Avici Card vs XPlace Card
Crypto native
Crypto native
Verdict
- XPlace Card scores higher overall (6.6 vs 6.1 out of 10).
- Avici Card is clearly stronger on: Product features.
- XPlace Card is clearly stronger on: Cashback & rewards, Custody & security, Transparency.
- 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
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Product features
XPlace 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: Cashback & rewards, Custody & security, Transparency
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
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
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Avici Card | XPlace Card |
|---|---|---|
| Fees | 97 | 100 |
| Cashback & rewards | 0 | 36 |
| Availability | 57 | – |
| FX & international | 60 | – |
| Product features | 80 | 70 |
| Custody & security | 70 | 80 |
| Credit & financing | 75 | 75 |
| Limits & ATM | 78 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 3.9 | 5.6 |
| Best for Travel | 6.5 | n/a |
| Best for Self-Custody | 6.4 | 7.3 |
| Best for DeFi Users | 6.2 | 7.2 |
| Best for Stablecoins | 6.3 | 7.1 |
| Best for High Spenders | 4.7 | 5.8 |
| Best for Low Fees | 8.3 | 8.0 |
| Best for Beginners | 7.2 | 7.7 |
| Best Crypto Credit Card | 6.8 | 7.6 |
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
ActiveConditions apply: tap or hover for detailsShow source
Silver physical cards live; Gold and Platinum physical cards coming soon
Card type
Crypto-backed creditConditions apply: tap or hover for detailsShow source
Secured credit card backed by your own deposit
Debit card, Crypto-backed creditShow 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
Self-custodyShow source
Card issuer / program manager
Third NationalConditions apply: tap or hover for detailsShow source
Card access provided by Avici Inc.
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source
Tiers / plans
Platinum · SignatureShow source
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show 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
Basic plan; Silver $99, Gold $249, Platinum $999 a year
Physical card fee
$50Conditions apply: tap or hover for detailsShow source
Platinum; Signature $75
Virtual card fee
$15Conditions apply: tap or hover for detailsShow source
Platinum, first card; further cards $10
FX fee
1%Conditions apply: tap or hover for detailsShow source
Charged by Visa, no Avici markup; terms allow up to 3%
Top-up fee
FreeShow source
Crypto withdrawal fee
FreeConditions apply: tap or hover for detailsShow source
Withdrawal from card to wallet
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
Small transaction fee
FreeConditions apply: tap or hover for detailsShow source
No transaction fees
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
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
Basic plan, Credit Mode
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Platinum plan ($999/year), Credit Mode
Cashback paid in
USDCShow source
Cashback type
NoneConditions apply: tap or hover for detailsShow source
No cashback programme (owner research); the site only lists Visa network benefits
StablecoinShow source
Interest on balance
6.15%Conditions apply: tap or hover for detailsShow source
Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)
Cashback conditions
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Secured by your own deposit
YesShow source
Credit type
Crypto-backed creditShow source
Crypto-backed creditShow source
Collateral assets
USDCShow source
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source
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
80%Conditions apply: tap or hover for detailsShow source
Tether vault; SOL and BTC 65%, ETH 70%
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
Grace period
One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretionShow source
Repayment
Automatic deduction from topped-up USDC balance; no billing cycle or manual repaymentShow source
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
YesShow source
Spend own balance directly
YesShow source
Spend by borrowing against collateral
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.
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
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Foreign-currency transactions are converted into USD
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
YesConditions apply: tap or hover for detailsShow source
Silver plan; Gold and Platinum coming soon
Virtual card
YesConditions apply: tap or hover for detailsShow source
Issuer may limit the number of virtual cards
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC deposit backs the USD credit balance
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover
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
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source
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
SolanaShow source
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
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per month, Basic plan; up to $750,000 on Platinum
Security & custody
Smart-contract risk
YesShow source
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
XPlace Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers