ARQARQ
64
Side-by-side card comparison
ARQ vs Avici: overall score versus use-case fit
Avici Card has the higher Overall Score by 7 points (71 vs 64). ARQ Card looks stronger for Cashback and Transfers, while Avici Card comes out ahead for Travel, Funds control, and Lowest fees.
Information checked Aug 21, 202652 official sources reviewed
01 · Overall score versus use-case fit
Avici Card is the better all-round starting point
Avici Card has the higher Overall Score in this comparison. ARQ Card may be the better fit for Cashback and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallARQ64Avici71Higher score
CashbackARQ41Avici21Higher score
TravelARQ62Avici82Higher score
Funds controlARQ52Avici95Higher score
Lowest feesARQ52Avici73Higher score
TransfersARQ75Avici67Higher score
Choose ARQ Card if cashback and transfers matter most
ARQ Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose Avici Card if travel and funds control matter most
Avici Card comes out ahead for Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- ARQ64Avici71
Avici Card has the higher Overall Score by 7 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXAvici$0 plan · 0–1% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- ARQ0% base · up to 2%Avici0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- ARQCustodial balanceAviciSelf-controlled wallet
ARQ Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutAvici1 stablecoin · Stablecoin transfers
ARQ Card lists more stablecoins and ways to send money out (6 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
64
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- Provider spread unknown; Argentina/Brazil variant charges may apply
- ATM fee
- 1–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsARQ CardOverall64Avici CardOverall71
ARQ CardOverall64Avici CardOverall71Scores
6 fields- Overall Score
- ARQ Card64Avici Card71
- Cashback score
- ARQ Card41Avici Card21
- Travel score
- ARQ Card62Avici Card82
- Funds control score
- ARQ Card52Avici Card95
- Lowest fees score
- ARQ Card52Avici Card73
- Transfers score
- ARQ Card75Avici Card67
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- ARQ Card$0Avici Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyAvici Card0–1%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURAvici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- ARQ Card0%Avici Card0%
- ATM fee
- ARQ Card1–3%Avici Card0–0.65%
- Virtual card
- ARQ CardFreeAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- ARQ CardPrestige: 2%Avici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- ARQ CardMastercardAvici CardVisa
- Card formats
- ARQ CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableAvici CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- ARQ CardNot disclosedAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- ARQ CardNot disclosedAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTAvici CardStablecoins: USDC
- Fiat deposits
- ARQ CardUSD receive, EUR receiveAvici CardNot disclosed
- Transfers
- ARQ CardARQ P2P; USD ACH payoutAvici CardStablecoin transfers
- Payout currencies
- ARQ CardUSDAvici CardNot disclosed
Rewards
3 fields- Base cashback
- ARQ Card0%Avici Card0%
- Max cashback
- ARQ Card2%Avici Card0%
- Reward currency
- ARQ CardUSDc cashbackAvici CardNo cashback
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYAvici CardNot offered
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultAvici CardNot offered
- Separate deposit
- ARQ CardYesAvici CardNot offered
- Use balance for spending
- ARQ CardNoAvici CardNot offered
- Lock-up
- ARQ CardNoAvici CardNot offered
Trust & availability
5 fields- Custody
- ARQ CardCustodialAvici CardSelf-custody
- Control until payment
- ARQ CardProvider controls fundsAvici CardYou keep control
- Card issuer
- ARQ CardNot disclosedAvici CardThird National
- Card processing
- ARQ CardNot disclosedAvici CardRelay
- Identity verification
- ARQ CardNot disclosedAvici CardSumsub
Sources
2 fields- Official sources
- ARQ Card36Avici Card16
- Last reviewed
- ARQ CardAug 5, 2026Avici CardAug 21, 2026
04 · The trade-off
Avici Card is the stronger all-round choice
Avici Card finishes ahead with an Overall Score of 71 versus 64 for ARQ Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
ARQ Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. ARQ Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
ARQ Card lists more stablecoins and ways to send money out (6 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full ARQ Card and Avici Card reviews first.
Continue with
ARQ Card
Continue with
Avici Card
05 · Common questions
ARQ vs Avici FAQ
Is ARQ or Avici better overall?
Avici Card has the higher Overall Score (71 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, ARQ or Avici?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ARQ or Avici?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ARQ and Avici differ on custody?
ARQ Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ARQ vs Avici comparison?
The latest information check for these two cards was August 21, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.