Our Official Verdict
Premium Self-Custody: Visa Signature Perks + Zero ATM Fees
The Avici Signature adds Visa Signature benefits on top of the self-custodial foundation. With $30 annual fee, you get lounge access, travel insurance, airport transportation, and zero ATM fees - perks that usually require staking thousands in exchange tokens. For frequent travelers in supported regions, the $30/year pays for itself on the first lounge visit.
Fees & Charges
Annual Fee
$30
FX Fee
0%
ATM Fee
0%
Requirements
Supported Regions
US, LATAM, APAC, MEA
Spendable Assets
USDC
Avici Signature Card Review
The Avici Signature Card is a premium self-custodial secured Visa Signature credit card offering lounge access, travel insurance, and zero ATM fees, backed by a USDC loan escrow smart contract.
The Premium Self-Custodial Card with Travel Perks
The Avici Signature Card adds Visa Signature benefits on top of Avici's self-custodial foundation. For $30/year, you get lounge access, travel insurance, airport transportation, and zero ATM fees - perks that exchange cards like Crypto.com Icy White or Binance Visa require thousands in staked tokens to unlock. The custody model is identical to Platinum: your USDC stays in a loan escrow contract you control.
Spending and Mechanics: Same Core, Premium Perks
The Signature uses the same secured credit mechanism as Platinum:
- Deposit USDC into your self-custodial loan escrow smart contract
- Receive equivalent USD credit on your Visa Signature card
- Spend at 100M+ Visa merchants or withdraw from ATMs
- USDC is liquidated within 1-7 days to settle with Visa
- Network: Visa Signature international credit card
- Card Types: Virtual (instant) and physical (polyvinyl plastic, priority shipping available)
- Wallet Pay: Apple Pay and Google Pay supported
- Chains: Ethereum, Polygon, OP Mainnet, Base, Arbitrum One, Avalanche, BNB Chain, Monad, Mantle, Abstract, Scroll, and Solana
- Assets: USDC native, any ERC-20/SPL token via auto-swap (Relay Protocol)
Visa Signature Benefits
The Signature tier unlocks perks managed through the Visa Airport Companion app (iOS and Android):
- Lounge access - Available via the Visa Airport Companion app. Note: there are no complimentary visits included from the card issuer at this time. A Visa Infinite tier (coming soon) is expected to add free visits.
- Travel insurance - Coverage details vary by region.
- Airport transportation - Booking available through the companion app.
- Movie tickets - Discounted access in select markets.
Benefits and availability vary by region. This is a Visa-managed program, not Avici-managed.
Fee Analysis: Premium at a Fair Price
| Fee | Amount |
|---|---|
| Annual fee | $30 first year, $20/year after |
| Virtual card | Included in annual fee |
| Physical card | $75 one-time + $20/year from second year |
| Transaction fee | $0 |
| FX markup (Avici) | 0% |
| Visa cross-border fee | 0.4-1% on non-USD transactions |
| ATM withdrawal | $0 |
| ATM declined | $0 |
| ATM balance inquiry | $0 |
| Top-up / withdrawal | $0 |
Priority shipping: $15 tracked (US), $50 tracked (international). Standard delivery is free but untracked.
The key upgrade from Platinum: zero ATM fees across the board. No $1 flat fee, no 0.65% percentage, no declined transaction charges.
ROI Analysis: When Does Signature Pay for Itself?
The annual fee is $30 first year, $20 after. The savings come from two sources:
ATM Fee Savings: Platinum charges $1 + 0.65% per ATM withdrawal. At the $250 daily maximum:
- Per withdrawal: $2.63
- Two withdrawals per month: $63/year saved
- Three withdrawals per month: $94/year saved
If you withdraw cash from ATMs even once a month, Signature pays for itself.
Travel Perks Value: A single airport lounge visit typically costs $30-50 at the door. Travel insurance on a one-week trip would cost $20-40 if purchased separately. Even one use per year covers the annual fee.
Break-even: One ATM withdrawal per month OR one lounge visit per year covers the $30 annual fee.
Limits
Identical to Platinum - no daily or monthly spending caps:
- ATM daily withdrawal: $250
- ATM transactions per day: 3
- Spending limits: No caps (customizable per card in settings)
Security: Identical to Platinum
ZeroDev smart wallet with biometric passkeys. Card freeze, per-card limits, PIN management, real-time alerts. Self-custodial loan escrow - your funds, your contract, your keys.
Verdict
The Avici Signature is the best-value premium self-custodial card for travelers. At $30/year, you get Visa Signature perks that exchange competitors gate behind $4,000-$40,000 in token stakes. The zero ATM fee alone justifies the upgrade from Platinum for anyone who touches an ATM more than once a month. The only disappointment: lounge visits are not complimentary (yet - the upcoming Infinite tier should fix this). If you travel internationally from a supported country and want custody + convenience, this is the card.
Fees and break-even math
Annual fee: $30 first year, $20/year after. FX markup: 0% (Visa may charge 0.4-1% cross-border). ATM: $0. Break-even vs Platinum: one ATM withdrawal per month saves $2.63/month = $31.50/year, covering the annual fee. Heavy ATM users save $94+/year. Break-even vs free cards: the $30 annual fee is offset by a single lounge visit ($30-50 value) or a single travel insurance claim. On $1,000/month domestic spend, the only cost is the $30 annual fee. Physical card total first-year cost: $75 (card) + $30 (annual) = $105. Second year: $20 renewal only. All fees sourced from Avici Fees and Limits.
Competitor comparison
For travel perks with self-custody, the closest alternative is xPlace Platinum Card which offers lounge access but requires a higher stake. Crypto.com Icy White offers lounges + 3% cashback but requires $4,000 CRO stake and is custodial. Nexo Card offers crypto-backed credit with cashback but is also custodial. Avici Signature is the only self-custodial option with Visa Signature perks at under $50/year.
Sources
Last verified: Feb 10, 2026 - Data sourced from official Avici documentation.
