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Rizon
RizonVirtual + Physical

Rizon

Rizon is a stablecoin-first Visa card with 2.5% USD cashback and RizPoints rewards, accepted at 100M+ merchants across 147+ countries. Tiers: Virtual (Apple Pay/Google Pay), Physical Plastic (global ATMs) and Metal Premium (coming). Rizon Emerald membership cuts FX, trading and ATM fees by 50%. Plus USD/EUR accounts, tokenized stocks and perpetual futures — a crypto super-app. 500K+ users, featured in Forbes and TechCrunch.

5.0
Global, Asia, Europe, Americas, Middle East, Africa, Oceania Visa Visit website

Overview

Rizon is a stablecoin-first Visa card and fintech super-app that lets you spend stablecoins anywhere Visa is accepted — at 100M+ merchants across 147+ countries — earning 2.5% cashback on every eligible purchase. The official tagline: The stablecoin card for everyday life.

What sets Rizon apart

  • 2.5% USD cashback on every eligible purchase — online, in store, or at ATMs.
  • RizPoints loyalty — 1 RP per $1 spent, redeemable for rewards and exclusive perks.
  • 100M+ merchants accepting Visa worldwide, across 147+ countries.
  • 500K+ users (per official site).
  • Featured in Forbes, TechCrunch, The Guardian, Wired and Bloomberg.

Three card tiers

  • Virtual Card — get a card in seconds, add it to Apple Pay or Google Pay, spend instantly. Easy pay for online spend and subscriptions; control all virtual cards in-app.
  • Physical Plastic Card — tap or chip & PIN everywhere, withdraw cash at ATMs worldwide, delivered globally. Lock/unlock and manage your PIN right in the app. Use it for hotel check-ins, car rentals and deposits where virtual cards aren't accepted. Free for Emerald members.
  • Metal Premium Card (Coming Soon) — weighted metal card that works anywhere. Durable premium build — stands out at restaurants, hotels and lounges. Access elevated perks, bigger cashbacks and priority support.

Rizon Emerald membership

Rizon Emerald is a subscription membership that cuts FX, trading and transaction fees by up to 50%. From ~$5.59/month (shown at ~$7.08 monthly net cost after cashback offset), it includes:

  • Free physical card (~$2.75 for the virtual card).
  • Non-USD card spend drops to 1.02% FX (from 1.7% + $0.10).
  • Trading fee drops to 0.85% (from 1.7%).
  • ATM withdrawals from ~$0.10 per withdrawal.

Super-app beyond the card

  • USD account & EUR account — manage stablecoins alongside fiat.
  • Tokenized stocks trading.
  • Perpetual futures trading.
  • Instant & free transfers between Rizon users.
  • International send at network fee + 0.1%.
  • On-chain withdrawal at network fee + 0.1%.

How it works

  • 1. Download the Rizon app.
  • 2. Choose your card — virtual or physical.
  • 3. Receive plastic at your door or use the virtual card instantly.

App languages

  • English, Spanish, Portuguese (Brazil), Bengali, Indonesian.

Regulatory status

Rizon is a fintech service provider (not a bank) issuing Visa cards through third-party banking partners. KYC is required for all card issuance.

For whom

Rizon is built for stablecoin holders worldwide who want a single app to spend crypto like cash at 100M+ merchants, earn 2.5% USD cashback, hold USD/EUR accounts in-app, trade tokenized stocks and perpetuals, and send value instantly — all with optional Emerald membership that halves the FX, trading and ATM fees.

Rizon is a stablecoin-first Visa paying 2.5% in USD plus RizPoints, available in the US, UK and Germany. OrbitX also pairs stablecoin accounts with published card tiers, and Rebind adds interest on a euro balance instead of cashback. The crypto cards directory compares the reward structures.

Features & Benefits

The stablecoin card for everyday life

  • Stablecoin-first Visa card accepted at 100M+ merchants worldwide across 147+ countries.
  • 500K+ users (per official site).
  • Featured in Forbes, TechCrunch, The Guardian, Wired and Bloomberg.

