AviciAvici
71
Side-by-side card comparison
Avici vs Decaf
Avici Card has the higher Overall Score by 7 points (71 vs 64). Avici Card looks stronger for Travel, Funds control, and Lowest fees, while Decaf Card comes out ahead for Cashback and Transfers.
Latest check Oct 19, 202638 official sources reviewed
Avici Card
Best fit
- Using USDC in a user-owned escrow contract to back Visa purchases.
- Choosing a physical secured card with Apple Pay and Google Pay support.
- Frequent ATM use on Signature with no Avici fee; operator fees can apply.
Before you choose
- The first Platinum virtual card costs $15; Signature has recurring pricing.
- There is no ongoing purchase cashback, and Avici Earn is not yet available.
- Collateral backs secured credit; settlement can take up to a week.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsAvici CardOverall71Decaf CardOverall64
Avici CardOverall71Decaf CardOverall64Scores
- Overall Score
- Avici Card71Decaf Card64
- Cashback score
- Avici Card21Decaf Card29
- Travel score
- Avici Card82Decaf Card60
- Funds control score
- Avici Card95Decaf Card63
- Lowest fees score
- Avici Card74Decaf Card57
- Transfers score
- Avici Card67Decaf Card70
Costs
- Plan cost
- Avici Card$0Decaf Card$0
- FX fee
- Avici Card0–1%Decaf Card1–2%
- Top-up fee
- Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully publishedDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Avici Card0%Decaf CardNot disclosed
- ATM fee
- Avici Card0–0.65%Decaf Card0% Decaf markup
- Virtual card
- Avici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewalDecaf Card$5
- Physical card
- Avici CardPlatinum $50; Signature $75 + $20/year from year twoDecaf Card$90 international / $10 US
Plans
- Available plans
- Avici Card2 plans: Visa Platinum, Visa SignatureDecaf CardNot disclosed
- Top cashback plan
- Avici CardVisa Platinum: 0%Decaf CardNot disclosed
Everyday use
- Network
- Avici CardVisaDecaf CardVisa
- Card formats
- Avici CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Avici CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Avici CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Avici CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Avici CardNo fixed public transaction cap; balance, issuer and user-set limits applyDecaf CardNot disclosed
- Monthly spending limit
- Avici CardNo fixed public monthly cap; dynamic controls applyDecaf CardNot disclosed
- ATM limit
- Avici Card$3,000 per day; the older help page still lists up to 3 ATM transactions per dayDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Avici CardEthereum, Polygon, Optimism, Arbitrum, SolanaDecaf CardSolana, Stellar
- Crypto deposits
- Avici CardStablecoins: USDCDecaf CardStablecoins: USDC
- Fiat deposits
- Avici CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Avici CardStablecoin transfersDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Avici CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Avici Card0%Decaf CardNot disclosed
- Max cashback
- Avici Card0%Decaf CardNot disclosed
- Reward currency
- Avici CardNo cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Avici CardNot offeredDecaf CardNot disclosed
- How it works
- Avici CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Avici CardNot offeredDecaf CardYes
- Use balance for spending
- Avici CardNot offeredDecaf CardNot disclosed
- Lock-up
- Avici CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Avici CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- Avici CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Avici CardThird NationalDecaf CardThird National, Inc.
- Card processing
- Avici CardRelayDecaf CardRain
- Deposits & withdrawals
- Avici CardNot disclosedDecaf CardMoneyGram
- Identity verification
- Avici CardSumsubDecaf CardNot disclosed
Sources
- Official sources
- Avici Card17Decaf Card21
- Last reviewed
- Avici CardSep 20, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Avici or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Avici lists 0–1%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Matching the card to your plans
Avici: Using USDC in a user-owned escrow contract to back Visa purchases. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
Avici vs Decaf FAQ
Is Avici or Decaf better overall?
Avici Card has the higher Overall Score (71 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Avici or Decaf?
Avici Card has the lower published FX fee (0–1% vs 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Avici or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Avici and Decaf differ on custody?
Avici Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Avici vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.