WhopWhop
67
Side-by-side card comparison
Whop vs Avici: overall score versus use-case fit
Avici Card has the higher Overall Score by 4 points (71 vs 67). Whop Card looks stronger for Cashback and Transfers, while Avici Card comes out ahead for Travel, Funds control, and Lowest fees.
Information checked Aug 21, 202636 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. Whop Card may be the better fit for Cashback 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.
OverallWhop67Avici71Higher score
CashbackWhop39Avici21Higher score
TravelWhop57Avici82Higher score
Funds controlWhop74Avici95Higher score
Lowest feesWhop56Avici73Higher score
TransfersWhop92Avici67Higher score
Choose Whop Card if cashback and transfers matter most
Whop Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend Whop revenue before bank payout
- Five percent in three business categories
- Team controls and phone-wallet support
Choose Avici Card if travel and funds control matter most
Avici Card comes out ahead for 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
- Whop67Avici71
Avici Card has the higher Overall Score by 4 points.
- Entry cost & FX
- WhopNot verified plan · 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed 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
- Whop0% base · up to 5%Avici0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- WhopHybrid custodyAviciSelf-controlled wallet
Whop 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
- WhopVirtual + 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
- Whop2 stablecoins · Stablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1Avici1 stablecoin · Stablecoin transfers
Whop 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%-5%
- Plan cost
- Not disclosed
- FX fee
- 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- ATM fee
- ATM access, issuer fee and limit are not separately confirmed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 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
CardsWhop CardOverall67Avici CardOverall71
Whop CardOverall67Avici CardOverall71Scores
6 fields- Overall Score
- Whop Card67Avici Card71
- Cashback score
- Whop Card39Avici Card21
- Travel score
- Whop Card57Avici Card82
- Funds control score
- Whop Card74Avici Card95
- Lowest fees score
- Whop Card56Avici Card73
- Transfers score
- Whop Card92Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Whop CardSpend Whop revenue before bank payout, Five percent in three business categoriesAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Whop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclearAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Whop CardNot disclosedAvici Card$0
- FX fee
- Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmedAvici Card0–1%
- Top-up fee
- Whop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Whop Card0%Avici Card0%
- ATM fee
- Whop CardATM access, issuer fee and limit are not separately confirmedAvici Card0–0.65%
- Virtual card
- Whop CardNot disclosedAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Whop CardNot disclosedAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Whop CardNot disclosedAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Whop CardNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Whop CardVisaAvici CardVisa
- Card formats
- Whop CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- Whop CardNot disclosedAvici CardAvailable
- Mobile wallets
- Whop CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Whop CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- Whop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is publishedAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Whop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limitAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Whop CardATM access and numeric withdrawal limits are unclearAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Whop CardEthereum, Polygon, Optimism, ArbitrumAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Whop CardStablecoins: USDTAvici CardStablecoins: USDC
- Fiat deposits
- Whop CardStored payment method top-up, Dynamic bank deposit instructionsAvici CardNot disclosed
- Transfers
- Whop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1Avici CardStablecoin transfers
- Payout currencies
- Whop CardUSDAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Whop Card0%Avici Card0%
- Max cashback
- Whop Card5%Avici Card0%
- Reward currency
- Whop CardWhop account cash-back creditAvici CardNo cashback
Earn
5 fields- Advertised APY
- Whop CardUp to 6% APYAvici CardNot offered
- How it works
- Whop CardOptional earn vaultAvici CardNot offered
- Separate deposit
- Whop CardNoAvici CardNot offered
- Use balance for spending
- Whop CardNot disclosedAvici CardNot offered
- Lock-up
- Whop CardNoAvici CardNot offered
Trust & availability
6 fields- Custody
- Whop CardHybrid custodyAvici CardSelf-custody
- Control until payment
- Whop CardProvider controls fundsAvici CardYou keep control
- Card issuer
- Whop CardThird NationalAvici CardThird National
- Card processing
- Whop CardNot disclosedAvici CardRelay
- Custody / key management
- Whop CardPrivyAvici CardNot disclosed
- Identity verification
- Whop CardNot disclosedAvici CardSumsub
Sources
2 fields- Official sources
- Whop Card20Avici Card16
- Last reviewed
- Whop 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 67 for Whop 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%.
Whop Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. Whop 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.
Whop 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 Whop Card and Avici Card reviews first.
Continue with
Whop Card
Continue with
Avici Card
05 · Common questions
Whop vs Avici FAQ
Is Whop or Avici better overall?
Avici Card has the higher Overall Score (71 vs 67). 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, Whop 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, Whop 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 Whop and Avici differ on custody?
Whop 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 Whop vs Avici comparison?
The latest information check for these two cards was August 21, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.