Three card tiers

  • Virtual Card — get a card in seconds, add to Apple Pay or Google Pay, start spending immediately. Easy pay for online and subscriptions, control all virtual cards in-app.
  • Physical Plastic Card — tap, chip & PIN everywhere, withdraw cash at ATMs worldwide, globally delivered. Manage limits, lock/unlock, and PIN right in the app. Use for hotel check-ins, car rentals and deposits where virtual cards aren't accepted.
  • Metal Premium Card (Coming Soon) — weighted metal card that works anywhere. Durable, premium build — stands out at restaurants, hotels and lounges. Access elevated perks, bigger cashbacks and priority support.

Cashback & rewards

  • 2.5% cashback in USD on every dollar spent (on eligible purchases) — online, in store, or at ATMs.
  • 1 RizPoint per $1 spent — redeemable for rewards and exclusive perks.
  • Up to 5% cashback available on ad-spend use cases (per the Pay for Ad Services page).

Rizon Emerald membership

  • From ~$5.59/month (shown at ~$7.08 monthly net cost after cashback offset).
  • Cuts FX, trading and transaction fees by up to 50%.
  • Physical card free; virtual card $2.75 under Emerald.
  • Non-USD card spend drops to 1.02% FX (vs 1.7% + $0.10 without).
  • Trading fee drops to 0.85% (vs 1.7%).
  • ATM withdrawals at ~$0.10 per withdrawal.

Super-app features (beyond the card)

  • USD account & EUR account.
  • Tokenized stocks trading.
  • Perpetual futures trading.
  • Instant & free transfers between Rizon users.
  • International send: network fee + 0.1%.
  • On-chain withdrawal: network fee + 0.1%.

How it works

  • 1. Download the Rizon App.
  • 2. Choose your card — Virtual or Physical.
  • 3. Receive plastic at your door or use a virtual card instantly.

App languages

  • English, Spanish, Portuguese (Brazil), Bengali, Indonesian.

Accepted at major merchants

  • Amazon, Netflix, Uber, Spotify, Airbnb, PayPal, eBay, KFC, McDonald's, Nike, Alibaba, TikTok, YouTube, PlayStation, ASOS, Facebook and more.

Supported Cryptocurrencies

Rizon is a stablecoin-first card — you fund the app with stablecoins (USDT, USDC, USDe), and the Visa card spends those stablecoins at 100M+ merchants worldwide. Non-stablecoin crypto can be swapped in-app via Rizon's trading engine (1.7% fee, 0.85% on Emerald) and used to fund card spend.

Card spend assets (primary)

  • USDT — Tether.
  • USDC — Circle USD Coin.
  • USDe — Ethena's stablecoin (when supported).

Wallet support & swap

  • BTC, ETH, SOL, BNB, XRP and more — supported in the Rizon wallet and swappable in-app to USDT/USDC for card spend (1.7% trading fee — 0.85% on Emerald).
  • Move between digital assets with in-app Swap.

Funding methods

  • Crypto deposit — on-chain (network fee + 0.1% if applicable).
  • Send from another Rizon user — free instant transfer via email, SMS or Rizon UID.
  • International transfer receive — bank/local-rail inbound credit (network fee + 0.1% on the outbound side).
  • USD and EUR account deposits maintained in-app at no maintenance cost.

Direct spend from non-stablecoin crypto

Not the card's primary flow. Spend draws from your stablecoin balance; convert other crypto to USDT/USDC via in-app Swap before card spend. On-chain withdrawals at network fee + 0.1%.

Fees & Limits

Account fees (per official /fees-and-limits)

  • Card issuance (Virtual): Check app for the price — $2.75 under Emerald.
  • Card issuance (Physical): Check app for the price — free under Emerald.
  • Additional card: Check app.
  • Card replacement: Check app.
  • Account maintenance: Free.
  • Rizon Emerald membership: ~$5.59–$7.08 per month (cuts fees by up to 50%).

