Image: Rizon

Rizon Card review: fees, cashback and limits

Name: Rizon Card
Brand: Rizon

A self-custody stablecoin card with US and EUR account details and up to 2.5% back.

By Taimoor, founder and editor Last checked 16 October 2026 2 sources

6.5out of 10

Quick answer

Rizon is a self-custody Visa Platinum card that spends USDC or USDT on Polygon, Optimism or Arbitrum, with US and EUR account details built in. The free Standard plan has no cashback and charges 1.7% on international and trading. Gold ($3.99 a month) pays 1% and Emerald ($6.99 a month) pays 2.5%, with lower fees. ATM withdrawals cost $1 plus 0.65%. Eligibility depends on your passport across about 50 nationalities.

Rizon at a glance

Best for	Freelancers and remote workers who want USD account details and a self-custody card.
Skip it if	You live in the UK or most of Europe, or you want cashback without a subscription.
Network	Visa
Card issuer	Third National
Custody	Self-custody smart wallet
Card type	Collateralised charge card (0% APR)
Virtual or physical	Virtual and physical
Cashback	0% to 2.5% by plan
Annual fee	Standard free. Gold $3.99 a month. Emerald $6.99 a month (3-month minimum).
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	About 50 eligible nationalities, based on passport.

Rizon fees

Card cost	Standard: virtual $10, physical $49.99. Gold: virtual free, physical $24.99. Emerald: both included.
Annual or membership fee	Standard free. Gold $3.99 a month. Emerald $6.99 a month (3-month minimum).
FX and cross-border	1.7% Standard, about 1.28% Gold, about 1.02% Emerald
Crypto conversion	Trading fee 1.7% Standard, about 1.28% Gold, 0.85% Emerald
ATM withdrawals	$1 plus 0.65%
Other fees	Small-transaction fee: $0.50, $0.38 or $0.25 by plan

Visa applies its own exchange rate on top of any card markup. Check the fee page in the Rizon app for your country before you load money. To see what Rizon would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Rizon

$0.00Paid from stablecoins in the card's own currency

$1.70Paid from stablecoins in a foreign currency

$1.70Paid from other crypto, like BTC or ETH

$0Cashback on $100, Standard tier

These are Rizon's own fees on the Standard tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 1.7% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 15 of them. For a full year based on your own spending, use the cost calculator.

Cashback and rewards

Standard 0%, Gold 1%, Emerald 2.5%
Caps apply. Insurance, rent, utilities and other categories are excluded.
RizPoints accrue alongside cashback

Tier	Price or requirement	Cashback	Notes
Standard	Free	0%	1.7% FX and trading
Gold	$3.99/month	1%	Lower fees
Emerald	$6.99/month	2.5%	Physical card included

Deposits and withdrawals

How to top up

USDC or USDT on Polygon, Optimism or Arbitrum
US and EUR account details for bank deposits

Fees: Network gas onchain. Trading fee when converting.

How to withdraw

Send stablecoins to any wallet
ATM withdrawals

Fees: ATM $1 plus 0.65%.

Supported assets: USDC and USDT on Polygon, Optimism and Arbitrum.

Where Rizon works

About 50 eligible nationalities, based on passport.

Not available to residents of Canada, Chile, China, Hong Kong, India, South Korea, Taiwan, Turkey, Nigeria, the UK and most of Europe.

Global

Limits and perks

Limits

Not published

Perks

US account details in about a minute

Pros and cons

What's good

Self-custody with US and EUR account details
Up to 2.5% back on Emerald
Cheap ATM fees

What's not

Cashback needs a paid plan
1.7% FX on the free plan
Not for most of Europe or the UK

Our take on Rizon

Rizon targets people who earn in dollars but don't live in the US. You get a self-custody Visa card that spends USDC or USDT, plus US and EUR account details for receiving payments. Eligibility is based on your passport, across about 50 nationalities.

The free plan has no cashback and charges 1.7% on international spending. The paid plans lower those fees and add cashback: 1% on Gold at $3.99 a month and 2.5% on Emerald at $6.99 a month. ATM withdrawals cost just $1 plus 0.65%.

A solid choice for remote workers who need USD account details, especially on Emerald.

How we scored Rizon: 6.5/10

Methodology

Fees 30%

6 Cheap ATM, but 1.7% FX on the free plan.

Rewards 20%

5 Up to 2.5% on a paid plan.

Control 20%

8 Self-custody.

Reach 15%

6 About 50 nationalities, not the UK or most of Europe.

Flexibility 15%

8 USD and EUR account details plus stablecoins.

Rizon FAQ

How much does the Rizon Card cost?

Standard: virtual $10, physical $49.99. Gold: virtual free, physical $24.99. Emerald: both included. Annual or membership fee: Standard free. Gold $3.99 a month. Emerald $6.99 a month (3-month minimum).

Does Rizon have cashback?

0% to 2.5% by plan. Standard 0%, Gold 1%, Emerald 2.5%.

What are the Rizon FX and ATM fees?

FX: 1.7% Standard, about 1.28% Gold, about 1.02% Emerald. ATM: $1 plus 0.65%.

Where is Rizon available?

About 50 eligible nationalities, based on passport. Not available to residents of Canada, Chile, China, Hong Kong, India, South Korea, Taiwan, Turkey, Nigeria, the UK and most of Europe.

Is Rizon self-custody?

Self-custody smart wallet.

Sources

SpendNode: Rizon reviewPlans, fees, custody, countries, verified Oct 6, 2026
CoinGecko: Best crypto cards2.5% cashback, ATM fee

We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.