CoinsOnCards

    Rizon CardReview

    Non-custodial Visa debit card for spending USDC/USDT from a user-controlled wallet.

    4.0· Updated: Launch of RIZpoints rewards program
    Visit issuer
    Cashback
    Up to 5.0%
    Custody
    self_custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Self-custody users in the US/LATAM spending USDC/USDT.

    Skip if: You need to spend BTC/ETH or require >$250 daily ATM access.

    • Spend self-custodied USDC/USDT on the Visa-network.
    • Earns 5% cashback in RIZpoints, but only supports USDC/USDT.
    • No monthly fees, but a 1.5% FX fee applies abroad.
    Get the Rizon Card

    How it works

    Funding: USDC on supported chains · USDT on supported chains · ACH transfers (US) · SEPA transfers (EU) · Apple Pay/Google Pay top-ups · Credit/debit card funding

    Rewards calculator

    Estimated cashback
    $100
    Effective rate 5.0%
    • $0–∞ @ 5.0% → $100 on $2,000

    Tier requirements & loyalty

    Referrals: Up to 20 RIZpoints (valued $200) for each successful referral. Maximum of 10 friends can be referred for a total of $400 in rewards.

    Fees

    annual feeFree
    top up feeFree for stablecoin deposits (network fees apply); fees vary for ACH/SEPA/Card top-ups.
    monthly feeFree
    issuance fee$1 (Virtual Card)
    atm withdrawal fee2% + $3.00 (USD); $3.00 + 2% + 2% FX fee (Non-USD)
    foreign transaction fee1.5%
    BankingSEPA: true · Virtual accounts: true · USD and EUR Accounts with virtual ACH/SEPA account functionality. ACH transfers (US) and SEPA transfers (EU) supported for top-ups.

    Custody & risk

    • If the issuer disappears
      While non-custodial, the smart contract is assigned and managed in part by the card issuer (Rain) after KYC. The user's linked wallet is the sole administrator.
    • Counterparty risk
      No explicit mention of insurance for crypto deposits. Funds in stablecoins on-chain are not FDIC-insured.
    • Market risk
      New platform with less established track record compared to competitors

    Users retain full control of private keys via an on-device wallet (Privy). Stablecoins remain in a user-controlled smart contract until the point of purchase, at which time they are converted to fiat.

    Protections

    • Face ID
    • Touch ID
    • Device passkeys
    • Biometric verification
    • Two-factor authentication
    • Transaction alerts
    • Freeze card from app
    • Terminate card from app
    • Encryption of all sensitive data in transit and at rest

    Insurance & coverage: No explicit mention of insurance for crypto deposits

    Custody partners: Privy (on-device key management), Rain (card infrastructure)

    Limits

    notes
    No limit on deposits to Rizon wallet. No explicit limits on stablecoin sending or receiving.
    atm daily
    $250 per day maximum
    daily spending
    No preset maximum limit beyond available balance
    per transaction
    No preset maximum limit beyond available balance
    monthly spending
    No preset maximum limit beyond available balance

    The good

    • No monthly or annual account maintenance fees.
    • Instant virtual card issuance upon verification.
    • Supports deposits on Solana, Polygon, and Base.
    • 5% cashback in RIZpoints on purchases.

    The catches

    • Only supports spending USDC and USDT.
    • $250 daily maximum ATM withdrawal limit.
    • High ATM fees: 2% + $3.00 for USD.

    Limitations

    • majorNew customer registration currently limited to US and Latin America residents
    • moderateLimited to USDC and USDT stablecoins only - no support for BTC, ETH, or other cryptocurrencies
    • moderate$250 daily ATM withdrawal limit may be restrictive
    • moderateHigh ATM fees - 2% + $3.00 for USD withdrawals, higher for foreign currency
    • minorPhysical card status unclear and inconsistently marketed
    • minorSome fees and reward rules lack transparency
    • minorNew platform with less established track record compared to competitors

    What users say

    No public user ratings available yet. Early users report positive experiences with the sign-up process, KYC verification, and card functionality.

    Rating breakdown

    Net reward
    4.3
    Custody risk
    5.0
    Availability
    3.5
    Features & convenience
    3.5

    See our methodology for how we score each axis.