Yearly cost at three spending levels
| Monthly spend | Avici | CL Card |
|---|---|---|
| $500 | $39.60 Platinum | $142.12 Standard |
| $2,000 | $75.60 Platinum | $322.12 Standard |
| $5,000 | $147.60 Platinum | $682.12 Standard |
Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Avici Platinum | CL Card Standard |
|---|---|---|
| Top-up and conversion fees | $0 | $528 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $48 | $0 |
| ATM fees | $27.60 | $34.12 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$0 | -$240 |
| Yearly cost | $75.60 | $322.12 |
Fees
Avici charges 0% to convert or top up and 1% on spending in a foreign currency. CL Card charges 2% and 0%.
The conversion fee applies to every dollar you load, so Avici's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $20.
ATM withdrawals: Avici 0.65% + $1; CL Card €2.50.
A virtual card costs $15 with Avici and nothing with CL Card. A physical card costs $50 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Avici cashback: None. CL Card cashback: 1% to 2%.
Avici tiers: Platinum: 0%; Signature ($20 a year after year one): 0%.
CL Card tiers: Standard: 1%; BXX rewards: 2%.
Avici: No card cashback is published. Signature adds Visa Signature benefits (lounge access via Visa Airport Companion, rental car cover, purchase protection, travel insurance) but no free lounge visits yet. New users get a $5 welcome bonus ($8 through a referral). Referrers earn 2% of a friend's card spend for the friend's first 90 days.
CL Card: Ledger's page says "1% cashback in BTC, USDC, or USDT" (BTC or USDC in the US, BTC or USDT elsewhere), claimed from the Loyalty program page. CL's own FAQ also offers 2% if you take the reward in Baanx's BXX token. Spending funded by the Cryptodraft credit line earns nothing. No spend or reward cap is published.
Availability and KYC
Avici is offered in 49 countries, including Argentina, Australia, Brazil, Malaysia, Mexico, Philippines, Singapore, South Africa, Thailand and United Arab Emirates. Avici lists these regions for the card. In the US it is open in 31 states only (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). The list has "Dominica Republica" and "Dominicana", read here as the Dominican Republic. Residents of Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Sri Lanka, Syria, Turkey, Ukraine, Venezuela and Vietnam are barred, and Avici says unlisted places may also be restricted. The card cannot be used in Cuba, Iran, North Korea, Russia, Syria, Ukraine or Venezuela. The card terms page also says "Non-US citizens only", which conflicts with the US state list.
CL Card is offered in 37 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, United States and Canada. Ledger says "The CL Card is currently available in the EEA, the UK, the US, Canada, Switzerland, Colombia, Mexico, and Brazil." This file uses the EU fee schedule. You do not need a Ledger device to get the card.
Avici needs full KYC and CL Card needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Avici does not publish fixed spending or ATM limits.
CL Card does not publish fixed spending or ATM limits.
Avici works with Apple Pay and Google Pay, and CL Card works with Apple Pay and Google Pay. Avici and CL Card issue a virtual card you can use straight away.
Custody and safety
Avici scores 67/100. Licensing: holds a licence or registration outside the tier-one list (Issuer Third National (Nimbus LLC dba Third National) is a licensed money transmitter in Puerto Rico, NMLS #2612780, licence TM-0207). The card is issued through Third National. 2026-08-28: An attacker exploited an outdated Rain card-collateral contract and drained about $500,859 from the card balances of 1,685 Avici users (about $1.1 million across several programs). Self-custodial wallets were not affected. Avici and Rain committed to refund every user in full and Rain upgraded the affected deployments. Avici filed an FBI IC3 report. Avici Inc is a Delaware company with a named San Francisco address and published terms, privacy policy and docs, and the app has been on the iOS App Store since 2023 (app id 6465962039). The card holds no user funds in Avici's own accounts, but card balances sit in a Rain contract that was exploited in August 2026. Card spend is settled with Visa roughly weekly by liquidating the spent USDC.
CL Card scores 64/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through UAB Monavate. No incidents or enforcement actions found in the last 36 months. Only money loaded to the card as e-money is safeguarded under e-money rules. Crypto deposited to the CL platform becomes Baanx's property, and Baanx's terms warn that "in the event that any of Us becomes insolvent ... You may not be able to have the full value of Your deposits restored". Baanx describes its crypto services as "not regulated financial services". We could not find a published proof-of-reserves report. We found no official enforcement actions against the card providers. Ledger's own past security incidents are not listed, because Ledger does not provide or hold funds for the card.
Full reports: Avici safety check and CL Card safety check.
About each card
Avici Card is a self-custody Visa card from Avici Inc. It tops up with USDC.
Ledger CL Card (Europe) is a custodial Visa card from Baanx (CL Card), card account by UAB Monavate. It tops up with BTC, ETH, USDT, USDC, LTC, XRP and SOL and its balance is held in EUR.
Which card fits you
Avici fits if
- You want to keep crypto in your own wallet until each payment.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
CL Card fits if
- You spend in foreign currencies often, since its FX markup is lower.
- You want a higher cashback ceiling (up to 2%).
Read more: Avici fees and details · CL Card fees and details