Exactly Protocol / ExaExa
66
Side-by-side card comparison
Exa vs Avici: overall score versus use-case fit
Avici Card has the higher Overall Score by 5 points (71 vs 66). Exa Card looks stronger for Transfers, while Avici Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees.
Information checked Aug 23, 202647 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. Exa Card may be the better fit for 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.
OverallExa66Avici71Higher score
CashbackExa19Avici21Higher score
TravelExa61Avici82Higher score
Funds controlExa88Avici95Higher score
Lowest feesExa67Avici73Higher score
TransfersExa97Avici67Higher score
Choose Exa Card if transfers matters most
Exa Card comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
Choose Avici Card if cashback and travel matter most
Avici Card comes out ahead for Cashback, Travel, 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
- Exa66Avici71
Avici Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXAvici$0 plan · 0–1% FX
Avici Card has the lower published FX fee (0–1% vs 1.5%).
- Purchase rewards
- Exa0% cashbackAvici0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- ExaSelf-controlled walletAviciSelf-controlled wallet
Exa Card and Avici Card use the same self-controlled wallet setup.
- Everyday access
- ExaVirtual · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Avici Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Exa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutAvici1 stablecoin · Stablecoin transfers
Exa 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.
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 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
CardsExa CardOverall66Avici CardOverall71
Exa CardOverall66Avici CardOverall71Scores
6 fields- Overall Score
- Exa Card66Avici Card71
- Cashback score
- Exa Card19Avici Card21
- Travel score
- Exa Card61Avici Card82
- Funds control score
- Exa Card88Avici Card95
- Lowest fees score
- Exa Card67Avici Card73
- Transfers score
- Exa Card97Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Exa Card$0Avici Card$0
- FX fee
- Exa Card1.5%Avici Card0–1%
- Top-up fee
- Exa Card1%Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Exa CardNot disclosedAvici Card0%
- ATM fee
- Exa Card$1 + 0.65%Avici Card0–0.65%
- Virtual card
- Exa CardFree with Exa WalletAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Exa CardNot availableAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Exa CardNot disclosedAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Exa CardNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Exa CardVisaAvici CardVisa
- Card formats
- Exa CardVirtualAvici CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableAvici CardAvailable
- Mobile wallets
- Exa CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, WebAvici CardiOS, Android
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Exa Card$250/withdrawal; $1000/dayAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Exa CardOptimismAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHAvici CardStablecoins: USDC
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositAvici CardNot disclosed
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutAvici CardStablecoin transfers
- Payout currencies
- Exa CardUSD, EURAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Exa Card0%Avici Card0%
- Max cashback
- Exa Card0%Avici Card0%
- Reward currency
- Exa CardNo cashbackAvici CardNo cashback
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYAvici CardNot offered
- How it works
- Exa CardEarn on spending balance, Borrow against collateralAvici CardNot offered
- Separate deposit
- Exa CardNoAvici CardNot offered
- Use balance for spending
- Exa CardYesAvici CardNot offered
- Lock-up
- Exa CardNoAvici CardNot offered
Trust & availability
7 fields- Custody
- Exa CardSelf-custodyAvici CardSelf-custody
- Control until payment
- Exa CardYou keep controlAvici CardYou keep control
- Card issuer
- Exa CardThird National Bank, Third NationalAvici CardThird National
- Card processing
- Exa CardExa Labs SASAvici CardRelay
- Deposits & withdrawals
- Exa CardBridge, MantecaAvici CardNot disclosed
- Identity verification
- Exa CardNot disclosedAvici CardSumsub
- Programme operator
- Exa CardExa Labs SASAvici CardNot disclosed
Sources
2 fields- Official sources
- Exa Card31Avici Card16
- Last reviewed
- Exa CardAug 23, 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 66 for Exa Card. Avici Card has the lower published FX fee (0–1% vs 1.5%). Both cards show the same base cashback rate of 0%.
Exa Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. Exa Card and Avici Card use the same self-controlled wallet setup.
Exa 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 Exa Card and Avici Card reviews first.
Continue with
Exa Card
Continue with
Avici Card
05 · Common questions
Exa vs Avici FAQ
Is Exa or Avici better overall?
Avici Card has the higher Overall Score (71 vs 66). 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, Exa or Avici?
Avici Card has the lower published FX fee (0–1% vs 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, Exa or Avici?
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 Exa and Avici differ on custody?
Exa Card and Avici Card use the same self-controlled wallet setup.
How current is this Exa vs Avici comparison?
The latest information check for these two cards was August 23, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.