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 2% RizPoints cashback is real and settles automatically. The "up to 5% on Metal tier" line in marketing refers to a tier that does not yet exist and has no launch date. Pure roadmap, not live product. Without the Rizon+ subscription ($0.99/month) FX is 2.5% + $0.10 per swipe; with it, 1.25%. ATM withdrawal on the physical card runs at 2% + $3. KYC clears in roughly two minutes. Cashback is denominated in RizPoints with no publicly disclosed dollar conversion, so anyone wanting fiat-equivalent rewards should treat the 2% headline as upper-bound, not guaranteed. Best fit: US or LatAm stablecoin holders who want self-custody first, don't need vapor metal-tier promises, and accept the small subscription fee for sub-1.5% FX. Wrong card if you'd rather earn cashback in straight USDC or BTC.
Rizon Card delivers true self-custody stablecoin spending powered by Rain's infrastructure, letting you hold USDC or USDT across six major blockchains, Solana, Polygon, Arbitrum, Avalanche, Optimism, and Base, in your own smart contract wallet until the moment you spend. Earn up to 5% rewards in RizPoints on eligible purchases with zero staking requirements, no monthly fees, and unlimited spending limits for verified users. With Apple Pay and Google Pay integration and acceptance at 147+ countries globally, Rizon bridges DeFi flexibility with Visa's reliability, perfect for US and Latin American users seeking self-custodial spending power without asset sales or complex conversions.
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.
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 | $10 |
|---|---|
| Annual Fee | Free |
| FX Fee | 2.5% + $0.10 on non-USD (without Rizon+); 1.25% with Rizon+ ($0.99/mo). Rizon Plus subscription cuts fees by 50%. |
| ATM Limit | Available with physical card; 2% + $3 fee |
| 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
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; physical card availability unclear; 1.5% FX fee; limited transparency on some fees; US/LatAm only
- Card issuance fee: $10
- 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 a Rizon account
A few minutesGo to the Rizon website or download the app. Sign up with your email, pick a password, and accept the terms.
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. When you make a purchase, your crypto converts to local fiat at the current rate.
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?
How does the Rizon Card cashback work?
Where is the Rizon Card available?
What cryptocurrencies does the Rizon Card support?
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