TangemTangem
60
Side-by-side card comparison
Tangem vs Avici: fees, rewards and account setup
Avici Card has the higher Overall Score by 11 points (71 vs 60). Avici Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Tangem Card may still be the better personal fit.
Information checked Aug 28, 202634 official sources reviewed
01 · Make the first cut
Avici Card is the better all-round starting point
Avici Card has the higher Overall Score in this comparison. Tangem Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallTangem60Avici71Higher score
CashbackTangem15Avici21Higher score
TravelTangem27Avici82Higher score
Funds controlTangem83Avici95Higher score
Lowest feesTangem53Avici73Higher score
TransfersTangem58Avici67Higher score
Choose Tangem Card if its day-to-day setup suits you
Tangem Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Avici Card if cashback and travel matter most
Avici Card comes out ahead for Cashback, 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
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Tangem60Avici71
Avici Card has the higher Overall Score by 11 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
- Tangem0% cashbackAvici0% cashback
Both cards show the same base cashback rate of 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 · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Avici Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tangem1 stablecoin · Stablecoin transfersAvici1 stablecoin · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 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
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsTangem CardOverall60Avici CardOverall71
Tangem CardOverall60Avici CardOverall71Scores
6 fields- Overall Score
- Tangem Card60Avici Card71
- Cashback score
- Tangem Card15Avici Card21
- Travel score
- Tangem Card27Avici Card82
- Funds control score
- Tangem Card83Avici Card95
- Lowest fees score
- Tangem Card53Avici Card73
- Transfers score
- Tangem Card58Avici 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 CardNo current cashback, Virtual-only with no ATM accessAvici 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 Card0%Avici 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 CardNot availableAvici 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 CardNot disclosedAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Tangem CardNot disclosedAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Tangem CardNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Tangem CardVisaAvici CardVisa
- Card formats
- Tangem CardVirtualAvici CardVirtual, Physical
- ATM withdrawals
- Tangem CardNot availableAvici CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- Tangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclearAvici 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 CardATM withdrawals are not currently availableAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Tangem CardPolygonAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Tangem CardStablecoins: USDCAvici CardStablecoins: USDC
- Fiat deposits
- Tangem CardNot disclosedAvici CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersAvici CardStablecoin transfers
- Payout currencies
- Tangem CardNot disclosedAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card0%Avici Card0%
- Max cashback
- Tangem Card0%Avici Card0%
- Reward currency
- Tangem CardNo current purchase rewardsAvici 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 Card18Avici Card16
- Last reviewed
- Tangem CardAug 28, 2026Avici CardAug 21, 2026
04 · The takeaway
Avici Card is the stronger all-round choice
Avici Card finishes ahead with an Overall Score of 71 versus 60 for Tangem 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%.
Tangem Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 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.
Both cards list the same number of stablecoins and ways to send money out. 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?
Avici Card has the higher Overall Score (71 vs 60). 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?
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 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 August 28, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.