Avicivsether.fi Cash - Cash Card
A metric-by-metric comparison based on published fees and limits. “Best” means the lowest cost or highest reward in that row — not an editorial endorsement.
| Metric |  Third National Bank 6.8/10 Get card |  Third National Bank 7.6/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 6.8/10 | Best 7.6/10 |
| Costs | ||
| Annual fee | $30 | Best None |
| FX fee | 1% | Best 0% |
| Crypto top-up | 0% | 0% |
| Issuance fee | $15 | Best Free |
| ATM fee | Best 0.7% | 2% |
| Rewards | ||
| Max cashback | No cashback | Best 3% cashback |
| Payout token | USDC | ETHFI |
| Staking | Secured 1:1 by self-custody collateral | $0 |
| Perks | Apple & Google Pay · 0% FX Markup · Passkey Self-Custody | Apple & Google Pay · 3%–4% Cashback · Claude/ChatGPT MCP |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Self-custody | Self-custody |
| Countries | 23 (50 countries (Americas, APAC, Africa, 31 US states)) | Best 25 (85+ countries (Global)) |
| Max daily spend | Best $50,000 | $25,000 |
| Monthly ATM limit | Best $3,000 | $750 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Best Ethereum, Base, Arbitrum, Polygon +1 | Ethereum, Arbitrum, Base |
| Top-up tokens | Best USDC, USDT, ETH, SOL | USDC, ETH, USDT |
| Issuer | Third National Bank | Third National Bank |
| Network | Visa | Visa |
The quick verdict
ether.fi Cash - Cash Card pays the highest headline cashback at 3%, but check the staking requirement: $0.
ether.fi Cash - Cash Card is the cheaper travel card at 0% FX, while ether.fi Cash - Cash Card wins on annual cost at $0.
Both cards are available in 23 and 25 countries respectively. If your country is not on one of those lists, the choice is already made for you.
Avici vs ether.fi Cash - Cash Card — FAQ
Which is better, Avici or ether.fi Cash - Cash Card?+
ether.fi Cash - Cash Card has the higher editor score. Avici pays No cashback with 1% FX, while ether.fi Cash - Cash Card pays 3% cashback with 0% FX. The right choice depends on whether you value cashback, low FX, self-custody or country availability more.
Which card has lower fees, Avici or ether.fi Cash - Cash Card?+
Avici has a $30 annual fee, 0% top-up fee and 1% FX. ether.fi Cash - Cash Card has a no annual fee annual fee, 0% top-up fee and 0% FX. The winner depends on your spend currency and funding token; run the net return calculator for your own numbers.
Can I use Avici and ether.fi Cash - Cash Card together?+
Yes, in most jurisdictions there is no restriction on holding multiple crypto cards. A common setup is using the lowest-FX card for travel and the highest-cashback card for domestic or online spend.