KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Avici: overall score versus use-case fit
Avici Card has the higher Overall Score by 10 points (71 vs 61). Karta Personal Card looks stronger for Transfers, while Avici Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees.
Information checked Aug 21, 202641 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. Karta Personal 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.
OverallKarta Personal61Avici71Higher score
CashbackKarta Personal14Avici21Higher score
TravelKarta Personal46Avici82Higher score
Funds controlKarta Personal92Avici95Higher score
Lowest feesKarta Personal53Avici73Higher score
TransfersKarta Personal90Avici67Higher score
Choose Karta Personal Card if transfers matters most
Karta Personal 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.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
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
- Karta Personal61Avici71
Avici Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXAvici$0 plan · 0–1% FX
Avici Card has the lower published FX fee (0–1% vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackAvici0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Karta PersonalSelf-controlled walletAviciSelf-controlled wallet
Karta Personal Card and Avici Card use the same self-controlled wallet setup.
- Everyday access
- Karta PersonalVirtual · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Avici Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutAvici1 stablecoin · Stablecoin transfers
Karta Personal Card lists more stablecoins and ways to send money out (6 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
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 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
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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
CardsKarta Personal CardOverall61Avici CardOverall71
Karta Personal CardOverall61Avici CardOverall71Scores
6 fields- Overall Score
- Karta Personal Card61Avici Card71
- Cashback score
- Karta Personal Card14Avici Card21
- Travel score
- Karta Personal Card46Avici Card82
- Funds control score
- Karta Personal Card92Avici Card95
- Lowest fees score
- Karta Personal Card53Avici Card73
- Transfers score
- Karta Personal Card90Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Karta Personal Card$0Avici Card$0
- FX fee
- Karta Personal Card1–3%Avici Card0–1%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Karta Personal Card1.5%Avici Card0%
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptAvici Card0–0.65%
- Virtual card
- Karta Personal Card5 USDT one-timeAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Karta Personal CardNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Karta Personal CardVisaAvici CardVisa
- Card formats
- Karta Personal CardVirtualAvici CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableAvici CardAvailable
- Mobile wallets
- Karta Personal CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedAvici CardiOS, Android
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Avici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCAvici CardStablecoins: USDC
- Fiat deposits
- Karta Personal CardBank depositsAvici CardNot disclosed
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutAvici CardStablecoin transfers
- Payout currencies
- Karta Personal CardNot disclosedAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Karta Personal Card0%Avici Card0%
- Max cashback
- Karta Personal Card0%Avici Card0%
- Reward currency
- Karta Personal CardNo cashbackAvici CardNo cashback
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredAvici CardNot offered
- How it works
- Karta Personal CardNot offeredAvici CardNot offered
- Separate deposit
- Karta Personal CardNot offeredAvici CardNot offered
- Use balance for spending
- Karta Personal CardNot offeredAvici CardNot offered
- Lock-up
- Karta Personal CardNot offeredAvici CardNot offered
Trust & availability
7 fields- Custody
- Karta Personal CardSelf-custodyAvici CardSelf-custody
- Control until payment
- Karta Personal CardYou keep controlAvici CardYou keep control
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalAvici CardThird National
- Card processing
- Karta Personal CardNot disclosedAvici CardRelay
- Custody / key management
- Karta Personal CardPrivyAvici CardNot disclosed
- Identity verification
- Karta Personal CardSumsubAvici CardSumsub
- Programme operator
- Karta Personal CardKarta Finance, Inc.Avici CardNot disclosed
Sources
2 fields- Official sources
- Karta Personal Card25Avici Card16
- Last reviewed
- Karta Personal CardAug 11, 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 61 for Karta Personal Card. Avici Card has the lower published FX fee (0–1% vs 1–3%). Both cards show the same base cashback rate of 0%.
Karta Personal 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. Karta Personal Card and Avici Card use the same self-controlled wallet setup.
Karta Personal Card lists more stablecoins and ways to send money out (6 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 Karta Personal Card and Avici Card reviews first.
Continue with
Karta Personal Card
Continue with
Avici Card
05 · Common questions
Karta Personal vs Avici FAQ
Is Karta Personal or Avici better overall?
Avici Card has the higher Overall Score (71 vs 61). 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, Karta Personal or Avici?
Avici Card has the lower published FX fee (0–1% vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Karta Personal 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 Karta Personal and Avici differ on custody?
Karta Personal Card and Avici Card use the same self-controlled wallet setup.
How current is this Karta Personal vs Avici comparison?
The latest information check for these two cards was August 21, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.