AvantCard

It barely clears the bar because the 29.99–35.99% APR is punitive for the fair-credit users it targets, and payment processing of up to 10 days exposes the holder to interest and delays in credit-bureau reporting. In its favour are the no-hard-inquiry pre-approval, 0% FX and a modest $39 annual fee. As an unsecured credit card, its protections are those of US consumer credit (CARD Act), and reporting to the three bureaus under the FCRA helps build credit history; there is, however, no deposit guarantee, because a credit line holds no customer funds. That keeps it in tier C rather than lower.

Through this lens it counts for very little: a full-KYC Mastercard credit card, issued by a US bank (WebBank) and US-only, with no self-custody, on-chain or censorship-resistant element. It is a traditional banking product — a credit line, not a wallet — and the issuer can close the account or report you to the credit bureaus, so the verdict collapses versus the consumer lens because it offers none of what sovereignty rewards.

Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.

"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.