Card spend & FX

  • USD transactions: Free.
  • Non-USD transactions: 1.7% + $0.10 without Emerald.
  • Non-USD transactions with Emerald: 1.02% (50% off FX).

Transfers & withdrawals

  • Send to a Rizon user: Free.
  • Send (International transfer): Network fee + 0.1%.
  • On-chain Withdrawal: Network fee + 0.1%.
  • ATM withdrawals: from ~$0.10 per withdrawal on Emerald (non-Emerald rates higher — verify in-app).

Trading

  • Trading fee: 1.7% without Emerald.
  • Trading fee with Emerald: 0.85%.

Limits (per /fees-and-limits)

  • Deposit: No limit.
  • Card spend: No limit.
  • Send limit (email, SMS, Rizon user, wallet): No limit.
  • Extended limits (KYC tier / region) listed on /fees-and-limits/extended.

Always verify in-app

Pricing, fees and Emerald perks change periodically. Always confirm the live schedule in the Rizon app for your region before applying.

Pros & Cons

Pros

  • 2.5% USD cashback on every eligible purchase — far above the crypto card average, paid in cash not points
  • 1 RizPoint per $1 spent — extra loyalty rewards redeemable for perks
  • Three tiers — Virtual (instant, Apple Pay/Google Pay), Physical Plastic (global ATMs, free for Emerald) and a weighted Metal Premium card (Coming Soon)
  • Free USD card spend for everyone, no monthly fee required
  • Rizon Emerald membership discounts FX to ~1.02%, trading to 0.85% and ATM to ~$0.10 — substantial savings for active users
  • Card accepted at 100M+ merchants across 147+ countries via Visa — including Amazon, Netflix, Uber, Spotify, Airbnb, PayPal, eBay, KFC, McDonald's, Nike and more
  • Instant & free transfers between Rizon users — peer payments without network fees
  • Beyond the card: USD/EUR accounts, tokenized stocks, perpetual futures — a true crypto super-app
  • Crisp app-first onboarding with mobile app, lock/unlock and PIN management
  • Account maintenance free for all users
  • Listed in Forbes, TechCrunch, The Guardian, Wired and Bloomberg — credible press
  • Transparent public pricing schedule on /fees-and-limits — easy to compare vs RedotPay and Kast (Rizon publishes a comparison calculator)
  • Extended limits reported as 'no limit' on deposit, card spend and peer sends
  • 5% cashback available on Rizon Pay-for-Ad-Services flow for advertisers

Cons

  • Card issuance fees aren't disclosed on the public /card page — 'Check app for the price' for both virtual and physical cards
  • Unless you subscribe to Rizon Emerald (~$5.59-7.08/mo), non-USD card spend carries a 1.7% + $0.10 FX fee — above the Visa card-scheme rate
  • Metal Premium card shown as 'Coming Soon' — perks and cashback tiers not yet finalized
  • Not a bank — Visa card issued through third-party banking partners
  • Region-restricted features: tokenized stocks, perpetual futures, USD/EUR accounts and Emerald pricing may not be available in every supported country
  • Cashback capped at subscription-equivalent value and limited to eligible purchases (per comparison page footnote), not unlimited
  • KYC required for card issuance — not a no-KYC card
  • RizPoints have varying redemption rules — confirm in-app rewards terms
  • Trading fee of 1.7% (0.85% with Emerald) on in-app swap applies on top of card fees where applicable
  • Specific fees, limits and Emerald perks change periodically — verify the live schedule in-app before applying
  • Comparatively newer entrant vs RedotPay/Kast — smaller user base (100K vs millions of users)

Frequently Asked Questions

What is Rizon?

Rizon is a stablecoin-first Visa card and fintech super-app that lets you spend stablecoins anywhere Visa is accepted — at 100M+ merchants across 147+ countries — earning 2.5% cashback on every eligible purchase via 1 RizPoint per $1. Beyond the card, Rizon adds a USD/EUR account, tokenized stocks, perpetual futures and instant transfers between Rizon users.

