Rizon Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
For the Americas, Rizon is one of the cleanest stablecoin self-custody cards we've found. USDC and USDT stay in your smart wallet on six chains (Solana, Polygon, Arbitrum, Avalanche, Optimism, Base) until point of purchase, with Rain providing the issuer infrastructure. The chain of responsibility is stated properly for once: the terms say the card is "issued by our Partner, Rain", and name Rain as Signify Holdings with its subsidiary Nimbus LLC. Cashback is 2.5% on every dollar, paid in RizPoints, which carry no published dollar conversion, so treat the headline as an upper bound. On cost, USD spend is free and non-USD runs 1.7% + $0.10, halved to 1.02% if you pay for Rizon Emerald. Asked whether that percentage sits on top of the Visa scheme rate, the issuer said it is the total, which is more than most Rain-rail programs will put in writing. Two gaps remain. The fee table has no ATM row at all, so the cost of the worldwide ATM access the card advertises is unpublished and went unanswered when we asked. And Emerald is priced at $5.59 a month on the fees page but $6.99 on both comparison pages. Best fit: US or LatAm stablecoin holders who want self-custody first and spend mostly in dollars. Wrong card if you need cash out of an ATM at a knowable price.
Estimate your annual cost with Rizon Card
Plug in how you actually use the card. We'll combine the Rizon Card's FX fee, cashback, and annual fee with your spending pattern to estimate your real annual cost.
- FX fee: the field lists several rates (1.7%, 1.02%) for different tiers, regions or plans. The first is shown — check the field for the one that applies to you.
Estimates only. Spreads on crypto-to-fiat conversion and promotional rates may differ. See the fees table below for exact card terms.
This is a Visa crypto card. It uses a self-custody model. It offers cashback rewards. Available to US residents. Available in the UK.
Fees & Limits
| Issuance Fee | Physical card USD 49.99, or free with a Rizon Emerald subscription (shipping not included), stated by the issuer in writing 12 Aug 2026; no card price appears on the published fees page |
|---|---|
| Annual Fee | Free |
| FX Fee | USD card spend free. Non-USD 1.7% + USD 0.10, or 1.02% with Rizon Emerald (from USD 5.59/month). The issuer states in writing (12 Aug 2026) that this percentage is the total cost, not a margin quoted on top of the Visa scheme rate |
| ATM Limit | Physical card withdraws cash at ATMs worldwide, but no ATM fee or cap is published: the fee table carries no ATM row at all, and the issuer left the question unanswered when asked on 12 Aug 2026 |
| Spending Limit | Unlimited for verified users |
These figures can change. Confirm the current fees, FX and network in Rizon’s official terms before you apply.
Features
- Welcome Bonus: Referral/promo code gives new-user bonus
- Card Type: Virtual + Physical
- Top up with: USDC USDT on Solana Polygon Arbitrum Avalanche Optimism Base (no pre-loading required; spends directly from wallet)
- Available Countries: Albania, Andorra, Antigua and Barbuda, Argentina, Armenia, Australia, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belize, Bhutan, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Burundi, Cambodia, Canada, Chad, Chile, Colombia, Comoros, Congo, Costa Rica, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Fiji, Gabon, Georgia, Grenada, Guatemala, Guyana, Honduras, Iceland, Indonesia, Jamaica, Japan, Jordan, Kazakhstan, Kiribati, Kuwait, Kyrgyzstan, Latvia, Lesotho, Liberia, Liechtenstein, Lithuania, Madagascar, Malawi, Malaysia, Maldives, Marshall Islands, Mauritius, Mexico, Micronesia, Moldova, Mongolia, Montenegro, Morocco, Nauru, New Zealand, North Macedonia, Norway, Oman, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Portugal, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Serbia, Seychelles, Singapore, Slovakia, Slovenia, Solomon Islands, South Korea, Sri Lanka, Suriname, Switzerland, Tajikistan, Thailand, Timor-Leste, Tonga, Tunisia, Turkmenistan, Tuvalu, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vatican City, Zambia, Zimbabwe
Banking & Fiat Rails
No native IBAN; funding via SEPA (EU) / ACH (US) supported; no dedicated user IBAN
Who issues the Rizon Card
The Rizon Card has a different issuer depending on where you sign up. Each one is listed below with its own source.
The Rizon Card is issued by Rain (Signify Holdings, Inc.), USA (New York) — Visa Principal Member (Mar 2025) + Mastercard Principal Member (4 May 2026); program manager turned named issuer on newer launches. The issuer is named in the source linked below. — terms: "a virtual or physical debit card, issued by our Partner, Rain"; the fees page names "Signify Holdings Inc. and its subsidiary Nimbus LLC (Rain), a third-party licensed financial service provider" and says Rain "operates under its own regulatory authorizations"
Primary source · All cards issued by Rain (Signify Holdings, Inc.) · Why the issuer matters
Rizon 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, not stated by the issuer itself. Rain rail confirmed (Rain announcement); issuer inferred.
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported Cryptocurrencies
You can load the Rizon Card with crypto; the asset we track for it is listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: USDC/USDT on Solana, Polygon, Arbitrum, Avalanche, Optimism, Base (self-custody smart wallet)
Who Is the Rizon Card Best For?
The Rizon Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
The Rizon Card pays 2.5% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in US and Latin America residents; usable in 147+ countries, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 2.5% cashback
- DeFi users who want to hold their own keys
- US residents who want a crypto spending card
Avoid if
- You're based in Europe (this card is US-only)
- You need traditional bank integration (IBAN, SEPA, direct debits)
Compare the Rizon Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- True self-custody; funds stay in your wallet until purchase; multi-network support (6 blockchains); no staking required
- Earn 2.5% cashback on eligible purchases
- No annual maintenance fee
- Works wherever Visa is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Virtual card ready right away, no shipping wait
Cons
- USDC/USDT only; RizPoints carry no published dollar value; physical card USD 49.99 unless you pay for Emerald; no ATM fee or cap published anywhere; the Emerald price contradicts itself across the issuer own pages; US/LatAm only
- Card issuance fee: Physical card USD 49.99, or free with a Rizon Emerald subscription (shipping not included), stated by the issuer in writing 12 Aug 2026; no card price appears on the published fees page
- Only available in certain regions
- Full KYC required, no anonymous tier
- No IBAN or bank account, prepaid only
How to Get the Rizon Card
Here is what the sign-up process looks like, from application to first purchase.
Create your Rizon account
A few minutesGo to the Rizon website or download the app.
Complete identity verification
Varies by issuerRizon runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with USDC USDT on Solana Polygon Arbitrum Avalanche Optimism Base (no pre-loading required; spends directly from wallet) through the funding screen.
Start spending immediately
InstantYour virtual Rizon Card shows up in the Rizon app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in the United States
The Rizon Card is for US residents. Availability can vary by state because of money-transmission licensing. Check the issuer's site for your state.
Common questions about the Rizon Card
What are the fees for the Rizon Card?
Is the Rizon Card legit, and who is behind it?
Is the Rizon Card worth it?
How does the Rizon Card cashback work?
Where is the Rizon Card available?
What cryptocurrencies does the Rizon Card support?
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