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Avici Card vs Gemini Credit Card

Avici Card

Crypto native

6.1
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Gemini Credit Card

Crypto native

6.0
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Verdict

  • Avici Card scores higher overall (6.1 vs 6.0 out of 10).
  • Avici Card is clearly stronger on: Availability, Product features, Limits & ATM.
  • Gemini Credit Card is clearly stronger on: Cashback & rewards, FX & international, Transparency.
  • For 1,500 EUR/month of spend, Avici Card comes out about 21 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: Availability, Product features, Limits & ATM

Gemini Credit Card is a good fit for

  • Users who need credit rather than a debit/prepaid card
  • Frequent travellers

Stronger on: Cashback & rewards, FX & international, 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 CashGemini Credit Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionAvici CardGemini Credit Card
Fees97100
Cashback & rewards030
Availability573
FX & international60100
Product features8070
Custody & security7075
Credit & financing7570
Limits & ATM7811
Transparency86100
Best for Cashback3.94.8
Best for Travel6.56.7
Best for Self-Custody6.4n/a
Best for DeFi Users6.27.1
Best for Stablecoins6.3n/a
Best for High Spenders4.75.9
Best for Low Fees8.38.7
Best for Beginners7.26.8
Best Crypto Credit Card6.87.2

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

Credit cardShow source

Network

VisaShow source
MastercardConditions apply: tap or hover for detailsShow source

Mastercard World Elite

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 rewards are deposited into the Gemini account

Card issuer / program manager

Third NationalConditions apply: tap or hover for detailsShow source

Card access provided by Avici Inc.

WebBankShow source

Tiers / plans

Platinum · SignatureShow source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

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

FreeShow source

Physical card fee

$50Conditions apply: tap or hover for detailsShow source

Platinum; Signature $75

No data yet

Virtual card fee

$15Conditions apply: tap or hover for detailsShow source

Platinum, first card; further cards $10

No data yet

FX fee

1%Conditions apply: tap or hover for detailsShow source

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

0%Show source

Top-up fee

FreeShow source
No data yet

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

3% (min. $10)Conditions apply: tap or hover for detailsShow source

Cash advance: $10 or 3%, whichever is greater; cash advance APR 29.74% from the transaction date

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

Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

No cashback programme (owner research)

1%Conditions apply: tap or hover for detailsShow source

Everything else; 2% groceries, 3% dining

Max cashback

No data yet
4%Conditions apply: tap or hover for detailsShow source

Gas, EV charging and transit, on up to $300 spend a month (then 1%)

Cashback paid in

No data yet
Eligible digital asset selected by the cardholder; bitcoin by defaultConditions apply: tap or hover for detailsShow source

Cardholder picks from Gemini's list of eligible digital assets and can change the election at any time

Cashback type

NoneConditions apply: tap or hover for detailsShow source

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

CryptoShow source

Cashback-eligible spend cap

No data yet
$300/monthConditions apply: tap or hover for detailsShow source

Per month, applies to the 4% gas/EV/transit category only (then 1%); spend cycle refreshes on the 1st of each calendar month

Cashback conditions

No data yet
4% only on the first $300 of gas/EV/transit spend each month, then 1% · 3% dining, 2% groceries, 1% everything else · Spend cycle refreshes on the 1st of each calendar month · Rewards are deposited when the transaction posts; some exclusions apply to instant rewards · 10% Vault Rewards at selected merchants on a limited monthly spend that varies by merchant offerShow source

Reward exclusions

No data yet
ATM transactions · Card account fees · Interest charges · Cash advances · Gift cards, prepaid debit cards, traveler's checks, precious metals, casino chips, cryptocurrency, lottery tickets and other cash equivalents · Balance transfers · Credit card convenience checks · Reloading prepaid cards · Gaming-related transactionsConditions apply: tap or hover for detailsShow source

Full list in the Qualifying Purchase Transaction definition; Gemini Constellation may add exclusions at any time

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Secured by your own deposit

YesConditions apply: tap or hover for detailsShow source

Subject to credit approval

Credit type

Crypto-backed creditShow source
Revolving creditShow source

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

16.74%Conditions apply: tap or hover for detailsShow source

16.74% to 34.74% variable purchase APR based on creditworthiness (Prime Rate 7.00% on 25 Sep 2026)

Grace period

One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretionShow source
Payment due at least 25 days after each billing cycle closes; no interest on purchases when the full balance is paid by the due dateShow source

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.

United StatesConditions apply: tap or hover for detailsShow source

US residents only, at application and while the account is open

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

No data yet

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
No data yet

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

No data yet

Security & custody

Regulation / licences

No data yet
Gemini Trust Company, LLC NMLS #1518126 · Gemini Moonbase, LLC NMLS #2403509Conditions apply: tap or hover for detailsShow source

Entities offering the rewards program; card issued by WebBank

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

Gemini Credit Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−107 EUR
  • Cashback+32 EUR
  • Net annual value-75 EUR

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

More Avici Card comparisons

More Gemini Credit Card comparisons