Rizon Card.
A US-issued Visa Platinum you can hold from outside the United States, sitting on top of a wallet you actually control: Privy creates the keys on your device, Rain deploys a smart-contract vault your wallet alone administers, and Rizon is only the interface. It solves a very specific and very real problem — foreign-issued cards being declined by US subscription and ad platforms — without asking you to hand custody to anyone.
Pros.
- +Deposits are free and spending in USD is free — on the official fee table both rows read 'Free' with and without a subscription
- +Account maintenance is free, so holding the card costs nothing if you spend in dollars
- +A genuinely US-issued Visa Platinum card, which is the whole point: US platforms that reject foreign-issued cards accept this one
- +Physical cards are released and available, not 'coming soon', and they support ATM withdrawals worldwide
- +The wallet is non-custodial — created through Privy, encrypted on your device, and it alone controls the Rain smart-contract vault your funds sit in
- +No bank, exchange or even Rizon can move your money out of that vault
- +2.5% cashback on eligible spend, redeemable straight to your Rizon balance
- +The Emerald subscription cuts FX from 1.7% + $0.10 to 1.02% and trading fees from 1.7% to 0.85%
- +No limits at all on deposits, card spend or sending — the official table says 'No limit' on every row
- +Apple Pay and Google Pay are supported and can be set up in a couple of taps from the app
- +Virtual accounts in AED, BRL, EUR, GBP, MXN, NGN, PHP, COP and USD, with ACH, SEPA, Wire, RTP and SWIFT rails plus local payouts in 50+ countries
- +Up to three active cards at once, and the app is localised into Spanish, Portuguese (Brazil), Bengali, Indonesian, Arabic and Urdu
Cons.
- −Card prices are not published at all: the official fees page lists virtual, physical, additional and replacement cards as 'Check app for the price'
- −That means you have to install the app and get through onboarding before you learn what the card actually costs
- −Non-USD spending is expensive on the free plan: 1.7% plus $0.10 per transaction, which is well above what several rivals charge
- −Getting the good FX rate of 1.02% requires the Emerald subscription at $5.59/month, so the cheap rate is a paid product
- −Cashback is real but bounded by the plan — Rizon caps it at the value of your subscription, so the 2.5% headline stops paying above a few hundred dollars of monthly spend
- −No ATM fee is published on the official fees page even though ATM withdrawal is advertised across the site
- −The website's own service restrictions notice states the products are intended solely for residents of the United States and Latin America, which contradicts the '122+ countries' claim on the homepage
- −The terms confirm it: Rizon does not actively market or offer its services in the EU or other regions outside the US and LATAM
- −Rizon is only a software layer — all regulated services, card issuance and custody come from Rain (Signify Holdings / Nimbus LLC), and Rizon disclaims all liability for their acts
- −The corporate structure is unusually layered: Rizon Global, Inc. (Delaware), Rizon Technologies UAB as commercial agent, Privy for wallets and Rain for cards
- −Full KYC and AML screening including PEP checks is mandatory before you can use anything
- −Physical card delivery is restricted to a published country list, and in the US to selected states only
Detailed fee breakdown.
Deposits are free, USD card spending is free and account maintenance is free — those three rows on the official fee table read 'Free' whether or not you subscribe. Non-USD card spending is where the cost sits: 1.7% plus $0.10 per transaction on the free plan, dropping to 1.02% with the Rizon Emerald subscription at $5.59/month, which also cuts trading fees from 1.7% to 0.85%. Sending to another Rizon user is free; international transfers and on-chain withdrawals cost the network fee plus 0.1%. Card prices are the notable gap: the official fees page lists the virtual card, physical card, additional card and card replacement all as 'Check app for the price', so we have left issuance empty rather than repeat catalogue figures we could not verify. No ATM fee is published either, despite ATM withdrawal being advertised. Limits are stated as 'No limit' for deposits, card spend and sending. Cashback is 2.5% on eligible purchases but capped at the value of your subscription plan.