The Ripio Card earns 0.5-2% cashback on a Visa debit card with no annual fee, available in LATAM + US + Spain (8 countries).
Ripio is a Latin American crypto exchange and wallet founded in Argentina in 2013 by Sebastián Serrano, with operations across Argentina, Brazil, Mexico, Colombia, Chile, Uruguay, the US, and Spain. In 2021 Ripio acquired Brazilian exchange BitcoinTrade, and in 2023 it launched a US dollar-pegged stablecoin.
The Ripio Card is a crypto debit card offered by Ripio, available in LATAM + US + Spain (8 countries). It offers 0.5-2% cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card. It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our regional guides for the US and Latin America. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Fiat Purchases | 0.5% | Pesos not sourced from selling virtual assets; ARS 50,000/mo cashback cap |
| Crypto Purchases | 2% | Purchase funded by selling virtual assets; ARS 50,000/mo cashback cap |
On $500/mo spend, the estimated monthly cost breakdown for Ripio Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $3.00/mo cashback that is still a net cost of about $4.50/mo ($54.00/yr). Ripio Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: 10M+ users. 2% cashback in USDT, BTC, ETH, or UXD (Ripio's own LaChain-issued USD-pegged stablecoin) on crypto-funded purchases; 0.5% on ARS purchases, both capped at ARS 50,000 of cashback per calendar month. The 4% figure previously recorded here as a new-user promotion was a merchant-specific offer at three named restaurant chains that ran from 5 February to 31 December 2025 and has expired. Spain entry via crypto exchange license; US operations launched November 2024 after Florida Office of Financial Regulation license. Annual card spend limit $7,500 USD (per Ripio help center).
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The Ripio Card is a crypto debit card offered by Ripio. It is available in LATAM + US + Spain (8 countries) and allows users to spend cryptocurrency at merchants worldwide.
The Ripio Card offers 0.5-2% cashback. There are 2 tiers: Fiat Purchases (0.5%), Crypto Purchases (2%).
The Ripio Card has an annual fee of $0. Additional fees: ATM: Not supported (purchases only); Top-up: Free.
Yes. Ripio requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Ripio Card is available in LATAM + US + Spain (8 countries).
The Ripio Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.