TangemTangem
77
Side-by-side card comparison
Tangem vs Avici: overall score versus use-case fit
Tangem Card has the higher Overall Score by 6 points (77 vs 71). Tangem Card looks stronger for Cashback, while Avici Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Oct 11, 202637 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Avici Card may be the better fit for Travel, Funds control, Lowest fees, and 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.
OverallTangem77Avici71Higher score
CashbackTangem73Avici21Higher score
TravelTangem63Avici82Higher score
Funds controlTangem87Avici95Higher score
Lowest feesTangem52Avici74Higher score
TransfersTangem65Avici67Higher score
Choose Tangem Card if cashback matters most
Tangem Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Avici Card if travel and funds control matter most
Avici Card comes out ahead for Travel, Funds control, 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.
- 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
- Tangem77Avici71
Tangem Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown 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
- Tangem1% base · up to 2%Avici0% cashback
Tangem Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- TangemHybrid custodyAviciSelf-controlled wallet
Tangem 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
- TangemVirtual + 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
- Tangem2 stablecoins · Stablecoin transfersAvici1 stablecoin · Stablecoin transfers
Tangem Card lists more stablecoins and ways to send money out (3 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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 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
CardsTangem CardOverall77Avici CardOverall71
Tangem CardOverall77Avici CardOverall71Scores
6 fields- Overall Score
- Tangem Card77Avici Card71
- Cashback score
- Tangem Card73Avici Card21
- Travel score
- Tangem Card63Avici Card82
- Funds control score
- Tangem Card87Avici Card95
- Lowest fees score
- Tangem Card52Avici Card74
- Transfers score
- Tangem Card65Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Avici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Tangem Card$0Avici Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownAvici Card0–1%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateAvici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Tangem Card0%Avici Card0%
- ATM fee
- Tangem Card2–4%Avici Card0–0.65%
- Virtual card
- Tangem Card$0 for the first virtual cardAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Tangem CardPlus: 2%Avici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Tangem CardVisaAvici CardVisa
- Card formats
- Tangem CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableAvici CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredAvici Card$3,000 per day; the older help page still lists up to 3 ATM transactions per day
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTAvici CardStablecoins: USDC
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositAvici CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersAvici CardStablecoin transfers
- Payout currencies
- Tangem CardNot disclosedAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card1%Avici Card0%
- Max cashback
- Tangem Card2%Avici Card0%
- Reward currency
- Tangem CardUSDCAvici CardNo cashback
Earn
5 fields- Advertised APY
- Tangem CardNot offeredAvici CardNot offered
- How it works
- Tangem CardNot offeredAvici CardNot offered
- Separate deposit
- Tangem CardNot offeredAvici CardNot offered
- Use balance for spending
- Tangem CardNot offeredAvici CardNot offered
- Lock-up
- Tangem CardNot offeredAvici CardNot offered
Trust & availability
5 fields- Custody
- Tangem CardHybrid custodyAvici CardSelf-custody
- Control until payment
- Tangem CardYou keep controlAvici CardYou keep control
- Card issuer
- Tangem CardThird NationalAvici CardThird National
- Card processing
- Tangem CardPaera LLCAvici CardRelay
- Identity verification
- Tangem CardSumsubAvici CardSumsub
Sources
2 fields- Official sources
- Tangem Card20Avici Card17
- Last reviewed
- Tangem CardOct 11, 2026Avici CardSep 20, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 71 for Avici Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% vs 0%).
Avici Card still comes out ahead for Travel, Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tangem 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.
Tangem Card lists more stablecoins and ways to send money out (3 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 Tangem Card and Avici Card reviews first.
Continue with
Tangem Card
Continue with
Avici Card
05 · Common questions
Tangem vs Avici FAQ
Is Tangem or Avici better overall?
Tangem Card has the higher Overall Score (77 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, Tangem 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, Tangem or Avici?
Tangem Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tangem and Avici differ on custody?
Tangem 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 Tangem vs Avici comparison?
The latest information check for these two cards was October 11, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.