Lumo Card vs Rizon Card
Crypto native
Crypto native
Verdict
- Lumo Card and Rizon Card have the same overall score (6.2/10).
- Rizon Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Lumo Card is a good fit for
- People who want to keep control of their keys
Rizon Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Fees
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Lumo Card | Rizon Card |
|---|---|---|
| Fees | 84 | 100 |
| Cashback & rewards | – | 51 |
| Availability | – | 23 |
| FX & international | 30 | 32 |
| Product features | 70 | 70 |
| Custody & security | 80 | 80 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 6.0 |
| Best for Travel | 5.3 | 5.3 |
| Best for Self-Custody | 7.1 | 7.4 |
| Best for DeFi Users | 6.8 | 7.0 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | n/a | 5.9 |
| Best for Low Fees | 6.8 | 7.6 |
| Best for Beginners | 7.5 | 7.4 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Debit cardShow source
Network
VisaConditions apply: tap or hover for detailsShow source
Visa Platinum
Custody model
Self-custodyShow source
Self-custodyConditions apply: tap or hover for detailsShow source
Wallet powered by Privy; private keys stay with the user
Launch date
2026-07-01Conditions apply: tap or hover for detailsShow source
Wallet launch date, not necessarily card
Card issuer / program manager
Wirex (Basic); Interlace (Pro)Show source
Signify Holdings Inc. and Nimbus LLC (Rain)Show source
Tiers / plans
Lumo Basic · Lumo ProShow source
Standard · Rizon Emerald (from $5.59/month)Show source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Account maintenance; optional Rizon Emerald subscription from $5.59/month
Physical card fee
Not disclosedConditions apply: tap or hover for detailsShow source
Shown in the app only
Virtual card fee
Not disclosedConditions apply: tap or hover for detailsShow source
Shown in the app only
Replacement fee
Not disclosedConditions apply: tap or hover for detailsShow source
Shown in the app only
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Basic card: 1% plus 0.75% Lumo margin
1.7%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per non-USD card transaction; 1.02% with Rizon Emerald; USD spend free
Crypto conversion fee
0.4%Conditions apply: tap or hover for detailsShow source
Wallet swap fee; card spend conversion fee not separately stated
Top-up fee
FreeShow source
Crypto withdrawal fee
0.1%Conditions apply: tap or hover for detailsShow source
Plus network fee (on-chain withdrawal)
Transfer fee
0.1%Conditions apply: tap or hover for detailsShow source
International transfer: network fee + 0.1%; sending to another Rizon user is free
Other fees & markups
Lumo Pro card one-time issuance fee $3.99 · Top-ups and other card fees shown in the appShow source
Trading fee 1.7% (0.85% with Rizon Emerald)Show source
Cashback & rewards
Base cashback
2.5%Conditions apply: tap or hover for detailsShow source
On eligible purchases
Max cashback
2.5%Conditions apply: tap or hover for detailsShow source
Metal card with bigger cashback announced as coming soon
Cashback conditions
RizPoints earned on every purchase, redeemable for gifts and rewardsConditions apply: tap or hover for detailsShow source
Separate points program alongside cashback; higher RizPoints tiers unlocked by spending more
Availability
Available in
United States, Latin AmericaConditions apply: tap or hover for detailsShow source
Site-wide services restriction notice (Rizon Technologies, UAB); the same page also advertises 'Global dollar services outside the U.S.', so the notice may be shown per visitor region
Account / spend currencies
USD · EURConditions apply: tap or hover for detailsShow source
USD and EUR accounts in the Rizon app (virtual ACH & SEPA account)
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Annual cost at 1,500 EUR/month
Lumo Card
- Annual & monthly feesunknown
- FX costs−63 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Rizon Card
- Annual & monthly fees+0 EUR
- FX costs−61 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+450 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers