What Are RizPoints?
RizPoints (RP) are loyalty points you earn every time you spend with Rizon. They work like a scorecard of loyalty and unlock cashback, perks, and privileges based on your subscription plan.
Plans Overview
Rizon offers three subscription plans. Cashback and fee discounts are available only to active Rizon subscribers (Gold or Emerald).
Standard Plan - Free for everyone
0% cashback
No discounts on transaction fees
Physical card: $49.99 (no priority - drops June)
Virtual card: $10
RizPoints: 1 RP per $10 spent
Gold Plan - $3.99 / month
1% cashback
25% off all transaction fees
Physical Visa Platinum Card: $49.99 → $24.99 (Priority Access - Drops June)
Virtual Visa Platinum Card: Free (was $10)
RizPoints: 1 RP per $5 spent
25% off FX fees (1.70%+$0.10 → 1.275%)
25% off Small tx fee ($0.50 → $0.38)
25% off Trading fee (1.7% → 1.275%)
25% off Declined tx fee ($0.10 → $0.08)
50% off Bank account opening fee ($1.99 → $0.99)
25% discount on pay-in and pay-out fees
* Minimum 3-month commitment required ($9.58 total)
Emerald Plan - $6.99 / month
2.5% cashback
50% off all transaction fees
Physical Visa Platinum Card: FREE (was $49.99) (Priority Access - Drops June)
Virtual Visa Platinum Card: Free (was $10)
RizPoints: 1 RP per $2 spent
40% off FX fees (1.70%+$0.10 → 1.02%)
50% off Small tx fee ($0.50 → $0.25)
50% off Trading fee (1.7% → 0.85%)
50% off Declined tx fee ($0.10 → $0.05)
FREE Bank account opening (was $1.99)
45% discount on pay-in and pay-out fees
* Minimum 3-month commitment required ($20.97 total)
Earning Rules for RizPoints
Plan | Points Rate | Cashback |
Standard (Free) | 1 RP / $10 spent | 0% |
Gold ($3.99/mo) | 1 RP / $5 spent | 1% |
Emerald ($6.99/mo) | 1 RP / $1 spent | 2.5% |
Full Plan Comparison
Feature | Standard | Gold | Emerald |
Monthly Price | Free | $3.99/mo | $6.99/mo |
Cashback | 0% | 1% | 2.5% |
Points Rate | 1 RP / $10 spent | 1 RP / $5 spent | 1 RP / $1 spent |
FX Fees | 1.70% + $0.10 | 1.275% (25% off) | 1.02% (40% off) |
Small Tx Fee | $0.50 | $0.38 (25% off) | $0.25 (50% off) |
Trading Fee | 1.7% | 1.275% (25% off) | 0.85% (50% off) |
Declined Tx Fee | $0.10 | $0.08 (25% off) | $0.05 (50% off) |
Transaction Fees | No discount | 25% off all tx fees | 50% off all tx fees |
Physical Visa Platinum Card | $49.99 | $24.99 (50% off) | Free |
Virtual Visa Platinum Card | $10 | Free | Free |
Bank Account Opening Fee | $1.99 | $0.99 (50% off) | Free |
Pay-in Fees Discount | – | -25% | -45% |
Pay-out Fees Discount | – | -25% | -45% |
Card Design | Plastic | Plastic | Plastic |
Priority Support 24/7 | – | – | – |
Physical Card Note | Priority: No (Drops June) | Priority Access (Drops June) | Priority Access (Drops June) |
General Notes
Cashback % applies to all eligible spend, excluding restricted categories (gambling, crypto purchases, etc.).
Only card purchases count. Transfers, account top-ups, and refunded transactions do not qualify. For details on excluded transactions, please refer to the list of MCC categories not eligible for cashback.
Cashback stacks with point earnings - you always earn both simultaneously.
Physical card is included with subscription. A minimum 3-month commitment is required.
Physical card has Priority Access and drops in June (all paid plans).
Standard plan users have no priority access for the physical card.
Cashback is capped at your monthly subscription fee (e.g. max $3.99 on Gold, $6.99 on Emerald)