Source states (paraphrased): Cashback is converted to ETHFI at the current price.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: How does cashback work?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback-eligible spend cap
$2,000/month*Show source
Cashback-eligible spend cap: $2,000/month
Core; Luxe $10,000, Pinnacle/VIP $50,000 per month
Source states (paraphrased): Monthly spend caps per tier: $2,000 / $10,000 / $50,000 / $50,000.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Core; Luxe $10,000, Pinnacle/VIP $50,000 per month
Cashback conditions
Minimum $5 of cashback required to claim · Spend tiers reset at the start of every monthShow source
Cashback conditions: Minimum $5 of cashback required to claim · Spend tiers reset at the start of every month
Source states (paraphrased): Cashback article: $5 minimum to claim; spend tiers reset monthly.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Reward expiry / vesting
Converted to ETHFI at settlement, locked for 7 days, then must be claimedShow source
Reward expiry / vesting: Converted to ETHFI at settlement, locked for 7 days, then must be claimed
Source states (paraphrased): Cashback enters a 7-day lock period and must be claimed to reach your balance.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Secured by your own deposit
Source: Secured Credit Cards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Secured by your own deposit
Yes*Show source
Credit line: Yes
Borrow Mode
Source states (paraphrased): Borrow Mode purchases borrow against your assets instead of selling them.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Borrow Mode
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source: Secured Credit Cards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): Spending in Borrow Mode is capped at the available LTV of deposited collateral.
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Interest notes
Variable rate set by the underlying lending market for each asset; ether.fi does not set the rate.Show source
Interest notes: Variable rate set by the underlying lending market for each asset; ether.fi does not set the rate.
Source states (paraphrased): Terms of use: ether.fi does not set your interest rate; help center: variable APY from the lending market.
Source: Terms of Use
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Liquidation risk
YesShow source
Liquidation risk: Yes
Source states (paraphrased): Help center lists per-asset liquidation thresholds.
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): Direct Pay Mode spends your balance.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend by borrowing against collateral
YesShow source
Spend by borrowing against collateral: Yes
Source states (paraphrased): Borrow Mode borrows against your collateral.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
Global*Show source
Available in: Global
Except prohibited regions; US only in supported states
Source: Regions and Prohibitions for Avici Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Except prohibited regions; US only in supported states
United Kingdom, Canada, Australia, Singapore, United Arab Emirates, United States*Show source
Available in: United Kingdom, Canada, Australia, Singapore, United Arab Emirates, United States
Plus most EU countries; US only in selected states; physical cards not shipped to every eligible region
Source states (paraphrased): Country list covers the UK, Canada, Australia, Singapore, UAE, most of the EU and 30+ US states.
Source: In which countries is the Cash card available?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Plus most EU countries; US only in selected states; physical cards not shipped to every eligible region
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, LK, SY, Turkey, Ukraine, VE, VietnamShow source
Not available in: BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, LK, SY, Turkey, Ukraine, VE, Vietnam
Source: Regions and Prohibitions for Avici Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
Only where Apple Pay is supported
Source states (paraphrased): Help article explains adding the card to Apple Wallet and Google Pay.
Source: How do I add my card to Apple Wallet or Google Pay?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Only where Apple Pay is supported
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Help article explains adding the card to Google Pay.
Source: How do I add my card to Apple Wallet or Google Pay?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card
Yes*Show source
Physical card: Yes
Not shipped to every eligible region
Source states (paraphrased): Available as both a virtual and physical card.
Source: What is ether.fi Cash?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not shipped to every eligible region
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Available as both a virtual and physical card.
Source: What is ether.fi Cash?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Security & custody
Smart-contract risk
YesShow source
Smart-contract risk: Yes
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Avici Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
ether.fi Cash
- Annual & monthly feesunknown
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+540 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers