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Side-by-side card comparison
ARQ vs Bybit EU: overall score versus use-case fit
Bybit Card (EU) has the higher Overall Score by 4 points (68 vs 64). ARQ Card looks stronger for Funds control, while Bybit Card (EU) comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 14, 202646 official sources reviewed
01 · Overall score versus use-case fit
Bybit Card (EU) is the better all-round starting point
Bybit Card (EU) has the higher Overall Score in this comparison. ARQ Card may be the better fit for Funds control. 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.
OverallARQ64Bybit EU68Higher score
CashbackARQ41Bybit EU47Higher score
TravelARQ62Bybit EU87Higher score
Funds controlARQ52Bybit EU51Higher score
Lowest feesARQ52Bybit EU72Higher score
TransfersARQ75Bybit EU79Higher score
Choose ARQ Card if funds control matters most
ARQ Card comes out ahead for 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 Bybit Card (EU) if cashback and travel matter most
Bybit Card (EU) comes out ahead for Cashback, Travel, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
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
- ARQ64Bybit EU68
Bybit Card (EU) has the higher Overall Score by 4 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXBybit EU$0 plan · 0.5% 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%Bybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- ARQCustodial balanceBybit EUCustodial balance
ARQ Card and Bybit Card (EU) use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayBybit EUVirtual + 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 payoutBybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawal
ARQ Card lists more stablecoins and ways to send money out (6 vs 4).
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.
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- 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%-10%
- Plan cost
- $0
- FX fee
- 0.5%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 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 CardOverall64Bybit Card (EU)Overall68
ARQ CardOverall64Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- ARQ Card64Bybit Card (EU)68
- Cashback score
- ARQ Card41Bybit Card (EU)47
- Travel score
- ARQ Card62Bybit Card (EU)87
- Funds control score
- ARQ Card52Bybit Card (EU)51
- Lowest fees score
- ARQ Card52Bybit Card (EU)72
- Transfers score
- ARQ Card75Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- ARQ Card$0Bybit Card (EU)$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyBybit Card (EU)0.5%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURBybit Card (EU)Not disclosed
- Card spending fee
- ARQ Card0%Bybit Card (EU)Not disclosed
- ATM fee
- ARQ Card1–3%Bybit Card (EU)2%
- Virtual card
- ARQ CardFreeBybit Card (EU)Free
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumBybit Card (EU)First physical card free
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- ARQ CardPrestige: 2%Bybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- ARQ CardMastercardBybit Card (EU)Mastercard
- Card formats
- ARQ CardVirtual, PhysicalBybit Card (EU)Virtual, Physical
- ATM withdrawals
- ARQ CardAvailableBybit Card (EU)Available
- Mobile wallets
- ARQ CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidBybit Card (EU)iOS, Android, Web
- Daily spending limit
- ARQ CardNot disclosedBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- ARQ CardNot disclosedBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- ARQ CardNot disclosedBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronBybit Card (EU)Not disclosed
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- ARQ CardUSD receive, EUR receiveBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- ARQ CardARQ P2P; USD ACH payoutBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- ARQ CardUSDBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- ARQ Card0%Bybit Card (EU)1%
- Max cashback
- ARQ Card2%Bybit Card (EU)10%
- Reward currency
- ARQ CardUSDc cashbackBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYBybit Card (EU)Up to 8% APY
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultBybit Card (EU)Not disclosed
- Separate deposit
- ARQ CardYesBybit Card (EU)Not disclosed
- Use balance for spending
- ARQ CardNoBybit Card (EU)Not disclosed
- Lock-up
- ARQ CardNoBybit Card (EU)Not disclosed
Trust & availability
3 fields- Custody
- ARQ CardCustodialBybit Card (EU)Custodial
- Control until payment
- ARQ CardProvider controls fundsBybit Card (EU)Provider controls funds
- Card issuer
- ARQ CardNot disclosedBybit Card (EU)Harmoniie SAS, Moorwand Ltd
Sources
2 fields- Official sources
- ARQ Card36Bybit Card (EU)10
- Last reviewed
- ARQ CardAug 5, 2026Bybit Card (EU)Aug 14, 2026
04 · The trade-off
Bybit Card (EU) is the stronger all-round choice
Bybit Card (EU) finishes ahead with an Overall Score of 68 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. Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
ARQ Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. ARQ Card and Bybit Card (EU) use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 4). 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 Bybit Card (EU) reviews first.
Continue with
ARQ Card
Continue with
Bybit Card (EU)
05 · Common questions
ARQ vs Bybit EU FAQ
Is ARQ or Bybit EU better overall?
Bybit Card (EU) has the higher Overall Score (68 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 Bybit EU?
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 Bybit EU?
Bybit Card (EU) has the higher published base cashback rate (1% 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 Bybit EU differ on custody?
ARQ Card and Bybit Card (EU) use the same custodial balance setup.
How current is this ARQ vs Bybit EU comparison?
The latest information check for these two cards was August 14, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.