Avalanche Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | 2% of each transaction as the international transaction fee in the US card agreementThe fine print
|
| ATM limit | No ATM access |
| Spending limit | Based on collateral (100% for stablecoins; 50% for AVAX) |
These figures can change. Confirm the current fees, FX and network in Avalanche’s official terms before you apply.
Features
- Cashback: Points, rate in app
The fine print
- Avax Points on eligible card spend, at rates published only in the app
- Each point has a $0.01 face value, redeemable at full value in the in-app travel portal or at $0.007 as a statement credit
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: USDC, USDT, AVAX, wAVAX (4)
- Available countries: Many US states, Latin America and the Caribbean, except Belarus, Cuba, India, Iran, Iraq, Israel, Mainland China…
Full list
- … Nepal, Nicaragua, Nigeria, North Korea, Russia, Sri Lanka, Syria, Turkey, Ukraine, Venezuela, Vietnam
- US excludes Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Vermont, Washington, Wisconsin
Who issues the Avalanche Card
Avalanche Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy, inferred from the program manager and not stated by the issuer itself. The Avalanche Builder Hub confirms the card runs on Rain.
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
You can load the Avalanche Card with crypto; the 3 assets we track for it are listed below.
Pros and cons
Pros
- No annual fee; 0% APR; full self-custody; smart contract collateral
- No card issuance fee
Cons
- 1% FX on non-USD purchases, and the US card agreement says 2%
The fine print
- 16 US states excluded
- Reward earning rate not published
- No ATM fee or limit published
- Physical card delivery can take 30 or more business days
- No IBAN or bank-account features
Regional availability
Available in the United States
The Avalanche Card is for US residents: Many US states, Latin America and the Caribbean, except Belarus, Cuba, India, Iran, Iraq, Israel, Mainland China, Nepal, Nicaragua, Nigeria, North Korea….
Banking and fiat rails
Card overview
The Avalanche Card is a collateral-backed Visa, live and taking applications through iOS and Android apps, with no waitlist. You spend against pledged crypto, so if collateral value drops against your outstanding balance, positions can be liquidated to cover it, and a liquidation sells your crypto, which can count as a taxable disposal where you live.
Custody is the selling point. Your collateral in USDC, USDT, AVAX and wAVAX stays in user-controlled smart contracts on the Avalanche C-Chain until the moment you spend, owned and custodied by you per the official site. Fees are clean: $0 to issue, $0 monthly or annual, $0 shipping, virtual and physical cards, 0% APR. Funding is crypto only, topped up by self-custody wallet deposit; there is no advertised fiat on-ramp. Full KYC applies, so budget a government ID, SSN or national ID, and a selfie.
The FX fee depends on which document you read: the fee FAQ says 1%, the US card agreement says 2% of each transaction, and the international agreement carries only the Rain template ceiling of up to 3% FX plus up to 3% cross-border. Spending earns Avax Points at rates published only in the app; a point is worth $0.01 in the in-app travel portal and $0.007 as a statement credit. Availability covers US residents outside sixteen excluded states plus Latin America and the Caribbean, with the excluded countries listed on the official site.
- Best fit
- Avalanche-native US and LatAm spenders who want to move USDC or AVAX without selling and can stomach liquidation and tax risk
- Wrong card if
- you want flat cashback or predictable cheap travel spend
Common questions about the Avalanche Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
