Rizon Card Review 2026

Rizon Card Review 2026 — Fees, Cashback & Availability | Sweepbase

Card Overview

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.

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	1.5% FX on non-USD; 2.5% + $0.10 on non-USD transactions. Rizon Plus subscription cuts fees by 50%.
ATM Limit	Available with physical card; 2% + $3 fee
Spending Limit	Unlimited for verified users

Core Features

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

Supported Cryptocurrencies

The Rizon Card allows you to top up and spend using 1 supported digital asset. Your crypto is automatically converted to local fiat at the point of sale.

USDTTether

Who Is the Rizon Card Best For?

The Rizon Card is best suited for DeFi enthusiasts and privacy-conscious users who want to maintain control of their private keys right up to the point of purchase.

With 2% base cashback on all eligible purchases (up to 5% on future metal card tier, not yet available). Paid in RizPoints. cashback on eligible purchases, the Rizon Card rewards active spenders who use the card as their daily driver.

The card is currently available in US and Latin America residents; usable in 147+ countries — ideal for residents and frequent travellers in those areas.

Best for

Frequent spenders who want to earn 2% base cashback on all eligible purchases (up to 5% on future metal card tier, not yet available). Paid in RizPoints. cashback
DeFi users who prefer to keep self-custody of their assets
US residents looking for a crypto-native spending card

Avoid if

You're based in Europe — this card targets US users
You need traditional bank integration (IBAN, SEPA, direct debits)
You want a card backed by government deposit insurance (FDIC / FSCS)

Compare the Rizon Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.

Key Strengths & Considerations

Strengths

True self-custody; funds stay in your wallet until purchase; multi-network support (6 blockchains); no staking required
Earn 2% base cashback on all eligible purchases (up to 5% on future metal card tier, not yet available). Paid in RizPoints. cashback on eligible purchases
No annual maintenance fee
Accepted at 80 million+ Visa merchants worldwide
Self-custody — control your private keys until the point of purchase
Virtual card available instantly — no shipping required

Considerations

USDC/USDT only; physical card availability unclear; 1.5% FX fee; limited transparency on some fees; US/LatAm only
Card issuance fee: $10
Limited to certain regions — not globally available
KYC identity verification required to activate

How to Get the Rizon Card

Getting started with the Rizon Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.

Create a Rizon account

~5 minutes

Visit the official Rizon website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.

Complete KYC verification

1–3 business days

Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Rizon processes applications in line with AML and KYC regulations.

Fund your card

Usually instant

Once verified, top up your card balance using USDC USDT on Solana Polygon Arbitrum Avalanche Optimism Base (no pre-loading required; spends directly from wallet) via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.

Start spending immediately

Instant

Your virtual Rizon Card is available immediately in the Rizon app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.

Requirements

Minimum age18 years (21+ in some US states)

KYC levelStandard KYC — government-issued photo ID

ResidencyUS and Latin America residents; usable in 147+ countries

Minimum depositVaries by issuer — typically no minimum

Regional Availability

Available in the United States

The Rizon Card is primarily available to US residents. Availability may vary by state due to state-level money transmission licensing requirements. Check the issuer's website for details specific to your state.

Commonly supported states:

CaliforniaNew YorkTexasFloridaIllinoisWashingtonColoradoNew JerseyMassachusettsNevada

Frequently Asked Questions

The Rizon Card has an issuance fee of $10 and an annual fee of Free. The FX fee for foreign-currency transactions is 1.5% FX on non-USD; 2.5% + $0.10 on non-USD transactions. Rizon Plus subscription cuts fees by 50%.. ATM withdrawal limit: Available with physical card; 2% + $3 fee. Daily spending limit: Unlimited for verified users. Fee data was verified in March 2026 — always confirm the current schedule on the Rizon website.

Rizon is required to comply with KYC and AML regulations in the jurisdictions where it operates. Because the Rizon Card is a self-custody product, your crypto assets remain under your control until the moment of purchase, significantly reducing counterparty risk. Cryptocurrency is not covered by traditional deposit insurance (e.g. FDIC in the US or FSCS in the UK) in most jurisdictions.

The Rizon Card supports the following assets for top-up and spending: USDC USDT on Solana Polygon Arbitrum Avalanche Optimism Base (no pre-loading required; spends directly from wallet). When you make a purchase, the selected crypto is automatically converted to the local fiat currency at the prevailing rate. Supported assets may change — consult the Rizon app for the current list.

The Rizon Card offers 2% base cashback on all eligible purchases (up to 5% on future metal card tier, not yet available). Paid in RizPoints. cashback on eligible card purchases. Rewards are typically distributed in Rizon's native token or a supported stablecoin. Specific terms, earning caps, qualifying spend categories, and any minimum balance or tier requirements are set by Rizon — check the app or rewards page for full details.

The Rizon Card is available in: US and Latin America residents; usable in 147+ countries — including 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. Availability can change as Rizon expands its licensing. If your country is not listed, check the Rizon website directly for the latest information.

The Rizon Card has an ATM withdrawal limit of Available with physical card; 2% + $3 fee. The daily spending limit is Unlimited for verified users. Higher limits may be available for verified or premium account holders. Contact Rizon support to request an increase.