ether.fiether.fi Cash
86
Side-by-side card comparison
ether.fi Cash vs Avici: overall score versus use-case fit
ether.fi Cash Card has the higher Overall Score by 15 points (86 vs 71). ether.fi Cash Card looks stronger for Cashback, Funds control, and Transfers, while Avici Card comes out ahead for Lowest fees.
Information checked Oct 6, 202654 official sources reviewed
01 · Overall score versus use-case fit
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Avici Card may be the better fit for Lowest fees. 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.
Overallether.fi Cash86Avici71Higher score
Cashbackether.fi Cash84Avici21Higher score
Travelether.fi Cash82Avici82Same score
Funds controlether.fi Cash96Avici95Higher score
Lowest feesether.fi Cash65Avici74Higher score
Transfersether.fi Cash100Avici67Higher score
Choose ether.fi Cash Card if cashback and funds control matter most
ether.fi Cash Card comes out ahead for Cashback, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
Choose Avici Card if lowest fees matters most
Avici Card comes out ahead for 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
- ether.fi Cash86Avici71
ether.fi Cash Card has the higher Overall Score by 15 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.5% FXAvici$0 plan · 0–1% FX
ether.fi Cash Card has the lower published FX fee (0–0.5% vs 0–1%).
- Purchase rewards
- ether.fi Cash3% base · up to 4%Avici0% cashback
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- ether.fi CashNon-custodial accountAviciSelf-controlled wallet
ether.fi Cash Card uses a non-custodial account 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
- ether.fi CashVirtual + 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
- ether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Avici1 stablecoin · Stablecoin transfers
ether.fi Cash Card lists more stablecoins and ways to send money out (12 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
- 3%-4%
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 18 crypto · 14 fiat
- Payout methods
- 5 crypto · 30 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
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
Cardsether.fi Cash CardOverall86Avici CardOverall71
ether.fi Cash CardOverall86Avici CardOverall71Scores
6 fields- Overall Score
- ether.fi Cash Card86Avici Card71
- Cashback score
- ether.fi Cash Card84Avici Card21
- Travel score
- ether.fi Cash Card82Avici Card82
- Funds control score
- ether.fi Cash Card96Avici Card95
- Lowest fees score
- ether.fi Cash Card65Avici Card74
- Transfers score
- ether.fi Cash Card100Avici Card67
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediatelyAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Avici Card$0
- FX fee
- ether.fi Cash Card0–0.5%Avici Card0–1%
- Top-up fee
- ether.fi Cash CardNot disclosedAvici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- ether.fi Cash CardNot disclosedAvici Card0%
- ATM fee
- ether.fi Cash CardNot disclosedAvici Card0–0.65%
- Virtual card
- ether.fi Cash CardFirst virtual card normally $0; $10 for AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH under the dedicated fee article. Check the displayed price before order.Avici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- ether.fi Cash CardComparison page: Core $60 including shipping; one free physical card on higher tiers. Help pages describe additional-card fees and different included quantities. Confirm the order quote.Avici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- ether.fi Cash CardVIP: 4%Avici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- ether.fi Cash CardVisaAvici CardVisa
- Card formats
- ether.fi Cash CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- ether.fi Cash CardAvailableAvici CardAvailable
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- ether.fi Cash CardiOS, Android, WebAvici CardiOS, Android
- Daily spending limit
- ether.fi Cash CardEditable defaults: $5,000/day per card; Vault $10,000/day and $10,000/month. Current tier maximum is unconfirmed; the first applicable card, Vault or MCC limit applies.Avici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- ether.fi Cash CardCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.Avici Card$3,000 per day; the older help page still lists up to 3 ATM transactions per day
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10Avici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8Avici CardStablecoins: USDC
- Fiat deposits
- ether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10Avici CardNot disclosed
- Transfers
- ether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Avici CardStablecoin transfers
- Payout currencies
- ether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22Avici CardNot disclosed
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Avici Card0%
- Max cashback
- ether.fi Cash Card4%Avici Card0%
- Reward currency
- ether.fi Cash CardETHFI token cashbackAvici CardNo cashback
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.47% APYAvici CardNot offered
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultAvici CardNot offered
- Separate deposit
- ether.fi Cash CardNot disclosedAvici CardNot offered
- Use balance for spending
- ether.fi Cash CardNot disclosedAvici CardNot offered
- Lock-up
- ether.fi Cash CardNot disclosedAvici CardNot offered
Trust & availability
7 fields- Custody
- ether.fi Cash CardNon-custodialAvici CardSelf-custody
- Control until payment
- ether.fi Cash CardYou keep controlAvici CardYou keep control
- Card issuer
- ether.fi Cash CardThird NationalAvici CardThird National
- Card processing
- ether.fi Cash CardNot disclosedAvici CardRelay
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerAvici CardNot disclosed
- Identity verification
- ether.fi Cash CardNot disclosedAvici CardSumsub
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCAvici CardNot disclosed
Sources
2 fields- Official sources
- ether.fi Cash Card37Avici Card17
- Last reviewed
- ether.fi Cash CardOct 6, 2026Avici CardSep 20, 2026
04 · The trade-off
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 86 versus 71 for Avici Card. ether.fi Cash Card has the lower published FX fee (0–0.5% vs 0–1%). ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
Avici Card still comes out ahead for Lowest fees, which may matter more than the overall result if that is how you plan to use the card. ether.fi Cash Card uses a non-custodial account 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.
ether.fi Cash Card lists more stablecoins and ways to send money out (12 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 ether.fi Cash Card and Avici Card reviews first.
Continue with
ether.fi Cash Card
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Avici Card
05 · Common questions
ether.fi Cash vs Avici FAQ
Is ether.fi Cash or Avici better overall?
ether.fi Cash 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, ether.fi Cash or Avici?
ether.fi Cash Card has the lower published FX fee (0–0.5% 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, ether.fi Cash or Avici?
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ether.fi Cash and Avici differ on custody?
ether.fi Cash Card uses a non-custodial account 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 ether.fi Cash vs Avici comparison?
The latest information check for these two cards was October 6, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.