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Rizon Card vs Wirex Card

Rizon Card

Crypto native

6.2
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Wirex Card

Crypto native

6.4
Get the card

Verdict

  • Wirex Card scores higher overall (6.4 vs 6.2 out of 10).
  • Rizon Card is clearly stronger on: Cashback & rewards.
  • Wirex Card is clearly stronger on: FX & international.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

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: Cashback & rewards

Wirex Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: FX & international

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesRizon Card vs ether.fi CashWirex Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionRizon CardWirex Card
Fees100100
Cashback & rewards5126
Availability23–
FX & international32100
Product features7070
Custody & security80–
Credit & financing–30
Limits & ATM–64
Transparency10093
Best for Cashback6.05.2
Best for Travel5.37.9
Best for Self-Custody7.4n/a
Best for DeFi Users7.05.6
Best for Stablecoins7.17.4
Best for High Spenders5.95.8
Best for Low Fees7.69.4
Best for Beginners7.47.1

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

Visa / MastercardConditions apply: tap or hover for detailsShow source

Visa or Mastercard depending on region

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

Wallet powered by Privy; private keys stay with the user

No data yet

Card issuer / program manager

Signify Holdings Inc. and Nimbus LLC (Rain)Show source
No data yet

Tiers / plans

Standard · Rizon Emerald (from $5.59/month)Show source
Standard · Premium · EliteConditions apply: tap or hover for detailsShow source

Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)

Fees

Annual fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

No annual card fee; paid X-tras plans are billed monthly

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Account maintenance; optional Rizon Emerald subscription from $5.59/month

FreeConditions apply: tap or hover for detailsShow source

Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year

Physical card fee

Not disclosedConditions apply: tap or hover for detailsShow source

Shown in the app only

FreeConditions apply: tap or hover for detailsShow source

Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)

Virtual card fee

Not disclosedConditions apply: tap or hover for detailsShow source

Shown in the app only

No data yet

Replacement fee

Not disclosedConditions apply: tap or hover for detailsShow source

Shown in the app only

No data yet

FX fee

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

0%Conditions apply: tap or hover for detailsShow source

As stated on this help article

Top-up fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country

Crypto withdrawal fee

0.1%Conditions apply: tap or hover for detailsShow source

Plus network fee (on-chain withdrawal)

No data yet

ATM fee

No data yet
2%Conditions apply: tap or hover for detailsShow source

EEA: after 200 EUR free monthly

Free ATM allowance

No data yet
€200/monthConditions apply: tap or hover for detailsShow source

EEA, per month

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

No data yet

Other fees & markups

Trading fee 1.7% (0.85% with Rizon Emerald)Show source
Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violationsShow source

Cashback & rewards

Base cashback

2.5%Conditions apply: tap or hover for detailsShow source

On eligible purchases

0.5%Conditions apply: tap or hover for detailsShow source

Standard plan, Entry tier

Max cashback

2.5%Conditions apply: tap or hover for detailsShow source

Metal card with bigger cashback announced as coming soon

8%Conditions apply: tap or hover for detailsShow source

Elite plan (€29.99/month) at the Ultimate WXT-lock tier

Cashback paid in

No data yet
WXTShow source

Cashback type

No data yet
CryptoConditions apply: tap or hover for detailsShow source

Cryptoback rewards program

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

Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT lockedShow source

Staking / holding required for top rewards

No data yet
YesConditions apply: tap or hover for detailsShow source

Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)

Staking asset

No data yet
WXTShow source

Reward exclusions

No data yet
Cash withdrawals · TransfersShow source

Credit & financing

Credit line

No data yet
NoConditions apply: tap or hover for detailsShow source

debit card

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

No data yet

Account / spend currencies

USD · EURConditions apply: tap or hover for detailsShow source

USD and EUR accounts in the Rizon app (virtual ACH & SEPA account)

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
No data yet

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesShow source
YesShow source

Annual cost at 1,500 EUR/month

Rizon Card

  • Annual & monthly fees+0 EUR
  • FX costs−61 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+450 EUR
  • Net annual valuenot enough data

Wirex Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Rizon Card comparisons

More Wirex Card comparisons