Ripio Card vs Lemon Card
How does Ripio Card compare to Lemon Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Ripio Card · provisional, see how we rate
Quick answer. Ripio Card and Lemon Card are both crypto cards — here's how they differ. Key differences: annual fee (Ripio Card: None (no maintenance or issuance fee) vs Lemon Card: $0 (no shipping or maintenance costs)). Our provisional scoring rates Ripio Card higher (7.4/10 vs 6.5/10), but the best pick depends on your country and how you spend.
| Feature | Ripio Card | Lemon Card |
|---|---|---|
| Our score | 7.4/10 | 6.5/10 |
| Type | Prepaid | Prepaid |
| Networks | Visa | Visa |
| Rewards | 2% cashback in USDT, BTC or ETH on crypto payments; 0.5% cashback on ARS payments; first 30 days 4% (crypto) / 1% (ARS) | Up to 2% cashback in Bitcoin per purchase |
| Annual fee | None (no maintenance or issuance fee) | $0 (no shipping or maintenance costs) |
| FX fee | — | — |
| ATM fee | Third-party ATM operator fees may apply | — |
| KYC | — | Full |
| Custody | Custodial | Custodial |
| Supported coins | USDT, BTC, ETH | — |
| Availability | Argentina | Argentina (ARS) |
| Apple / Google Pay | Yes | — |
If you’re based in Argentina and looking for a crypto-backed prepaid card, the Ripio Card and Lemon Card are two solid options to consider. While both cards offer cashback rewards in cryptocurrency and are designed for the Argentinian market, they have distinct features that may make one more suitable than the other depending on your needs.
Choose Ripio Card if…
- You want flexible cashback options: The Ripio Card offers 2% cashback in USDT, BTC, or ETH on crypto payments, giving you the freedom to choose your preferred cryptocurrency for rewards.
- You’re interested in higher introductory rewards: During the first 30 days, you can earn 4% cashback on crypto payments and 1% on ARS payments, which is higher than the standard cashback rate.
- You prefer a card with no maintenance or issuance fees: The Ripio Card does not charge any fees for maintaining or issuing the card, making it a cost-effective option.
- You use Apple Pay or Google Pay: The Ripio Card supports both Apple Pay and Google Pay, providing you with convenient payment options.
- You want both physical and virtual card options: Ripio offers both physical and virtual card formats, giving you flexibility in how you use your card.
Choose Lemon Card if…
- You prefer Bitcoin cashback: The Lemon Card offers up to 2% cashback in Bitcoin per purchase, which may be appealing if you are a Bitcoin enthusiast.
- You want an instant virtual card: The Lemon Card provides an instant virtual card, allowing you to start using it right away without waiting for a physical card.
- You value in-app card management: With the Lemon Card, you can set daily limits, track your spending, and pause your card directly from the app, providing you with greater control over your finances.
- You prefer a card with no shipping or maintenance costs: The Lemon Card does not charge any shipping or maintenance fees, making it a cost-effective option.
Bottom line
Both the Ripio Card and the Lemon Card offer unique benefits tailored to the Argentinian market. If you prioritize flexibility in your cashback options, higher introductory rewards, and the convenience of Apple Pay or Google Pay, the Ripio Card might be the better choice for you. On the other hand, if you prefer Bitcoin cashback, an instant virtual card, and in-app card management features, the Lemon Card could be the right fit. Ultimately, the best card for you will depend on your specific preferences and how you plan to use the card.