COCACoca
70
Side-by-side card comparison
Coca vs Avici: overall score versus use-case fit
Avici Card has the higher Overall Score by 1 point (71 vs 70). Coca Card looks stronger for Cashback and Transfers, while Avici Card comes out ahead for Funds control and Lowest fees.
Information checked Aug 21, 202628 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. Coca 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.
OverallCoca70Avici71Higher score
CashbackCoca43Avici21Higher score
TravelCoca82Avici82Same score
Funds controlCoca85Avici95Higher score
Lowest feesCoca63Avici73Higher score
TransfersCoca87Avici67Higher score
Choose Coca Card if cashback and transfers matter most
Coca 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.
- Stablecoin funding, IBAN receive and card spend
- Physical, virtual and phone-wallet access
- Six tiers combine cashback and rebates
Choose Avici Card if funds control and lowest fees matter most
Avici Card comes out ahead for 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
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
- Coca70Avici71
Avici Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Coca$0 plan · 0% on direct pairs FXAvici$0 plan · 0–1% FX
Coca Card has the lower published FX fee (0% on direct pairs vs 0–1%).
- Purchase rewards
- Coca1% base · up to 8%Avici0% cashback
Coca Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- CocaSelf-controlled walletAviciSelf-controlled wallet
Coca Card and Avici Card use the same self-controlled wallet setup.
- Everyday access
- CocaVirtual + Physical · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Coca3 stablecoins · Stablecoin transfers; IBAN / bank transfersAvici1 stablecoin · Stablecoin transfers
Coca Card lists more stablecoins and ways to send money out (5 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
- 1%-8%
- Plan cost
- $0
- FX fee
- 0% on direct pairs
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 1 fiat
- Payout methods
- 7 crypto · 2 fiat
- 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
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
CardsCoca CardOverall70Avici CardOverall71
Coca CardOverall70Avici CardOverall71Scores
6 fields- Overall Score
- Coca Card70Avici Card71
- Cashback score
- Coca Card43Avici Card21
- Travel score
- Coca Card82Avici Card82
- Funds control score
- Coca Card85Avici Card95
- Lowest fees score
- Coca Card63Avici Card73
- Transfers score
- Coca Card87Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Coca CardStablecoin funding, IBAN receive and card spend, Physical, virtual and phone-wallet accessAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Coca CardBest cashback needs COCA tier rules, ATM is free only up to allowanceAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Coca Card$0Avici Card$0
- FX fee
- Coca Card0% on direct pairsAvici Card0–1%
- Top-up fee
- Coca CardNot disclosedAvici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Coca CardNot disclosedAvici Card0%
- ATM fee
- Coca Card0–2%Avici Card0–0.65%
- Virtual card
- Coca CardVirtual card free for all tiersAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Coca CardPlastic card $5 for Starter/Standard/Standard+; free for Premium/Premium+/EliteAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Coca Card6 plans: Starter, Standard, Standard+, Premium +2Avici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Coca CardElite: 8%Avici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Coca CardVisaAvici CardVisa
- Card formats
- Coca CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- Coca CardAvailableAvici CardAvailable
- Mobile wallets
- Coca CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Coca CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- Coca Card30,000 EUR/day; 30,000 EUR/transactionAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Coca Card30,000 EUR/monthAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Coca Card850 EUR/day; 5,000 EUR/monthAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Coca CardEthereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near +5Avici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Coca CardStablecoins: USDT, USDC, EURC, EURSAvici CardStablecoins: USDC
- Fiat deposits
- Coca CardEUR IBAN receiveAvici CardNot disclosed
- Transfers
- Coca CardStablecoin transfers; IBAN / bank transfersAvici CardStablecoin transfers
- Payout currencies
- Coca CardEUR, USD where availableAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Coca Card1%Avici Card0%
- Max cashback
- Coca Card8%Avici Card0%
- Reward currency
- Coca CardStablecoins such as USDC or EURC cashbackAvici CardNo cashback
Earn
5 fields- Advertised APY
- Coca CardUp to 5% APYAvici CardNot offered
- How it works
- Coca CardEarn on spending balanceAvici CardNot offered
- Separate deposit
- Coca CardNoAvici CardNot offered
- Use balance for spending
- Coca CardYesAvici CardNot offered
- Lock-up
- Coca CardNoAvici CardNot offered
Trust & availability
6 fields- Custody
- Coca CardSelf-custodyAvici CardSelf-custody
- Control until payment
- Coca CardYou keep controlAvici CardYou keep control
- Card issuer
- Coca CardNot disclosedAvici CardThird National
- Card processing
- Coca CardNot disclosedAvici CardRelay
- Identity verification
- Coca CardNot disclosedAvici CardSumsub
- Programme operator
- Coca CardCOCA / CCA LABSAvici CardNot disclosed
Sources
2 fields- Official sources
- Coca Card12Avici Card16
- Last reviewed
- Coca CardAug 5, 2026Avici CardAug 21, 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 Coca Card. Coca Card has the lower published FX fee (0% on direct pairs vs 0–1%). Coca Card has the higher published base cashback rate (1% vs 0%).
Coca 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. Coca Card and Avici Card use the same self-controlled wallet setup.
Coca Card lists more stablecoins and ways to send money out (5 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 Coca Card and Avici Card reviews first.
Continue with
Coca Card
Continue with
Avici Card
05 · Common questions
Coca vs Avici FAQ
Is Coca or Avici 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, Coca or Avici?
Coca Card has the lower published FX fee (0% on direct pairs vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Coca or Avici?
Coca Card has the higher published base cashback rate (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 Coca and Avici differ on custody?
Coca Card and Avici Card use the same self-controlled wallet setup.
How current is this Coca vs Avici comparison?
The latest information check for these two cards was August 21, 2026, using 28 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.