AviciAvici
71
Side-by-side card comparison
Avici vs Pionex: overall score versus use-case fit
Avici Card has the higher Overall Score by 14 points (71 vs 57). Avici Card looks stronger for Travel, Funds control, and Lowest fees, while Pionex Card comes out ahead for Cashback and Transfers.
Information checked Aug 21, 202675 official sources reviewed
01 · Overall score versus use-case fit
Avici Card is the better all-round starting point
Avici Card has the higher Overall Score in this comparison. Pionex Card may be the better fit for Cashback and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallAvici71Pionex57Higher score
CashbackAvici21Pionex52Higher score
TravelAvici82Pionex29Higher score
Funds controlAvici95Pionex43Higher score
Lowest feesAvici73Pionex58Higher score
TransfersAvici67Pionex79Higher score
Choose Avici Card if travel and funds control matter most
Avici Card comes out ahead for Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
Choose Pionex Card if cashback and transfers matter most
Pionex Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Avici71Pionex57
Avici Card has the higher Overall Score by 14 points.
- Entry cost & FX
- Avici$0 plan · 0–1% FXPionex$0 plan · Not disclosed FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Avici0% cashbackPionex0.1% base · up to 1%
Pionex Card has the higher published base cashback rate (0.1% vs 0%).
- Funds control
- AviciSelf-controlled walletPionexCustodial balance
Avici Card uses a self-controlled wallet setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- AviciVirtual + Physical · Apple Pay, Google PayPionexVirtual · Apple Pay, Google Pay
Avici Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Avici1 stablecoin · Stablecoin transfersPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
Pionex Card lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsAvici CardOverall71Pionex CardOverall57
Avici CardOverall71Pionex CardOverall57Scores
6 fields- Overall Score
- Avici Card71Pionex Card57
- Cashback score
- Avici Card21Pionex Card52
- Travel score
- Avici Card82Pionex Card29
- Funds control score
- Avici Card95Pionex Card43
- Lowest fees score
- Avici Card73Pionex Card58
- Transfers score
- Avici Card67Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Avici CardUser-owned USDC collateral, Physical, virtual and phone-wallet usePionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Avici CardNo standard purchase cashback, Visa and penalty layers need carePionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Avici Card$0Pionex Card$0
- FX fee
- Avici Card0–1%Pionex CardNot disclosed
- Top-up fee
- Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully publishedPionex CardNot disclosed
- Card spending fee
- Avici Card0%Pionex Card3.5%
- ATM fee
- Avici Card0–0.65%Pionex CardNot available
- Virtual card
- Avici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewalPionex CardAvailable
- Physical card
- Avici CardPlatinum $50; Signature $75 + $20/year from year twoPionex CardNot available
Plans
2 fields- Available plans
- Avici Card2 plans: Visa Platinum, Visa SignaturePionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Avici CardVisa Platinum: 0%Pionex CardVisa: 1%
Everyday use
8 fields- Network
- Avici CardVisaPionex CardVisa/Mastercard
- Card formats
- Avici CardVirtual, PhysicalPionex CardVirtual
- ATM withdrawals
- Avici CardAvailablePionex CardNot available
- Mobile wallets
- Avici CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Avici CardiOS, AndroidPionex CardNot disclosed
- Daily spending limit
- Avici CardNo fixed public transaction cap; balance, issuer and user-set limits applyPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Avici CardNo fixed public monthly cap; dynamic controls applyPionex Card$50,000-$100,000/month depending on network
- ATM limit
- Avici Card$250 per day, up to 3 ATM transactionsPionex CardNot available
Funding & transfers
5 fields- Networks
- Avici CardEthereum, Polygon, Optimism, Arbitrum, SolanaPionex CardNot disclosed
- Crypto deposits
- Avici CardStablecoins: USDCPionex CardOther crypto: Supported crypto
- Fiat deposits
- Avici CardNot disclosedPionex CardNot disclosed
- Transfers
- Avici CardStablecoin transfersPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Avici CardNot disclosedPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Avici Card0%Pionex Card0.1%
- Max cashback
- Avici Card0%Pionex Card1%
- Reward currency
- Avici CardNo cashbackPionex CardUSDT
Earn
5 fields- Advertised APY
- Avici CardNot offeredPionex CardUp to 5% APY
- How it works
- Avici CardNot offeredPionex CardEarn on spending balance
- Separate deposit
- Avici CardNot offeredPionex CardNo
- Use balance for spending
- Avici CardNot offeredPionex CardYes
- Lock-up
- Avici CardNot offeredPionex CardNo
Trust & availability
5 fields- Custody
- Avici CardSelf-custodyPionex CardCustodial
- Control until payment
- Avici CardYou keep controlPionex CardProvider controls funds
- Card issuer
- Avici CardThird NationalPionex CardNot disclosed
- Card processing
- Avici CardRelayPionex CardNot disclosed
- Identity verification
- Avici CardSumsubPionex CardNot disclosed
Sources
2 fields- Official sources
- Avici Card16Pionex Card59
- Last reviewed
- Avici CardAug 21, 2026Pionex CardAug 14, 2026
04 · The trade-off
Avici Card is the stronger all-round choice
Avici Card finishes ahead with an Overall Score of 71 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Pionex Card has the higher published base cashback rate (0.1% vs 0%).
Pionex Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. Avici Card uses a self-controlled wallet setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Pionex Card lists more stablecoins and ways to send money out (4 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Avici Card and Pionex Card reviews first.
Continue with
Avici Card
Continue with
Pionex Card
05 · Common questions
Avici vs Pionex FAQ
Is Avici or Pionex better overall?
Avici Card has the higher Overall Score (71 vs 57). 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 Pionex?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Pionex?
Pionex Card has the higher published base cashback rate (0.1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Avici and Pionex differ on custody?
Avici Card uses a self-controlled wallet setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Avici vs Pionex comparison?
The latest information check for these two cards was August 21, 2026, using 75 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.