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Avici Card vs CoinZoom Visa Card

Avici Card

Crypto native

6.1
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CoinZoom Visa Card

Crypto native

6.3
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Verdict

  • CoinZoom Visa Card scores higher overall (6.3 vs 6.1 out of 10).
  • Avici Card is clearly stronger on: Fees, Product features, Credit & financing.
  • CoinZoom Visa Card is clearly stronger on: Cashback & rewards, FX & international, Limits & ATM.
  • For 1,500 EUR/month of spend, CoinZoom Visa Card comes out about 145 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, Product features, Credit & financing

CoinZoom Visa Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Cashback & rewards, FX & international, Limits & ATM

★ 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
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Review & sourcesAvici Card vs ether.fi CashCoinZoom Visa Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionAvici CardCoinZoom Visa Card
Fees9782
Cashback & rewards018
Availability57–
FX & international60100
Product features8070
Custody & security7075
Credit & financing7530
Limits & ATM78100
Transparency8693
Best for Cashback3.94.8
Best for Travel6.58.1
Best for Self-Custody6.4n/a
Best for DeFi Users6.26.0
Best for Stablecoins6.37.2
Best for High Spenders4.75.6
Best for Low Fees8.39.1
Best for Beginners7.26.9
Best Crypto Credit Card6.8n/a

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

Debit 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

Spends assets held in the CoinZoom wallet

Card issuer / program manager

Third NationalConditions apply: tap or hover for detailsShow source

Card access provided by Avici Inc.

No data yet

Tiers / plans

Platinum · SignatureShow source
Non-Prime · Silver · Gold · Diamond · BlackConditions apply: tap or hover for detailsShow source

Black (labelled "Most rewards") is listed right after Diamond (quote kept under ~200 characters). Tiers unlocked by ZOOM holdings; Prime membership starts at 10,000 ZOOM. Per-tier details (reward rates, ZOOM amounts) are not in the page text ("Loading tier data")

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

On every tier

Physical card fee

$50Conditions apply: tap or hover for detailsShow source

Platinum; Signature $75

$5Conditions apply: tap or hover for detailsShow source

Standard shipping for Non-Prime ($12 expedited); free from Silver

Virtual card fee

$15Conditions apply: tap or hover for detailsShow source

Platinum, first card; further cards $10

FreeShow source

Replacement fee

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

Card replacement listed as free under CoinZoom Visa Card fees

FX fee

1%Conditions apply: tap or hover for detailsShow source

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

0%Conditions apply: tap or hover for detailsShow source

Network conversion rates may apply

Crypto conversion fee

No data yet
1.49%Conditions apply: tap or hover for detailsShow source

Crypto liquidation when spending crypto

Top-up fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

ACH and RTP free; debit/credit card and Apple/Google Pay deposits 3.99%; wire $12

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

FreeConditions apply: tap or hover for detailsShow source

No CoinZoom fee, domestic and international; ATM operators may charge

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

Virtual card reissuance 1,000 ZOOM · Chargebacks $100 · Card declined (insufficient funds) $0.50Conditions apply: tap or hover for detailsShow source

Listed under CoinZoom Visa Card fees

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

No cashback programme (owner research)

0.5%Conditions apply: tap or hover for detailsShow source

Non-Prime, no ZOOM required

Max cashback

No data yet
5%Conditions apply: tap or hover for detailsShow source

Black tier: hold 300,000 ZOOM

Cashback paid in

No data yet
ZOOMShow source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

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

Platform tokenShow source

Cashback conditions

No data yet
Higher reward tiers (CoinZoom Prime) require holding at least 10,000 ZOOM; higher tiers need larger ZOOM holdings, with no annual resetConditions apply: tap or hover for detailsShow source

Page example: spending $500 a month for a year earns $120 in free crypto on a Gold Card and $300 on a Black card

Staking / holding required for top rewards

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

Holding ZOOM, no lock-up

Staking asset

No data yet
ZOOMShow source

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

Spend own balance directly

No data yet
YesShow source

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.

No data yet

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

USDConditions apply: tap or hover for detailsShow source

Crypto converted to USD at the point of sale

Features

Apple Pay

YesShow source
No data yet

Google Pay

YesShow source
No data yet

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

YesShow source

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

$200Conditions apply: tap or hover for detailsShow source

Per day, Non-Prime

Spending limit

No data yet
$200Conditions apply: tap or hover for detailsShow source

Daily POS limit, Non-Prime; Silver $250, Gold $2,500, Diamond $500, Black $250 (as stated on page)

Security & custody

Regulation / licences

No data yet
FinCEN MSB · Licensed money transmitter in applicable jurisdictionsConditions apply: tap or hover for detailsShow source

Stated for CoinZoom, Inc. in the page footer

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

CoinZoom Visa Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 EUR

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

More Avici Card comparisons

More CoinZoom Visa Card comparisons