The Ripio Card earns 0.5-2% cashback on a Visa debit card with no annual fee, available in Argentina/Brazil.
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 Argentina/Brazil. 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 best crypto cards in Latin America guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Fiat Purchases | 0.5% | Pesos (ARS) and reais (BRL) not sourced from selling virtual assets; ARS 50,000/mo cashback cap in Argentina (Brazil cap unpublished); 1% for the first 30 days as a new card user |
| Crypto Purchases | 2% | Purchase funded by selling virtual assets; ARS 50,000/mo cashback cap in Argentina (Brazil cap unpublished); 4% for the first 30 days as a new card user |
On $500/mo spend, the estimated monthly cost breakdown for Ripio Card is: gas $0.00, conversion spread $7.50, flat transaction 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. The ARS 50,000 monthly cashback cap is confirmed by Ripio's Argentina help centre limits page (read 2026-10-18: "El límite mensual de cashback es de 50k ARS"), which also lists a 0.5% fee on purchases paid with crypto ("La comisión aplica únicamente para compras con criptomonedas") and ATM withdrawals of up to 5 and USD 500 a day. Ripio's own product page states a higher introductory rate for new cardholders: "If you are a new card user, for 30 days you will receive 4% paying with crypto and 1% paying with ARS". That is a per-cardholder window with no published end date, so the standing 2% and 0.5% remain the recorded rates. This entry previously said the 4% figure was a merchant-specific restaurant offer that expired on 31 December 2025, which Ripio's current page contradicts. The card itself is available only in Argentina and Brazil, per the card page footer ("Producto disponible en Argentina y Brasil"); the Brazilian card pays 2% in BTC, ETH or USDT on crypto and 0.5% on reais, with the same 4% and 1% introductory rates. The Spain and US licences that follow describe Ripio's exchange, not the card. 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 Argentina/Brazil 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: Conversion fee: 0.5% per purchase paid with crypto (no fee on ARS purchases); ATM: Argentina only, on the Link and Banelco networks (5 withdrawals and US$500 a day); no ATM fee published; Top-up: Free.
Yes. Ripio requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Ripio Card is available in Argentina/Brazil.
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.