Visa / Rain
Avalanche Card
Card Mode
Card Type
Mobile Payments
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
- Physical Card Application
- $0
02Spending & Conversion
- Base Transaction Fee
- 0%
- FX Fee
- 1%
Card Guide
Overview
Avalanche Card is a joint product from the Avalanche Foundation and crypto card issuer Rain, launched in February 2025. Cards are issued by Third National under licence from Visa, with Rain Liquidity as programme manager and banking services from SSB, an FDIC member. It is positioned as a Visa credit card collateralised by self-custodied assets: collateral sits in a smart contract on the Avalanche C-Chain and stays with the user, the issuer advances funds at the point of sale, statements settle on a cycle, purchase APR is 0%, there is no credit check and no preset credit line — spending power is set by collateral value.
It comes as a virtual card (up to 3 per account, one active at a time) and one physical card. USDC, USDT, AVAX and wAVAX are accepted as collateral.
Benefits
| Item | Details |
|---|---|
| Rewards: | Rain Rewards, branded Avax Points on this card, accrue on eligible spend; each point is worth USD 0.01 against the travel portal and converts at USD 0.007 for statement credit. |
Fees
| Item | Details |
|---|---|
| Issuance fee: | 0 — both the virtual and the physical card are free. |
| Annual / monthly fee: | 0. |
| Transaction fee: | 0; Avalanche Card charges no crypto conversion fee and no gas fee, though on-chain gas is still paid to the network. |
| FX fee: | 1%. |
| Top-up / funding: | USDC, USDT, AVAX and wAVAX go straight into the collateral contract with no deposit fee. |
| Other fees: | up to USD 40 for a late payment and USD 29 for a returned payment. |
Availability
| Item | Details |
|---|---|
| Supported regions: | 34 US states plus 30 countries across Latin America and the Caribbean — Argentina, Brazil, Mexico, Chile, Colombia, Peru, Ecuador, Bolivia, Paraguay, Uruguay, Panama, Costa Rica, El Salvador, Guatemala, Honduras, Belize, Dominica, the Dominican Republic, Guyana, Grenada, Haiti, Jamaica, the Bahamas, Barbados, Antigua and Barbuda, St. Kitts and Nevis, St. Lucia, St. Vincent and the Grenadines, Suriname and Trinidad and Tobago. |
| Unsupported regions (18): | Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Nepal, Nicaragua, Nigeria, North Korea, Russia, Sri Lanka, Syria, Turkey, Ukraine, Venezuela and Vietnam. A further 16 US states are excluded: Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Vermont, Washington and Wisconsin. |
| Spending limits: | spending power is set by collateral value, with stablecoins counted 1:1 and AVAX or wAVAX at 50%; Rain and the issuer reserve the right to impose daily or monthly caps, including reducing spending power to zero. |
| Sign-up requirements: | register with a phone number and complete KYC (legal name, email, date of birth, SSN or national ID, government document and selfie); no credit check; crypto collateral is required. |
