Worth a look for US or Latin American residents who hold USDC or USDT and mainly spend in dollars. Skip it if you want cashback without a subscription, and note it isn’t offered in the UK or EEA.
Score breakdown
How we read the terms: Free Standard plan: $10 virtual card, 1.7% FX (plus a small fixed fee), no cashback. The 2.5% rate needs the paid Emerald plan, whose price differs across Rizon’s own pages.
Preliminary score: criteria marked “Not scored” are left out and their weight is shared among the rest. How scores are calculated.
Pros
- Open to US and Latin American residents
- Wallet built on non-custodial infrastructure (Privy)
- Free deposits and USD card spending
- Apple Pay and Google Pay
Cons
- No cashback on the free plan
- Cashback is capped each month at the value of your subscription fee
- Virtual card costs $10 and physical $49.99 on the free plan
- Paid plan prices differ between Rizon’s pages
Overview
Rizon is a stablecoin app whose Visa card is issued by Third National through Rain. The card terms describe a 0% APR card secured by digital assets from your linked wallet, which can be liquidated if their value falls or a payment is late.
Cashback needs a subscription: 1% on Gold and 2.5% on Emerald, each capped at one month’s plan fee. Non-USD spending costs 1.7% plus a fixed fee on the free plan, less on paid plans.
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Planssource
| Plan | Monthly fee | Cashback | Notes |
|---|---|---|---|
| Standard | $0 | 0% | Virtual card $10, physical $49.99; FX 1.7% + $0.10 |
| Gold | Not verified | 1% | Price conflicts between sources ($3.99 vs $4.99/month); 25% off transaction fees; free virtual card |
| Emerald | Not verified | 2.5% | Price conflicts between sources ($6.99, $11.99, “from $5.59”/month); 50% off fees; free cards; cashback capped monthly at the plan fee |
Region: global.
Fees and limits
- Card issuance (global)
- Virtual $10, physical $49.99 (Standard); virtual free on Gold/Emerald, physical free on Emeraldsource
- Monthly fee (global)
- $0 (Standard); Gold and Emerald paid plans — prices conflict between sourcessource
- FX fee (global)
- 1.7source
- Top-up (global)
- Free (deposits)source
- Free ATM per month (global)
- Not verified
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
Entry tier, $1,000 a month of everyday spending in the card’s currency, first year, compared with a plain 2% cash-back card. Only the verified figures above are used.
- Cashback earned
- $0
- Card fees (issuance + 12 × monthly)
- −$10
- Net value, year one
- $−10
- Plain 2% cash-back card
- $240
At this spend, a plain 2% cash-back card earns $250 more. Higher tiers pay more, but may need staking, a balance or a paid plan — see the tiers above.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Available | “intended solely for individuals who are residents and domiciled in the United States or countries within Latin America (LATAM)”source |
| UK | Not available | “intended solely for individuals who are residents and domiciled in the United States or countries within Latin America (LATAM)”source Rizon is only for residents of the US and Latin America. |
| EEA | Not available | “intended solely for individuals who are residents and domiciled in the United States or countries within Latin America (LATAM)”source Rizon is only for residents of the US and Latin America. |
By country
Other regions listed by the issuer: United States, Latin America (LATAM), Not for residents of the UK, EEA or other regionssource. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Download RizonInstall the app; it creates a non-custodial wallet for you.
- 2Verify your identityComplete KYC as a US or Latin American resident.
- 3Pick a plan and cardChoose Standard, Gold or Emerald and order a virtual or physical card.
- 4Fund and spendDeposit USDC or USDT and pay with Apple Pay or Google Pay.
Rizon Card: common questions
Does the Rizon Card pay cashback?
Only on paid plans: 1% on Gold and 2.5% on Emerald, capped each month at the plan fee. The free Standard plan pays 0%.
Can I get a Rizon Card in Europe or the UK?
No. Rizon says its services are only for residents of the United States and Latin America.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.