Image: Avici
Avici Card review: fees, cashback and limits
A secured Visa credit card where your USDC stays in an escrow only you can withdraw from.
Quick answer
Avici is a self-custody secured Visa credit card. You lock USDC in an onchain escrow you control and spend the same amount in USD. Avici adds no FX markup and no transaction fees, though Visa may charge 0.4% to 1% on non-USD purchases. The Platinum tier has no annual fee ($10 to $15 per virtual card, $50 physical). Signature costs $30 the first year, then $20, and adds travel perks and free ATM use. There's no ongoing cashback.
Avici at a glance
| Best for | People who want the lowest-cost self-custody card for everyday and travel spending. |
|---|---|
| Skip it if | You want cashback, or you live in the UK, most of Europe, Canada or India. |
| Network | Visa |
| Card issuer | Third National |
| Custody | Self-custody (USDC escrow that only your wallet can withdraw from) |
| Card type | Secured credit card |
| Virtual or physical | Virtual and physical |
| Cashback | No ongoing cashback |
| Annual fee | Platinum none. Signature $20 a year from the second year. |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | About 49 to 50 countries, including the US (not every state), Argentina, Australia, Brazil, Hong Kong, Japan, Mexico, Singapore, Thailand and the UAE. |
Avici fees
| Card cost | Platinum: $10 to $15 per virtual card, $50 physical. Signature: $30 virtual or $75 physical in year one. |
|---|---|
| Annual or membership fee | Platinum none. Signature $20 a year from the second year. |
| FX and cross-border | 0% Avici markup. Visa may charge 0.4% to 1% cross-border on non-USD spending. |
| Crypto conversion | No card transaction fee |
| ATM withdrawals | Platinum: $1 plus 0.65% per withdrawal. Signature: free. $250 a day, 3 withdrawals a day. |
| Other fees | Platinum ATM balance inquiry or decline: $0.60 |
| Physical card delivery: standard free (3 to 4 weeks), priority $15 US or $50 international |
Visa applies its own exchange rate on top of any card markup. Check the fee page in the Avici app for your country before you load money. To see what Avici would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Avici
These are Avici's own fees on the Platinum tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 1% is the same as the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 24 of them. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #8 of 20 in United States#9 of 27 in Latin America#8 of 24 in Asia-Pacific#6 of 16 in Middle East
Cashback and rewards
- Avici doesn't offer a standard cashback rate
- $5 welcome bonus
- Reviewers have noted limited-time category cashback offers, so check the app
| Tier | Price or requirement | Cashback | Notes |
|---|---|---|---|
| Platinum | No annual fee | None | $10 to $15 virtual, $50 physical, $1 + 0.65% ATM |
| Signature | $30 first year, then $20/year | None | Free ATM, lounge access and travel insurance |
Deposits and withdrawals
How to top up
- Deposit USDC into your escrow smart contract on Ethereum, Arbitrum, Optimism or Polygon
Fees: No top-up fee. Network fees apply.
How to withdraw
- Withdraw unspent USDC from escrow to your wallet at any time
- ATM cash withdrawals
Fees: No withdrawal-to-wallet fee. ATM free on Signature.
Supported assets: USDC on Ethereum, Arbitrum, Optimism and Polygon.
Where Avici works
About 49 to 50 countries, including the US (not every state), Argentina, Australia, Brazil, Hong Kong, Japan, Mexico, Singapore, Thailand and the UAE.
The UK, most of Europe, Canada, China and India are listed as restricted.
Limits and perks
Limits
- No provider-set daily spending limit. Your limit is your escrowed USDC.
- ATM: $250 a day, 3 withdrawals a day
Perks
- Signature: airport lounge access, travel and rental car insurance, purchase protection, emergency medical cover
Pros and cons
What's good
- No Avici FX markup or transaction fees
- Your USDC stays in an escrow only you can withdraw from
- No annual fee on Platinum
- Cheap Signature tier with travel perks and free ATM use
What's not
- No ongoing cashback
- Pay for each card ($10 to $75)
- Not available in the UK or most of Europe
- USDC only
- Hit by the August 2026 Rain contract exploit (users were repaid)
Our take on Avici
Avici works differently from most crypto cards. Instead of topping up a balance, you lock USDC in a smart contract escrow and get the same amount as USD credit on a Visa card. When you spend, Avici settles the matching USDC within a few days. Anything you haven't spent stays in the escrow, and only your wallet can take it out.
Fees are about as low as crypto cards get. Avici adds no FX markup and no per-transaction fee. Visa itself may charge 0.4% to 1% on non-USD purchases, but that applies to every Visa card. The Platinum tier has no annual fee, though you pay $10 to $15 per virtual card and $50 for a physical one.
Signature costs $30 in year one and $20 after that, and adds free ATM withdrawals, lounge access and travel insurance. For travellers, that's one of the cheapest premium tiers around.
The trade-off is rewards. There's no ongoing cashback, just a $5 welcome bonus and the odd promotion.
The low-fee pick for self-custody spending, especially on the cheap Signature tier. Choose it for costs and control, not cashback.
How we scored Avici: 6.5/10
MethodologyRecent Avici updates
All newsExploit in Rain's Solana card contracts hits Avici and Tria users
Attackers exploited an outdated version of card infrastructure provider Rain's Solana contracts. Avici reported about $500,000 taken from 1,685 card balances and Tria about $432,000 from 636. Both said affected users were repaid with an extra 10% credit.
Avici FAQ
How does the Avici card work?
You deposit USDC into an onchain escrow you control and get the same amount as USD credit on a Visa card. Spent amounts are settled from escrow within a few days.
Does Avici charge FX fees?
Avici adds no FX markup. Visa may charge 0.4% to 1% on non-USD purchases.
How much does Avici cost?
Platinum has no annual fee but charges $10 to $15 per virtual card and $50 for a physical card. Signature costs $30 the first year, then $20 a year.
Does Avici have cashback?
No ongoing cashback. New users get a $5 welcome bonus.
Sources
- Whale Alert: outdated Rain Solana card contract exploitExploit details, Aug 2026
- Tech Insider: Avici refunds 1,685 usersRefunds, 2026
- Avici fees and limitsOfficial fee schedule
- SpendNode: Avici reviewTiers, escrow model, countries, verified Oct 4, 2026
- DefiLlama card details: AviciFees, delivery, bonus, verified Aug 29, 2026
We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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