AviciAvici
71
Side-by-side card comparison
Avici vs Xapo: overall score versus use-case fit
Avici Card has the higher Overall Score by 1 point (71 vs 70). Avici Card looks stronger for Funds control, while Xapo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202637 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. Xapo Card may be the better fit for Cashback, Travel, Lowest fees, 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.
OverallAvici71Xapo70Higher score
CashbackAvici21Xapo24Higher score
TravelAvici82Xapo91Higher score
Funds controlAvici95Xapo63Higher score
Lowest feesAvici73Xapo77Higher score
TransfersAvici67Xapo100Higher score
Choose Avici Card if funds control matters most
Avici Card comes out ahead for Funds control 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 Xapo Card if cashback and travel matter most
Xapo Card comes out ahead for Cashback, Travel, 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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
- Avici71Xapo70
Avici Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Avici$0 plan · 0–1% FXXapo$1,000/year plan · 0–0.29% FX
Avici Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Avici0% cashbackXapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- AviciSelf-controlled walletXapoCustodial balance
Avici Card uses a self-controlled wallet setup, while Xapo 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 PayXapoVirtual + Physical · Unknown
Avici Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Avici1 stablecoin · Stablecoin transfersXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall71Xapo CardOverall70
Avici CardOverall71Xapo CardOverall70Scores
6 fields- Overall Score
- Avici Card71Xapo Card70
- Cashback score
- Avici Card21Xapo Card24
- Travel score
- Avici Card82Xapo Card91
- Funds control score
- Avici Card95Xapo Card63
- Lowest fees score
- Avici Card73Xapo Card77
- Transfers score
- Avici Card67Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Avici CardUser-owned USDC collateral, Physical, virtual and phone-wallet useXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Avici CardNo standard purchase cashback, Visa and penalty layers need careXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Avici Card$0Xapo Card$1,000/year
- FX fee
- Avici Card0–1%Xapo Card0–0.29%
- Top-up fee
- Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully publishedXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Avici Card0%Xapo Card0%
- ATM fee
- Avici Card0–0.65%Xapo Card0–2%
- Virtual card
- Avici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewalXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Avici CardPlatinum $50; Signature $75 + $20/year from year twoXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Avici Card2 plans: Visa Platinum, Visa SignatureXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Avici CardVisa Platinum: 0%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Avici CardVisaXapo CardVisa/Mastercard
- Card formats
- Avici CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Avici CardAvailableXapo CardAvailable
- Mobile wallets
- Avici CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Avici CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Avici CardNo fixed public transaction cap; balance, issuer and user-set limits applyXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Avici CardNo fixed public monthly cap; dynamic controls applyXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Avici Card$250 per day, up to 3 ATM transactionsXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Avici CardEthereum, Polygon, Optimism, Arbitrum, SolanaXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Avici CardStablecoins: USDCXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Avici CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Avici CardStablecoin transfersXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Avici CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Avici Card0%Xapo Card0%
- Max cashback
- Avici Card0%Xapo Card3%
- Reward currency
- Avici CardNo cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- Avici CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Avici CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Avici CardNot offeredXapo CardNo
- Use balance for spending
- Avici CardNot offeredXapo CardYes
- Lock-up
- Avici CardNot offeredXapo CardNo
Trust & availability
6 fields- Custody
- Avici CardSelf-custodyXapo CardCustodial
- Control until payment
- Avici CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Avici CardThird NationalXapo CardTransact Payments Malta Limited
- Card processing
- Avici CardRelayXapo CardNot disclosed
- Bank transfers
- Avici CardNot disclosedXapo CardXapo Bank Limited
- Identity verification
- Avici CardSumsubXapo CardNot disclosed
Sources
2 fields- Official sources
- Avici Card16Xapo Card21
- Last reviewed
- Avici CardAug 21, 2026Xapo CardSep 1, 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 Xapo Card. Avici Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
Xapo Card still comes out ahead for Cashback, Travel, Lowest fees, 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 Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
Avici Card
Continue with
Xapo Card
05 · Common questions
Avici vs Xapo FAQ
Is Avici or Xapo 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 Xapo?
Avici Card has the lower starting plan cost ($0 vs $1,000/year). 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 Xapo?
Both cards show the same base cashback rate of 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 Xapo differ on custody?
Avici Card uses a self-controlled wallet setup, while Xapo 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 Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.