Rizon Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Fees page still says "Check app for the price" for virtual, physical, additional and replacement cardsThe fine print
|
|---|---|
| Annual fee | Free |
| FX fee | USD card spend freeThe fine print
|
| ATM limit | Physical card withdraws cash at ATMs worldwideThe fine print
|
| Spending limit | Unlimited for verified users |
Fees change; the current ones are in Rizon’s terms.
Features
- Welcome bonus: Referral/promo code gives new-user bonus
- Cashback: 2.5%
The fine print
- The issuer's pages disagree
- Card page: 2.5% cashback on every dollar spent
- Comparison pages: 2.5% USD cashback on Rizon Emerald, capped at the subscription price
- RizPoints page: a five-level ladder, Basic 0%, Silver 1%, Gold 2%, Emerald 3%, Diamond 5% cashback on all spend, and in its own summary "up to 2%"
- No page says how a level is reached or what a RizPoint is worth in dollars
- KYC: Yes
- Card type: Virtual + Physical plastic; a metal card is announced as coming soon
- 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…
Full list
… 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
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
The Rizon Card is issued by Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below. Rizon's card page: the issuance of payment cards is "provided solely by Signify Holdings Inc. and its subsidiary Nimbus LLC (Rain)". Nimbus LLC is the entity Rain lists as doing business as Third National.
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.
Pros and 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
- Welcome bonus: Referral/promo code gives new-user bonus
- Multi-chain top-up across 6+ networks
Cons
- USDC/USDT only
The fine print
- The cashback rate differs across the issuer's own pages (2.5%, up to 2%, a 0% to 5% ladder)
- Card prices are shown only in the app
- No ATM cap or fee rate on the fees page
- Emerald is priced at $5.59 a month on the fees page and $6.99 on the comparison pages
- US and LatAm residents only
- No IBAN or SEPA account
Regional availability
Available in USA + LATAM
The Rizon Card is available in USA + LATAM: Albania, Andorra, Antigua and Barbuda, Argentina, Armenia, Australia, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belize, Bhutan and 79 more.
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 card publishes several rates (1.7%, 1.02%) for different tiers, regions or plans. The calculator uses the first; check the fees table above for the one that applies to you.
Estimates only. Spreads on crypto-to-fiat conversion and promotional rates may differ. See the fees table above for exact card terms.
Banking and fiat rails
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 where the issuer contradicts itself.
The card page promises 2.5% on every dollar; the comparison pages give 2.5% only on Rizon Emerald, capped at the subscription price; and the RizPoints page shows a five-level ladder from 0% to 5% that it sums up as "up to 2%", without saying how a level is reached or what a point is worth. Treat 2.5% as an upper bound. On cost, USD spend is free and non-USD runs 1.7% + $0.10, cut to 1.02% if you pay for 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.
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
Common questions about the Rizon Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
