Ethena PayEthena Pay
86
Side-by-side card comparison
Ethena Pay vs Avici: overall score versus use-case fit
Ethena Pay Card has the higher Overall Score by 15 points (86 vs 71). Ethena Pay Card looks stronger for Cashback, Lowest fees, and Transfers, while Avici Card comes out ahead for Travel and Funds control.
Information checked Sep 1, 202628 official sources reviewed
01 · Overall score versus use-case fit
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. Avici Card may be the better fit for Travel and Funds control. 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.
OverallEthena Pay86Avici71Higher score
CashbackEthena Pay89Avici21Higher score
TravelEthena Pay64Avici82Higher score
Funds controlEthena Pay86Avici95Higher score
Lowest feesEthena Pay87Avici73Higher score
TransfersEthena Pay82Avici67Higher score
Choose Ethena Pay Card if cashback and lowest fees matter most
Ethena Pay Card comes out ahead for Cashback, 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.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
Choose Avici Card if travel and funds control matter most
Avici Card comes out ahead for Travel and 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
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
- Ethena Pay86Avici71
Ethena Pay Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Ethena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FXAvici$0 plan · 0–1% FX
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 0–1%).
- Purchase rewards
- Ethena Pay4% base · up to 5%Avici0% cashback
Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
- Funds control
- Ethena PayHybrid custodyAviciSelf-controlled wallet
Ethena Pay Card uses a hybrid custody setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Ethena PayVirtual · Apple PayAviciVirtual + Physical · Apple Pay, Google Pay
Avici Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Ethena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawalAvici1 stablecoin · Stablecoin transfers
Ethena Pay 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
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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
CardsEthena Pay CardOverall86Avici CardOverall71
Ethena Pay CardOverall86Avici CardOverall71Scores
6 fields- Overall Score
- Ethena Pay Card86Avici Card71
- Cashback score
- Ethena Pay Card89Avici Card21
- Travel score
- Ethena Pay Card64Avici Card82
- Funds control score
- Ethena Pay Card86Avici Card95
- Lowest fees score
- Ethena Pay Card87Avici Card73
- Transfers score
- Ethena Pay Card82Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Ethena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markupAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Ethena Pay CardCard access is still application-gated, One-day payment grace adds liquidation riskAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Ethena Pay Card$0Avici Card$0
- FX fee
- Ethena Pay Card0% Ethena Pay markup; Visa rate appliesAvici Card0–1%
- Top-up fee
- Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separateAvici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Ethena Pay Card0%Avici Card0%
- ATM fee
- Ethena Pay CardNot availableAvici Card0–0.65%
- Virtual card
- Ethena Pay CardUSD 0Avici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Ethena Pay CardNot disclosedAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Ethena Pay Card3 plans: Standard, Pro, VIPAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Ethena Pay CardVIP: 5%Avici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Ethena Pay CardVisaAvici CardVisa
- Card formats
- Ethena Pay CardVirtualAvici CardVirtual, Physical
- ATM withdrawals
- Ethena Pay CardNot availableAvici CardAvailable
- Mobile wallets
- Ethena Pay CardApple PayAvici CardApple Pay, Google Pay
- Apps
- Ethena Pay CardiOS, WebAvici CardiOS, Android
- Daily spending limit
- Ethena Pay CardDynamic, based on collateral market valueAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Ethena Pay CardDynamic, based on collateral market valueAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Ethena Pay CardNot availableAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Ethena Pay CardEthereum, Polygon, Optimism, ArbitrumAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Ethena Pay CardNot disclosedAvici CardStablecoins: USDC
- Fiat deposits
- Ethena Pay CardNot disclosedAvici CardNot disclosed
- Transfers
- Ethena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawalAvici CardStablecoin transfers
- Payout currencies
- Ethena Pay CardNot disclosedAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Ethena Pay Card4%Avici Card0%
- Max cashback
- Ethena Pay Card5%Avici Card0%
- Reward currency
- Ethena Pay CardAVAXAvici CardNo cashback
Earn
5 fields- Advertised APY
- Ethena Pay CardUp to 6% APYAvici CardNot offered
- How it works
- Ethena Pay CardEarn on spending balanceAvici CardNot offered
- Separate deposit
- Ethena Pay CardNoAvici CardNot offered
- Use balance for spending
- Ethena Pay CardYesAvici CardNot offered
- Lock-up
- Ethena Pay CardNoAvici CardNot offered
Trust & availability
5 fields- Custody
- Ethena Pay CardHybrid custodyAvici CardSelf-custody
- Control until payment
- Ethena Pay CardYou keep controlAvici CardYou keep control
- Card issuer
- Ethena Pay CardThird NationalAvici CardThird National
- Card processing
- Ethena Pay CardSignify Holdings, Inc. d/b/a RainAvici CardRelay
- Identity verification
- Ethena Pay CardSumsubAvici CardSumsub
Sources
2 fields- Official sources
- Ethena Pay Card12Avici Card16
- Last reviewed
- Ethena Pay CardSep 1, 2026Avici CardAug 21, 2026
04 · The trade-off
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 71 for Avici Card. Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 0–1%). Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
Avici Card still comes out ahead for Travel and Funds control, which may matter more than the overall result if that is how you plan to use the card. Ethena Pay Card uses a hybrid custody setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Ethena Pay 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 Ethena Pay Card and Avici Card reviews first.
Continue with
Ethena Pay Card
Continue with
Avici Card
05 · Common questions
Ethena Pay vs Avici FAQ
Is Ethena Pay or Avici better overall?
Ethena Pay Card has the higher Overall Score (86 vs 71). 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, Ethena Pay or Avici?
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies 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, Ethena Pay or Avici?
Ethena Pay Card has the higher published base cashback rate (4% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Ethena Pay and Avici differ on custody?
Ethena Pay Card uses a hybrid custody setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Ethena Pay vs Avici comparison?
The latest information check for these two cards was September 1, 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.