Avici Card
A self-custody Visa card. 2 plans, from free to $20 a year.
- Terms checked 27 Sep 2026
- Visa
- Credit
- Apple Pay and Google Pay
- Self-custody
- Travel insurance
All amounts in US dollars
−$1.25 a month
Real cashback rate −0.1%, on the Platinum plan
$0.00 cashback$1.25 card fees$0.00 FX and other fees
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Pick a plan
- Pays the most
Platinum
$15 one-time, no cashback
−$1.25 a month, −0.1%
Signature
$20 a year, no cashback
−$2.50 a month, −0.1%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | −0.5% | Platinum |
| $500 | −0.25% | Platinum |
| $750 | −0.17% | Platinum |
| $1,000 | −0.13% | Platinum |
| $1,500 | −0.08% | Platinum |
| $2,000 | −0.06% | Platinum |
| $2,500 | −0.05% | Platinum |
| $3,000 | −0.04% | Platinum |
| $4,000 | −0.03% | Platinum |
| $5,000 | −0.03% | Platinum |
| $6,000 | −0.02% | Platinum |
| $7,500 | −0.02% | Platinum |
| $10,000 | −0.01% | Platinum |
Every fee
- Yearly fee
- $20
- FX fee
- 1% on non-USD spend under both card terms (international terms: currently 1%, charged by Visa with no Avici markup, up to 3% allowed; cross-border fee currently 0%). The docs fee page shows a 0% Avici markup and says Visa may charge 0.4-1%
- Conversion fee
- $0 transaction fee. $35 non-refundable dispute fee, paid in USDC or USDT (disputes over $30 only)
- Topping up
- Top up with USDC into the card's escrow contract; other tokens are swapped to USDC automatically. No top-up or withdrawal-to-wallet fee. Minimum top-up $1
- ATM withdrawals
- Platinum: $1 + 0.65% per withdrawal, $0.60 balance inquiry and declined-withdrawal fees. Signature: $0 (docs fee page). The 1% FX fee also applies to non-USD withdrawals. Limits conflict between Avici pages: $1,000 per withdrawal and $3,000 a day on the fee page, $250 a day on the ordering page; 3 withdrawals a day on both
- Card issue
- Platinum: virtual $15 one-time for the first card ($10 for each further card), physical $50 one-time. Signature: virtual $30 for the first year then $20 a year, physical $75 then $20 a year from the second year. Paid in USDC when ordering, before identity verification
- Monthly fee
- $0
Our own test
We're testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the market rate. What this card actually charges will show here and in our Q4 report.
Where these numbers come from
Avici Card's published terms, checked 27 September 2026. Where sources disagree, we go with the less generous reading.
What's good and what to watch
Good
- Self-custodial design: card funds sit in an escrow contract owned by your wallet, and only your wallet can withdraw unspent funds
- Open in about 50 countries outside Europe, incl. Australia, New Zealand, Singapore and Japan, plus 31 US states
- Low entry cost: $15 one-time for a virtual Platinum card, no monthly or annual fee
- No transaction, top-up or withdrawal-to-wallet fees
Watch
- No cashback on spend
- 1% FX fee on non-USD spend under the card terms, although the docs fee page shows a 0% markup
- Card fee is charged before identity verification
- 28 Aug 2026: a flaw in an outdated Rain Solana card contract drained $500,859 from the card balances of 1,685 Avici users; Avici refunded them in full plus 10%
- Not available in the UK, the EU or Canada
- Refunds to the card can only be spent, not withdrawn to the wallet
At a glance
- Network
- Visa
- Custody
- self-custodial
- Card type
- credit
- Form
- Physical & virtual
- Mobile wallets
- ✓ Apple Pay✓ Google Pay
- Chains
- SolanaEthereumPolygonArbitrumOptimism
- Tokens
- USDC
- Availability
- United States: 31 states (not Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Vermont, Washington, Wisconsin or DC), Asia-Pacific: Australia, Bangladesh, Hong Kong, Japan, Malaysia, New Zealand, Pakistan, Philippines, Singapore, Thailand, Latin America and the Caribbean: 29 countries incl. Argentina, Brazil, Colombia, Mexico, Peru and Uruguay, Africa and the Middle East: Cote d'Ivoire, Egypt, Ghana, Kenya, Morocco, Senegal, South Africa, Uganda, Zambia, United Arab Emirates, Not available in the UK, the EU or Canada
- Not offered in
- Indonesia, Israel, Nigeria, South Korea, Taiwan, Turkey and Vietnam
- KYC
- Sumsub identity verification (about 2 minutes), done after ordering and paying for the card
- Funding
- USDC (other tokens swapped to USDC automatically)
- Spending limit
- No preset purchase limit; spending is limited to the USDC balance in the card contract. Limits can be set per card in the app
- ATM limit
- 3 withdrawals a day; daily limit $3,000 on the fee page, $250 on the ordering page
Perks and benefits
- Lounge accessSignature only: pay-per-visit lounge entry through Visa Airport Companion; no free visits included
- Travel insuranceSignature only: Visa Signature benefits listed by Avici (travel insurance, auto rental insurance, emergency medical cover abroad); they vary by region
- Purchase protectionSignature only: Visa Signature purchase protection as listed by Avici; varies by region
- Offers & creditsNo cashback on card spend. Occasional Avici cashback campaigns (for example 20% on a Porsche purchase, capped at $10). $5 welcome bonus after verification ($8 when referred)
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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.
Affiliate link: we may earn a commission if you sign up.