Suits crypto holders in Avici’s supported countries and US states who want a self-custody card that acts like a secured credit card. Skip it if you live in the UK or EEA, or if cashback matters to you.
Score breakdown
How we read the terms: Entry card is the virtual Platinum: $15 one-time for the first card and no recurring charge. FX is not scored: Avici’s fee page says 0% markup (Visa may add 0.4–1%), while its US card terms list a 1% international transaction fee. Avici publishes no cashback rate.
Not rated yet: verified criteria cover 30% of the weight, and we need 70% to give an overall score. How scores are calculated.
Pros
- Self-custody: collateral sits in an escrow contract your wallet owns
- No top-up fee, and 0% interest under the card terms
- Virtual and physical cards, with Apple Pay and Google Pay
- Signature card adds Visa Signature benefits and fee-free ATM withdrawals
Cons
- Card fees: $15 one-time for virtual Platinum, $50 for physical
- No published cashback programme
- Avici’s fee page and US terms disagree on foreign transaction fees
- Not offered in the UK or EEA
Overview
Avici Card is a secured Visa credit card issued by Third National. You deposit USDC (other tokens are swapped automatically) into an escrow smart contract owned by your wallet, and Avici creates a matching USD credit balance on the card.
There are two cards. Platinum has no recurring fee. Signature costs $30 in its first year (virtual) or $75 (physical), then $20 a year, and adds Visa Signature benefits and $0 ATM fees.
Secured credit: you deposit USDC (other tokens are auto-swapped) into an escrow smart contract you own; Avici creates an equal USD credit balance on the card and periodically liquidates the spent USDC to settle with Visa. No billing cycle or manual repayment; 0% interest.source
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Planssource
| Plan | Monthly fee | Cashback | Notes |
|---|---|---|---|
| Platinum | $0 (one-time $15 virtual / $50 physical) | Not verified | Basic card, 'no special benefits'; ATM $1 + 0.65% |
| Signature | $30 first year then $20/year (virtual); $75 then $20/year (physical) | Not verified | Visa Signature benefits; $0 ATM fee; no free lounge visits from issuer |
Region: global.
Fees and limits
- Card issuance (global)
- Virtual Platinum $15 (first card; $10 for subsequent); virtual Signature $30 first year; physical Platinum $50; physical Signature $75source
- Monthly fee (global)
- $0; Signature $20/year from the second yearsource
- FX fee (US)
- Not verified
- Top-up (global)
- $0source
- Free ATM per month (global)
- None on Platinum ($1 + 0.65% per withdrawal); Signature $0 ATM feesource
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
We can’t do the maths yet: the entry-tier cashback or one of the fees is not verified.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | With restrictions | “USA* ... *Please check Non-Supported US States list.”source Personal cards are offered in 31 listed US states, including California, Florida, New York and Texas. |
| UK | Not available | the Available Regions list does not include the UK; 'jurisdictions not mentioned above may still be restricted or unsupported.' (paraphrased)source The UK is not on Avici’s list of supported countries. |
| EEA | Not available | no EEA country appears in the Available Regions list; unlisted jurisdictions 'may still be restricted or unsupported.' (paraphrased)source No EEA country is on Avici’s list of supported countries. |
By country
Other regions listed by the issuer: USA (selected states), Argentina, Australia, Brazil, Colombia, Hong Kong, Japan, Mexico, New Zealand, Singapore, South Africa, UAE, Thailand, Philippines, other listed Latin American, African and Asian countries, Excluded: Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnamsource. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Open the Avici appCreate your Avici smart wallet.
- 2Verify your profileComplete KYC with an ID document.
- 3Buy a cardChoose Platinum or Signature, virtual or physical, and pay the card fee.
- 4Top up and spendTop up the card with USDC or any token, then add it to Apple Pay or Google Pay.
Avici Card: common questions
Is the Avici Card a credit card?
Yes, a secured one. Your USDC collateral in an escrow contract sets your spending limit, there’s no billing cycle, and spent USDC is deducted automatically.
How much does the Avici Card cost?
A virtual Platinum card costs $15 one-time ($10 for extra cards) and a physical Platinum $50, with no recurring charge. Signature costs $30 (virtual) or $75 (physical) up front, then $20 a year.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.