Avici Card scores 8/16, Bitrefill Card scores 6/16 on the CBL Card Score. Here is every criterion side by side.
| Custody | 2 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 1 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 2 of 2 |
| Funding cost | 0 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 1 of 2 | 1 of 2 |
| Yield on idle balance | 1 of 2 | 0 of 2 |
| Total | 8 | 6 |
The short verdict: Avici Card leads overall (8 to 6). Self-custodial escrow contract your wallet owns, 0% Avici markup; Visa charges about 1% FX. Health: Watch. Check each profile for what still needs confirming before deciding.
| Avici Card | None on the card. Referral programme only; a 5% cashback on one user-chosen category appears as a 15 Apr 2026 update on a review page but not in the official fees or FAQ pages (third-party: SpendNode, 16 Oct 2026; official docs, checked 20 Oct 2026). |
| Bitrefill Card | 1% on every crypto deposit and 1% on every purchase, "no cap", paid in EUR as Bitrefill store credit the same day the payment settles, no expiry (official, card page and card FAQ, checked 20 Oct 2026). Store credit buys gift cards, eSIMs and refills on bitrefill.com and cannot be withdrawn (official, FAQ). Bank withdrawals, cash-outs and ATM withdrawals earn nothing (official). Free eSIM of up to 20GB a month for depositing over €500 of crypto in the month (official, card page). |
Cashback is shown as a dated fact and never scored.