XPlaceXPlace
68
Side-by-side card comparison
XPlace vs Avici: overall score versus use-case fit
Avici Card has the higher Overall Score by 3 points (71 vs 68). XPlace Card looks stronger for Cashback, while Avici Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 27, 202642 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. XPlace Card may be the better fit for Cashback. 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.
OverallXPlace68Avici71Higher score
CashbackXPlace49Avici21Higher score
TravelXPlace61Avici82Higher score
Funds controlXPlace67Avici95Higher score
Lowest feesXPlace69Avici73Higher score
TransfersXPlace62Avici67Higher score
Choose XPlace Card if cashback matters most
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
- XPlace68Avici71
Avici Card has the higher Overall Score by 3 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% 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
- XPlace0.5% base · up to 4%Avici0% cashback
XPlace Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- XPlaceHybrid custodyAviciSelf-controlled wallet
XPlace 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
- XPlaceVirtual + 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
- XPlace2 stablecoins · Stablecoin transfersAvici1 stablecoin · Stablecoin transfers
XPlace 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
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- 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
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
CardsXPlace CardOverall68Avici CardOverall71
XPlace CardOverall68Avici CardOverall71Scores
6 fields- Overall Score
- XPlace Card68Avici Card71
- Cashback score
- XPlace Card49Avici Card21
- Travel score
- XPlace Card61Avici Card82
- Funds control score
- XPlace Card67Avici Card95
- Lowest fees score
- XPlace Card69Avici Card73
- Transfers score
- XPlace Card62Avici Card67
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- XPlace Card$0Avici Card$0
- FX fee
- XPlace Card0–1%Avici Card0–1%
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesAvici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- XPlace Card0%Avici Card0%
- ATM fee
- XPlace CardNot availableAvici Card0–0.65%
- Virtual card
- XPlace CardNot disclosedAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.Avici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- XPlace CardPlatinum: 2%Avici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- XPlace CardVisaAvici CardVisa
- Card formats
- XPlace CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- XPlace CardNot availableAvici CardAvailable
- Mobile wallets
- XPlace CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- XPlace CardNot available while only the virtual card is liveAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- XPlace CardSolanaAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- XPlace CardStablecoins: USDCAvici CardStablecoins: USDC
- Fiat deposits
- XPlace CardNot disclosedAvici CardNot disclosed
- Transfers
- XPlace CardStablecoin transfersAvici CardStablecoin transfers
- Payout currencies
- XPlace CardNot disclosedAvici CardNot disclosed
Rewards
3 fields- Base cashback
- XPlace Card0.5%Avici Card0%
- Max cashback
- XPlace Card4%Avici Card0%
- Reward currency
- XPlace CardUSDCAvici CardNo cashback
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APYAvici CardNot offered
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultAvici CardNot offered
- Separate deposit
- XPlace CardYesAvici CardNot offered
- Use balance for spending
- XPlace CardNoAvici CardNot offered
- Lock-up
- XPlace CardNoAvici CardNot offered
Trust & availability
5 fields- Custody
- XPlace CardHybrid custodyAvici CardSelf-custody
- Control until payment
- XPlace CardProvider controls fundsAvici CardYou keep control
- Card issuer
- XPlace CardThird NationalAvici CardThird National
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)Avici CardRelay
- Identity verification
- XPlace CardSumsubAvici CardSumsub
Sources
2 fields- Official sources
- XPlace Card26Avici Card16
- Last reviewed
- XPlace CardAug 27, 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 68 for XPlace Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. XPlace Card has the higher published base cashback rate (0.5% vs 0%).
XPlace Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. XPlace 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.
XPlace 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 XPlace Card and Avici Card reviews first.
Continue with
XPlace Card
Continue with
Avici Card
05 · Common questions
XPlace vs Avici FAQ
Is XPlace or Avici better overall?
Avici Card has the higher Overall Score (71 vs 68). 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, XPlace 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, XPlace or Avici?
XPlace Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do XPlace and Avici differ on custody?
XPlace 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 XPlace vs Avici comparison?
The latest information check for these two cards was August 27, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.