What card types does Rizon offer?

Three tiers: Virtual (get a card in seconds, add to Apple Pay/Google Pay, perfect for online spend and subscriptions), Physical Plastic (tap or chip & PIN, global ATM withdrawals, delivered worldwide — free for Emerald members) and Metal Premium (Coming Soon — weighted metal card with elevated perks, bigger cashbacks and priority support).

How does Rizon cashback work?

2.5% cashback in USD on every eligible purchase — earned online, in-store and at ATMs — plus 1 RizPoint per $1 spent, redeemable for rewards and exclusive perks. Cashback is reported as capped at subscription-equivalent value; full rules in-app.

Where can I use the Rizon card?

147+ countries, with 100K+ global users and 100M+ merchants accepting the card via Visa. The card works at major merchants like Amazon, Netflix, Uber, Spotify, Airbnb, PayPal, eBay, KFC, McDonald's, Nike, ASOS and more (per the official site).

What is Rizon Emerald?

Rizon Emerald is a membership plan (from ~$5.59/month, shown at ~$7.08 monthly net cost after pricing offset) that cuts FX, trading and transaction fees by up to 50%. With Emerald: non-USD card spend drops to 1.02% FX, trading fees to 0.85%, ATM to ~$0.10, plus members get a free physical card (~$2.75 virtual card fee).

What are Rizon's transaction and send fees?

Per /fees-and-limits: Deposits are free; USD card spend is free; non-USD card spend is 1.7% + $0.10 (1.02% with Emerald); Send to a Rizon user is free; Send international = network fee + 0.1%; On-chain Withdrawal = network fee + 0.1%; Trading fee 1.7% (0.85% with Emerald). Account maintenance is free.

What are Rizon's spend and deposit limits?

Per /fees-and-limits: Deposit — no limit; Card spend — no limit; Send limit (email, SMS, Rizon user, wallet) — no limit. Specific card issuance, additional card and card replacement fees are disclosed in-app.

Is there a Rizon card fee listed anywhere?

Card issuance fees for virtual and physical cards and the Metal Premium card's fee/perks are all 'Check app for the price' on the public site — you must download the Rizon app to see current pricing for your region. Emerald mark makes the physical card free.

What other Rizon features exist besides the card?

Beyond the card, Rizon adds: USD and EUR accounts, tokenized stocks trading, perpetual futures trading, instant transfers between Rizon users (free), international crypto send with network + 0.1% fee, and on-chain withdrawals at network fee + 0.1%.

Is Rizon a bank?

Above the card itself, Rizon offers USD and EUR accounts, tokenized stocks trading, perpetual futures, instant transfers between Rizon users, on-chain withdrawal, and a RizPoints rewards program — positioning it as a fuller crypto super-app, not just a card.

Fees at a Glance

Setup / IssuanceFree
Monthly feeFree
Annual feeFree
ATM withdrawalGlobal ATM withdrawals on the physical card (Visa). Rizon Emerald members pay ~$0.10 per withdrawal; non-Emerald rates are higher and disclosed in app.
FX feeUSD card spend: Free. Non-USD spend: 1.7% + $0.10 — drops to ~1.02% with Rizon Emerald.
CashbackUp to 2.5%
Spending limitNo limit on card spend, deposit and peer sends (per official /fees-and-limits). Extended limits per region and KYC tier listed at /fees-and-limits/extended. ATM withdrawal caps and plastic-card delivery availability vary by country — verify in-app.

Supported Coins

USDTUSDCUSDeBTCETHSOLBNBXRP

Fiat Currencies

USDEUR

Available In

United StatesUnited KingdomGermanyFranceSpainItalyPolandNetherlandsBrazilPortugalArgentinaMexicoIndonesiaBangladeshIndiaUnited Arab EmiratesTurkeySaudi ArabiaNigeriaSouth Africa147+ countries globally
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