PhantomPhantom
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Side-by-side card comparison
Phantom vs Avici: overall score versus use-case fit
Avici Card has the higher Overall Score by 12 points (71 vs 59). Phantom Card looks stronger for Transfers, while Avici Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees.
Information checked Aug 21, 202630 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. Phantom 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.
OverallPhantom59Avici71Higher score
CashbackPhantom14Avici21Higher score
TravelPhantom25Avici82Higher score
Funds controlPhantom89Avici95Higher score
Lowest feesPhantom44Avici73Higher score
TransfersPhantom88Avici67Higher score
Choose Phantom Card if transfers matters most
Phantom 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.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
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
- Phantom59Avici71
Avici Card has the higher Overall Score by 12 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXAvici$0 plan · 0–1% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Phantom0% cashbackAvici0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- PhantomSelf-controlled walletAviciSelf-controlled wallet
Phantom Card and Avici Card use the same self-controlled wallet setup.
- Everyday access
- PhantomVirtual · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Avici Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Phantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutAvici1 stablecoin · Stablecoin transfers
Phantom Card lists more stablecoins and ways to send money out (8 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
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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
CardsPhantom CardOverall59Avici CardOverall71
Phantom CardOverall59Avici CardOverall71Scores
6 fields- Overall Score
- Phantom Card59Avici Card71
- Cashback score
- Phantom Card14Avici Card21
- Travel score
- Phantom Card25Avici Card82
- Funds control score
- Phantom Card89Avici Card95
- Lowest fees score
- Phantom Card44Avici Card73
- Transfers score
- Phantom Card88Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Phantom CardNot disclosedAvici Card$0
- FX fee
- Phantom CardMay apply; shown before confirmationAvici Card0–1%
- Top-up fee
- Phantom Card0.3–3.5%Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Phantom Card0%Avici Card0%
- ATM fee
- Phantom CardNot availableAvici Card0–0.65%
- Virtual card
- Phantom CardFree virtual cardAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Phantom CardNot availableAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Phantom CardNot disclosedAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Phantom CardNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Phantom CardVisaAvici CardVisa
- Card formats
- Phantom CardVirtualAvici CardVirtual, Physical
- ATM withdrawals
- Phantom CardNot availableAvici CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Phantom CardNot availableAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Phantom CardSolanaAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDAvici CardStablecoins: USDC
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireAvici CardNot disclosed
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutAvici CardStablecoin transfers
- Payout currencies
- Phantom CardUSDAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Phantom Card0%Avici Card0%
- Max cashback
- Phantom Card0%Avici Card0%
- Reward currency
- Phantom CardNot applicableAvici CardNo cashback
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedAvici CardNot offered
- How it works
- Phantom CardOptional earn vaultAvici CardNot offered
- Separate deposit
- Phantom CardYesAvici CardNot offered
- Use balance for spending
- Phantom CardNoAvici CardNot offered
- Lock-up
- Phantom CardNot disclosedAvici CardNot offered
Trust & availability
6 fields- Custody
- Phantom CardSelf-custodyAvici CardSelf-custody
- Control until payment
- Phantom CardYou keep controlAvici CardYou keep control
- Card issuer
- Phantom CardLead BankAvici CardThird National
- Card processing
- Phantom CardBridge Ventures LLC, GalileoAvici CardRelay
- Deposits & withdrawals
- Phantom CardStripeAvici CardNot disclosed
- Identity verification
- Phantom CardLinkAvici CardSumsub
Sources
2 fields- Official sources
- Phantom Card14Avici Card16
- Last reviewed
- Phantom 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 59 for Phantom Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Phantom 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. Phantom Card and Avici Card use the same self-controlled wallet setup.
Phantom Card lists more stablecoins and ways to send money out (8 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 Phantom Card and Avici Card reviews first.
Continue with
Phantom Card
Continue with
Avici Card
05 · Common questions
Phantom vs Avici FAQ
Is Phantom or Avici better overall?
Avici Card has the higher Overall Score (71 vs 59). 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, Phantom or Avici?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Phantom 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 Phantom and Avici differ on custody?
Phantom Card and Avici Card use the same self-controlled wallet setup.
How current is this Phantom vs Avici comparison?
The latest information check for these two cards was August 21, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.