Bybit Card vs Rizon Card
Crypto native
Crypto native
Verdict
- Bybit Card scores higher overall (7.2 vs 6.2 out of 10).
- Bybit Card is clearly stronger on: Availability, FX & international.
- Rizon Card is clearly stronger on: Fees, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bybit Card is a good fit for
- Frequent travellers
Stronger on: Availability, FX & international
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, Transparency
★ 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 | Bybit Card | Rizon Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | 48 | 51 |
| Availability | 100 | 23 |
| FX & international | 80 | 32 |
| Product features | – | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | – |
| Limits & ATM | 62 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 6.5 | 6.0 |
| Best for Travel | 7.5 | 5.3 |
| Best for Self-Custody | n/a | 7.4 |
| Best for DeFi Users | 6.3 | 7.0 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | 6.0 | 5.9 |
| Best for Low Fees | 8.2 | 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
MastercardShow source
VisaConditions apply: tap or hover for detailsShow source
Visa Platinum
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyConditions apply: tap or hover for detailsShow source
Wallet powered by Privy; private keys stay with the user
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
Signify Holdings Inc. and Nimbus LLC (Rain)Show source
Tiers / plans
Standard · Rizon Emerald (from $5.59/month)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
No application or annual fee; other fees such as exchange fees may apply
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Account maintenance; optional Rizon Emerald subscription from $5.59/month
Physical card fee
€5Conditions apply: tap or hover for detailsShow source
Issuance fee, payable in EUR or USDT
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
0.5%Conditions apply: tap or hover for detailsShow source
Marketing pages claim 0%
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
0.9%Conditions apply: tap or hover for detailsShow source
On top of the spot rate
Top-up fee
FreeShow source
Crypto withdrawal fee
0.1%Conditions apply: tap or hover for detailsShow source
Plus network fee (on-chain withdrawal)
ATM fee
2% (min. $1)Conditions apply: tap or hover for detailsShow source
On monthly withdrawals above €100 (EEA)
Free ATM allowance
€100/monthConditions apply: tap or hover for detailsShow source
EEA
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
Trading fee 1.7% (0.85% with Rizon Emerald)Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Non-VIP users, no monthly cap
2.5%Conditions apply: tap or hover for detailsShow source
On eligible purchases
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Up to; marketing claim, tier based on total Bybit portfolio value
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
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Tiers depend on portfolio value instead
Credit & financing
Credit line
NoShow source
Availability
Available in
EEA, SwitzerlandConditions apply: tap or hover for detailsShow source
Select EEA countries; Bybit pages conflict on which EEA countries are excluded
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
Not available in
United StatesShow source
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
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Security & custody
Regulation / licences
Harmoniie SAS: e-money and payment services authorised by the ACPR (Banque de France), CIB 17478, passported in the EEAShow source
Annual cost at 1,500 EUR/month
Bybit Card
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual value162 EUR
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