AviciAvici
71
Side-by-side card comparison
Avici vs Uphold US: overall score versus use-case fit
Avici Card has the higher Overall Score by 1 point (71 vs 70). Avici Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback.
Information checked Oct 14, 202630 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. Uphold Card US may be the better fit for Cashback. 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.
OverallAvici71Uphold US70Higher score
CashbackAvici21Uphold US75Higher score
TravelAvici82Uphold US71Higher score
Funds controlAvici95Uphold US44Higher score
Lowest feesAvici74Uphold US56Higher score
TransfersAvici67Uphold US65Higher score
Choose Avici Card if travel and funds control matter most
Avici Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers 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 Uphold Card US if cashback matters most
Uphold Card US comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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
- Avici71Uphold US70
Avici Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Avici$0 plan · 0–1% FXUphold US$0 plan · 0–1.5% FX
Avici Card has the lower published FX fee (0–1% vs 0–1.5%).
- Purchase rewards
- Avici0% cashbackUphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- AviciSelf-controlled walletUphold USCustodial balance
Avici Card uses a self-controlled wallet setup, while Uphold Card US 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 PayUphold USVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Avici1 stablecoin · Stablecoin transfersUphold US0 stablecoins · US bank withdrawal
Both cards list the same number of stablecoins and ways to send money out.
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 fiat
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 CardOverall71Uphold Card USOverall70
Avici CardOverall71Uphold Card USOverall70Scores
6 fields- Overall Score
- Avici Card71Uphold Card US70
- Cashback score
- Avici Card21Uphold Card US75
- Travel score
- Avici Card82Uphold Card US71
- Funds control score
- Avici Card95Uphold Card US44
- Lowest fees score
- Avici Card74Uphold Card US56
- Transfers score
- Avici Card67Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Avici CardUser-owned USDC collateral, Physical, virtual and phone-wallet useUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Avici CardNo standard purchase cashback, Visa and penalty layers need careUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Avici Card$0Uphold Card US$0
- FX fee
- Avici Card0–1%Uphold Card US0–1.5%
- Top-up fee
- Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully publishedUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Avici Card0%Uphold Card USNot disclosed
- ATM fee
- Avici Card0–0.65%Uphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Avici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewalUphold Card USFree on both plans
- Physical card
- Avici CardPlatinum $50; Signature $75 + $20/year from year twoUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Avici Card2 plans: Visa Platinum, Visa SignatureUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Avici CardVisa Platinum: 0%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Avici CardVisaUphold Card USVisa
- Card formats
- Avici CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Avici CardAvailableUphold Card USAvailable
- Mobile wallets
- Avici CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Avici CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Avici CardNo fixed public transaction cap; balance, issuer and user-set limits applyUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Avici CardNo fixed public monthly cap; dynamic controls applyUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Avici Card$3,000 per day; the older help page still lists up to 3 ATM transactions per dayUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Avici CardEthereum, Polygon, Optimism, Arbitrum, SolanaUphold Card USNot disclosed
- Crypto deposits
- Avici CardStablecoins: USDCUphold Card USNot disclosed
- Fiat deposits
- Avici CardNot disclosedUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Avici CardStablecoin transfersUphold Card USUS bank withdrawal
- Payout currencies
- Avici CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Avici Card0%Uphold Card US2%
- Max cashback
- Avici Card0%Uphold Card US4%
- Reward currency
- Avici CardNo cashbackUphold Card USXRP
Earn
5 fields- Advertised APY
- Avici CardNot offeredUphold Card USNot offered
- How it works
- Avici CardNot offeredUphold Card USNot offered
- Separate deposit
- Avici CardNot offeredUphold Card USNot offered
- Use balance for spending
- Avici CardNot offeredUphold Card USNot offered
- Lock-up
- Avici CardNot offeredUphold Card USNot offered
Trust & availability
6 fields- Custody
- Avici CardSelf-custodyUphold Card USCustodial
- Control until payment
- Avici CardYou keep controlUphold Card USProvider controls funds
- Card issuer
- Avici CardThird NationalUphold Card USCross River Bank
- Card processing
- Avici CardRelayUphold Card USNot disclosed
- Custody / key management
- Avici CardNot disclosedUphold Card USUphold HQ Inc.
- Identity verification
- Avici CardSumsubUphold Card USNot disclosed
Sources
2 fields- Official sources
- Avici Card17Uphold Card US13
- Last reviewed
- Avici CardSep 20, 2026Uphold Card USOct 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 70 for Uphold Card US. Avici Card has the lower published FX fee (0–1% vs 0–1.5%). Uphold Card US has the higher published base cashback rate (2% vs 0%).
Uphold Card US still comes out ahead for Cashback, 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 Uphold Card US uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Uphold Card US reviews first.
Continue with
Avici Card
Continue with
Uphold Card US
05 · Common questions
Avici vs Uphold US FAQ
Is Avici or Uphold US better overall?
Avici Card has the higher Overall Score (71 vs 70). 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 Uphold US?
Avici Card has the lower published FX fee (0–1% vs 0–1.5%). 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 Uphold US?
Uphold Card US has the higher published base cashback rate (2% 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 Uphold US differ on custody?
Avici Card uses a self-controlled wallet setup, while Uphold Card US 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 Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.