ARQARQ
64
Side-by-side card comparison
ARQ vs Binance: overall score versus use-case fit
ARQ Card has the higher Overall Score by 6 points (64 vs 58). ARQ Card looks stronger for Cashback, Travel, and Funds control, while Binance Card comes out ahead for Lowest fees.
Information checked Aug 5, 202648 official sources reviewed
01 · Overall score versus use-case fit
ARQ Card is the better all-round starting point
ARQ Card has the higher Overall Score in this comparison. Binance Card may be the better fit for Lowest fees. 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.
OverallARQ64Binance58Higher score
CashbackARQ41Binance37Higher score
TravelARQ62Binance36Higher score
Funds controlARQ52Binance47Higher score
Lowest feesARQ52Binance56Higher score
TransfersARQ75Binance75Same score
Choose ARQ Card if cashback and travel matter most
ARQ Card comes out ahead for Cashback, Travel, and Funds control 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 Binance Card if lowest fees matters most
Binance Card comes out ahead for Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
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
- ARQ64Binance58
ARQ Card has the higher Overall Score by 6 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXBinance$0 plan · 2–3% 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%Binance1.5% base · up to 3%
Binance Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- ARQCustodial balanceBinanceCustodial balance
ARQ Card and Binance Card use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayBinanceVirtual · Google Pay
ARQ Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutBinance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawal
ARQ Card lists more stablecoins and ways to send money out (6 vs 5).
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
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
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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 CardOverall64Binance CardOverall58
ARQ CardOverall64Binance CardOverall58Scores
6 fields- Overall Score
- ARQ Card64Binance Card58
- Cashback score
- ARQ Card41Binance Card37
- Travel score
- ARQ Card62Binance Card36
- Funds control score
- ARQ Card52Binance Card47
- Lowest fees score
- ARQ Card52Binance Card56
- Transfers score
- ARQ Card75Binance Card75
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessBinance CardSpend supported Binance crypto balances, Google Pay support
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipBinance CardSpending follows the Binance account model, Virtual-only card
Costs
7 fields- Plan cost
- ARQ Card$0Binance Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyBinance Card2–3%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURBinance CardNot disclosed
- Card spending fee
- ARQ Card0%Binance CardNot disclosed
- ATM fee
- ARQ Card1–3%Binance CardNot disclosed
- Virtual card
- ARQ CardFreeBinance CardVirtual card up to 15 minutes after approval; 0 USD issuance fee
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumBinance CardGlobal Program virtual-only; Brazil physical card is a separate regional branch
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeBinance Card3 plans: Tier 1, Tier 2, Tier 3
- Top cashback plan
- ARQ CardPrestige: 2%Binance CardTier 3: 3%
Everyday use
8 fields- Network
- ARQ CardMastercardBinance CardMastercard
- Card formats
- ARQ CardVirtual, PhysicalBinance CardVirtual
- ATM withdrawals
- ARQ CardAvailableBinance CardNot disclosed
- Mobile wallets
- ARQ CardApple Pay, Google PayBinance CardGoogle Pay
- Apps
- ARQ CardiOS, AndroidBinance CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedBinance CardShown in app
- Monthly spending limit
- ARQ CardNot disclosedBinance CardShown in app
- ATM limit
- ARQ CardNot disclosedBinance CardNot disclosed
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronBinance CardNot disclosed
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTBinance CardOther crypto: Supported crypto
- Fiat deposits
- ARQ CardUSD receive, EUR receiveBinance CardBinance account bank deposit
- Transfers
- ARQ CardARQ P2P; USD ACH payoutBinance CardStablecoin transfers; Binance account fiat withdrawal
- Payout currencies
- ARQ CardUSDBinance CardNot disclosed
Rewards
3 fields- Base cashback
- ARQ Card0%Binance Card1.5%
- Max cashback
- ARQ Card2%Binance Card3%
- Reward currency
- ARQ CardUSDc cashbackBinance CardUSDC or BTC equivalent cashback (country-dependent)
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYBinance CardNot offered
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultBinance CardNot offered
- Separate deposit
- ARQ CardYesBinance CardNot offered
- Use balance for spending
- ARQ CardNoBinance CardNot offered
- Lock-up
- ARQ CardNoBinance CardNot offered
Trust & availability
3 fields- Custody
- ARQ CardCustodialBinance CardCustodial
- Control until payment
- ARQ CardProvider controls fundsBinance CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedBinance CardImmersve Limited
Sources
2 fields- Official sources
- ARQ Card36Binance Card12
- Last reviewed
- ARQ CardAug 5, 2026Binance CardAug 5, 2026
04 · The trade-off
ARQ Card is the stronger all-round choice
ARQ Card finishes ahead with an Overall Score of 64 versus 58 for Binance Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Binance Card has the higher published base cashback rate (1.5% vs 0%).
Binance Card still comes out ahead for Lowest fees, which may matter more than the overall result if that is how you plan to use the card. ARQ Card and Binance Card use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 5). 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 Binance Card reviews first.
Continue with
ARQ Card
Continue with
Binance Card
05 · Common questions
ARQ vs Binance FAQ
Is ARQ or Binance better overall?
ARQ Card has the higher Overall Score (64 vs 58). 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 Binance?
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 Binance?
Binance Card has the higher published base cashback rate (1.5% vs 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 Binance differ on custody?
ARQ Card and Binance Card use the same custodial balance setup.
How current is this ARQ vs Binance comparison?
The latest information check for these two cards was August 5, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.