Yearly cost at three spending levels
| Monthly spend | Krak | Avici |
|---|---|---|
| $500 | ≥ $12 Starter | $39.60 Platinum |
| $2,000 | ≥ $48 Starter | $75.60 Platinum |
| $5,000 | ≥ $120 Starter | $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 | Krak Starter | Avici Platinum |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $48 | $48 |
| ATM fees | Not disclosed | $27.60 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$0 | -$0 |
| Yearly cost | $48 | $75.60 |
Fees
Krak charges Not disclosed to convert or top up and 1% on spending in a foreign currency. Avici charges 0% and 1%.
ATM withdrawals: Krak no card fee; Avici 0.65% + $1.
A virtual card costs nothing with Krak and $15 with Avici. A physical card costs nothing and $50. Neither card has an annual fee on its base tier.
Cashback and rewards
Krak cashback: 0% to 2%. Avici cashback: None.
Krak tiers: Starter: 0%; Lite: 0.5%; Pro: 1%; Elite: 1.5%; Max: 2%.
Avici tiers: Platinum: 0%; Signature ($20 a year after year one): 0%.
Krak: The cashback rate depends on your 30-day average assets held with Krak, Kraken and Kraken Pro.
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
Krak is offered in one country, including United States. Available in all US states except New York, Maine, Massachusetts and Indiana. Krak publishes separate EEA and UK cards with different fees.
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.
Krak 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
Krak does not publish fixed spending or ATM limits.
Avici does not publish fixed spending or ATM limits.
Krak works with Apple Pay and Google Pay, and Avici works with Apple Pay and Google Pay. Krak and Avici issue a virtual card you can use straight away.
Custody and safety
Krak scores 66/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Lead Bank. 2024-12-12: An Australian court ordered Bit Trade Pty Ltd, Kraken's Australian operator, to pay AUD 8 million after an ASIC action over a margin product offered without a target market determination. Krak says account balances are not a deposit account and are not FDIC- or SIPC-insured. Kraken, Krak's parent, publishes a proof of reserves; the latest is dated 30 June 2026.
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: Krak safety check and Avici safety check.
About each card
Krak Card (US) is a custodial Visa card from Krak (Payward Interactive, Inc.). It tops up with USD, USDC, USDT, BTC and ETH.
Avici Card is a self-custody Visa card from Avici Inc. It tops up with USDC.
Which card fits you
Krak fits if
- You live in United States, the only market it serves.
- You want a higher cashback ceiling (up to 2%).
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.
Read more: Krak fees and details · Avici fees and details