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AAvalanche Card logo

Avalanche Card

Updated: Jul 29, 2026

Avalanche Card is a Visa payment card secured by crypto assets, operated by Rain Liquidity for users in the Avalanche ecosystem. Users can establish spending capacity with USDC, USDT, AVAX and wAVAX without a traditional credit check and can receive virtual and physical cards. The card can be used at online and physical Visa merchants worldwide and supports Apple Pay and Google Pay. Users retain control of the digital assets used to secure card spending.
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Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDT / USDC
Last updated
Jul 29, 2026

Official and company information

Issuer identity and company credentials

Avalanche Card is operated by fintech company Rain Liquidity, which manages the app, card services, collateral assets, and payment capabilities. However, Rain is not a bank and does not custody the digital assets used to collateralize the card. Both the current US and international Card Agreements list Third National as the card issuer, and the card is issued under a Visa license. Avalanche/Ava Labs provides branding and ecosystem collaboration, but the official support center clearly states that actual card operations and customer service are handled by Rain.
Visit website Application page
Company / issuer
Rain Liquidity LLC
Legal name
Rain Liquidity LLC
Registered region
United States (US)
Headquarters
Delaware, United States
Company type
Issuer
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Avalanche Card uses a “digital-asset collateral plus Visa credit payment” structure. Users create a wallet in the Avalanche Card App and deposit supported assets, after which Rain calculates real-time spending power from the collateral. When a purchase occurs, the issuer first pays the merchant through the traditional Visa credit card system, and the user then settles the corresponding debt under the card agreement. The US Card Agreement explicitly defines the product as a credit card with no fixed credit limit and a 0% purchase APR. The international programme uses the Avalanche Spend Card Terms, but similarly requires the issuer to pay the merchant and the user to repay the issuer. Each account can currently apply for up to three virtual cards and one physical card, but only one virtual card and one physical card can be active at the same time.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Avalanche Visa crypto payment card
Card formVirtual + physical card
Fees
Monthly fee
Free
No monthly account fee
Card issuance fee
Free
Free
ATM fee—
Foreign exchange fee
1%
Current standard rate on the official website
Top-up fee
Free
No conversion fee charged by the card provider
Failed transaction fee—
Rewards
Cashback
0
Rate published through App promotions
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit—
Monthly spending limit—
ATM withdrawal limit—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

31
HaitiHTHondurasHNUruguayUYGuatemalaGTSt. Vincent & GrenadinesVCMexicoMXSt. Kitts & NevisKNBoliviaBOTrinidad & TobagoTTParaguayPYCosta RicaCRBelizeBZDominicaDMColombiaCODominican RepublicDOGuyanaGYGrenadaGDEl SalvadorSVUnited States (Excluding Restricted States)PeruPEBrazilBRBahamasBSEcuadorECChileCLJamaicaJMAntigua & BarbudaAGBarbadosBBPanamaPASurinameSRArgentinaARSt. LuciaLC
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

34
BelarusBYSouth DakotaIranIRSri LankaLKIndiaINNew MexicoMarylandIraqIQNicaraguaNIWashingtonIsraelILNevadaNorth DakotaGeorgiaRussiaRUNigeriaNGVenezuelaVEVermontLouisianaWisconsinSyriaSYOhioVietnamVNNepalNPUkraineUAIdahoArizonaNorth KoreaKPDelawareCubaCUTürkiyeTROregonChinaCNRhode Island
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：不可申请，官网明确禁止向中国大陆居民发卡；境外已发行卡可在支持境外 Visa 的商户使用，移动支付仍受发卡行授权限制。

2、香港：当前不属于官网列明的美国、拉丁美洲或加勒比发卡区域，不能按现行公开流程申请；境外已发行卡可在 Visa 受理商户使用。

3、澳门：当前不属于官网列明的美国、拉丁美洲或加勒比发卡区域，不能按现行公开流程申请；境外已发行卡可在 Visa 受理商户使用。

4、台湾：当前不属于官网列明的美国、拉丁美洲或加勒比发卡区域，不能按现行公开流程申请；境外已发行卡可在 Visa 受理商户使用。

Updated: Jul 29, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / Driver's license / National ID card

Review time / regional limits

Automated review usually completes in seconds; abnormal applications may enter manual review for up to about 3 days.

KYC provider

Sumsub

Updated

Jul 27, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedJul 27, 2026

Wallet payments

Alipay

Supported

Jul 27, 2026

Wallet payments

Apple Pay

Supported

Jul 16, 2026

Cash services

ATM withdrawal

Supported

Jul 16, 2026

AI tools

ChatGPT

Supported

Jul 16, 2026

AI tools

Claude

Supported

Jul 16, 2026

Wallet payments

Google Pay

Supported

Jul 16, 2026

AI tools

Midjourney

Supported

Jul 16, 2026

In-person payments

Offline POS

Supported

Jul 16, 2026

Online shopping

Online shopping

Supported

Jul 16, 2026

Wallet payments

PayPal

Supported

Jul 16, 2026

Subscriptions

Subscription payment

Supported

Jul 16, 2026

Wallet payments

WeChat Pay

Supported

Jul 27, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Lakigoogle_play★ 1 / 5

Avalanche Card Google Play review - 1 star

worst app. I completed KYC but can't access my card .
View original
Samir Merikhigoogle_play★ 5 / 5

Avalanche Card Google Play review - 5 star

❤️❤️
View original
SK SHAMIM Khangoogle_play★ 5 / 5

Avalanche Card Google Play review - 5 star

good
View original
MD Tanvir Ahmed Rifatgoogle_play★ 5 / 5

Avalanche Card Google Play review - 5 star

The app is currently rated only 3.33 stars, and part of the reason may be a misunderstanding about withdrawals. Avalanche Card funds can be withdrawn using the AVAX C-Chain network, which is supported by popular exchanges like Binance. You don't need to withdraw only to a specific wallet provided by the app. Any wallet or exchange supporting AVAX C-Chain should work. Some 1-star reviews may simply come from this misunderstanding.
View original
Decepticon Soundwavegoogle_play★ 1 / 5

Avalanche Card Google Play review - 1 star

Kyc sucks
View original
lwazir Saadgoogle_play★ 1 / 5

Avalanche Card Google Play review - 1 star

not working
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Hindi & Bangla Songgoogle_play★ 5 / 5

Avalanche Card Google Play review - 5 star

my mobile not Support
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Sinougoogle_play★ 1 / 5

Avalanche Card Google Play review - 1 star

problem with verificationy information all right and when i sign up there a problem worst app ever
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Ve-noMgoogle_play★ 1 / 5

Avalanche Card Google Play review - 1 star

add Iraq please
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Houssem Romdhanigoogle_play★ 5 / 5

Avalanche Card Google Play review - 5 star

I like this app and make to us a virtual compte with USD and EUR and GBP
View original

Risk factors

Updated: Jul 27, 2026

No risk factors are available