Ruvo Card
US Banking Partner · 222 countries and territories (US & LATAM focus) · Personal & business
US & Brazil Digital Dollar Visa card with 4.3% APY yield and 0% IOF tax in Brazil
Is Ruvo Card worth it?
Ruvo combines a US Digital Dollar account yielding 4.3% APY with an international Visa card accepted in 222 countries and territories. Designed heavily for the US–Brazil/LATAM corridor, it eliminates Brazil's IOF tax on international dollar spend with transparent 0.5% commercial conversion.
Pros
- 0% IOF tax on international spend for Brazilian users
- 4.3% APY on Digital Dollar balances
- Instant PIX, ACH and USDC funding
Cons
- 0.5% conversion fee on non-USD currency swaps
- Limited base cashback compared to pure rewards cards
Fees, limits & requirements
- Issuance fee
- Free
- One-time card creation
- Annual fee
- None
- Monthly fees included where applicable
- Crypto top-up
- 0.5%
- 0.3–0.5% conv
- FX fee
- 1%
- 1% non-USD
- ATM fee
- 2%
- Standard 2% ATM fee
- Max daily spend
- $10,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- $1,000
- Standard 2% ATM fee
- KYC
- Full KYC
- Full KYC
- Custody
- Self-custody
- Funds remain in your wallet until settlement
- Card network
- Visa
- credit card · issued by US Banking Partner
Supported crypto & networks
Where is Ruvo Card available?
Show all 19 supported countries
Availability lists change frequently. Confirm eligibility with US Banking Partner before applying.
Ruvo Card — common questions
Is Ruvo Card available in United States?+
Ruvo Card is listed as available in 222 countries and territories (US & LATAM focus). Our data currently shows it as available in United States. Always confirm eligibility with US Banking Partner before applying.
What fees does Ruvo Card charge?+
Ruvo Card has no issuance fee, no annual fee, a 0.5% crypto top-up fee and a 1% FX fee. ATM withdrawals cost 2%. 1% non-USD
Does Ruvo Card support Apple Pay and Google Pay?+
Ruvo Card supports Apple Pay and Google Pay. You can add the virtual card to your mobile wallet after issuance.
Is Ruvo Card self-custody?+
Yes. Ruvo Card is non-custodial: your assets stay in your own wallet until the moment of settlement. You remain responsible for key management and wallet security.
How does Ruvo Card cashback work?+
Ruvo Card offers No cashback. Rewards are paid in USDC. Staking requirement: Automatic 4.3% APY on Digital Dollar balance. Cashback is modelled at the maximum published tier in our calculator.
Data note: fees, limits and availability are illustrative seed data for this build. Always confirm with the issuer. Card trademarks belong to their respective owners.