Avicivsether.fi Cash - Luxe 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 7.7/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 6.8/10 | Best 7.7/10 |
| Costs | ||
| Annual fee | $30 | Best None |
| FX fee | 1% | 1% |
| Crypto top-up | 0% | 0% |
| Issuance fee | $15 | Best Free |
| ATM fee | Best 0.7% | 2% |
| Rewards | ||
| Max cashback | No cashback | Best 3.5%–3% cashback |
| Payout token | USDC | ETHFI |
| Staking | Secured 1:1 by self-custody collateral | $10,000 liquid deposit |
| 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 - Luxe Card pays the highest headline cashback at 3%, but check the staking requirement: $10,000 liquid deposit.
Avici is the cheaper travel card at 1% FX, while ether.fi Cash - Luxe 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 - Luxe Card — FAQ
Which is better, Avici or ether.fi Cash - Luxe Card?+
ether.fi Cash - Luxe Card has the higher editor score. Avici pays No cashback with 1% FX, while ether.fi Cash - Luxe Card pays 3.5%–3% cashback with 1% 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 - Luxe Card?+
Avici has a $30 annual fee, 0% top-up fee and 1% FX. ether.fi Cash - Luxe Card has a no annual fee annual fee, 0% top-up fee and 1% 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 - Luxe 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.