Yearly cost at three spending levels
| Monthly spend | ether.fi Cash | Avici |
|---|---|---|
| $500 | ≥ -$162 Core | $39.60 Platinum |
| $2,000 | ≥ -$648 Core | $75.60 Platinum |
| $5,000 | ≥ -$540 Core | $147.60 Platinum |
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 | ether.fi Cash Core | Avici Platinum |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | Not disclosed | $0 |
| Foreign exchange markup | $72 | $48 |
| ATM fees | Not disclosed | $27.60 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$720 | -$0 |
| Yearly cost | -$648 | $75.60 |
Fees
ether.fi Cash charges Not disclosed to convert or top up and 1.5% on spending in a foreign currency. Avici charges 0% and 1%.
ATM withdrawals: ether.fi Cash not disclosed; Avici 0.65% + $1.
A virtual card costs nothing with ether.fi Cash and $15 with Avici. A physical card costs an undisclosed fee and $50. Neither card has an annual fee on its base tier.
Cashback and rewards
ether.fi Cash cashback: 3% to 4%. Avici cashback: None.
ether.fi Cash tiers: Core: 3% on the first $2,000 a month; Luxe: 3% on the first $10,000 a month; Pinnacle: 3% on the first $50,000 a month; VIP: 4% on the first $50,000 a month.
Avici tiers: Platinum: 0%; Signature ($20 a year after year one): 0%.
ether.fi Cash: Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.
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.
Availability and KYC
ether.fi Cash is offered in 91 countries, including Argentina, Australia, Brazil, Canada, France, Germany, Indonesia, Italy, Malaysia and Mexico. ether.fi lists these jurisdictions. In the US the card is available in 31 states and Washington D.C. only. Belgium and Ireland are eligible, but physical cards are not delivered there. In some countries (including Argentina, Indonesia, Mexico, Nigeria and the Philippines) the first virtual card costs $10.
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.
ether.fi Cash needs full KYC and Avici needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
ether.fi Cash publishes ATM withdrawals of up to $5,000 a day.
Avici does not publish fixed spending or ATM limits.
ether.fi Cash works with Apple Pay and Google Pay, and Avici works with Apple Pay and Google Pay. Avici issues a virtual card you can use straight away.
Custody and safety
ether.fi Cash scores 60/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. ether.fi describes Cash as a non-custodial account. The ATM fee on Core is not published as a fixed figure.
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.
Full reports: ether.fi Cash safety check and Avici safety check.
About each card
ether.fi Cash Card is a self-custody Visa card from ether.fi. It tops up with USDC and ETH.
Avici Card is a self-custody Visa card from Avici Inc. It tops up with USDC.
Which card fits you
ether.fi Cash fits if
- You want a higher cashback ceiling (up to 4%).
Avici fits if
- You spend in foreign currencies often, since its FX markup is lower.
- 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.
Read more: ether.fi Cash fees and details · Avici fees and details