ARQARQ
64
Side-by-side card comparison
ARQ vs Coinbase: overall score versus use-case fit
Coinbase Card has the higher Overall Score by 1 point (65 vs 64). ARQ Card looks stronger for Cashback and Funds control, while Coinbase Card comes out ahead for Lowest fees and Transfers.
Information checked Aug 30, 202658 official sources reviewed
01 · Overall score versus use-case fit
Coinbase Card is the better all-round starting point
Coinbase Card has the higher Overall Score in this comparison. ARQ Card may be the better fit for Cashback and 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.
OverallARQ64Coinbase65Higher score
CashbackARQ41Coinbase37Higher score
TravelARQ62Coinbase62Same score
Funds controlARQ52Coinbase48Higher score
Lowest feesARQ52Coinbase55Higher score
TransfersARQ75Coinbase84Higher score
Choose ARQ Card if cashback and funds control matter most
ARQ Card comes out ahead for Cashback 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 Coinbase Card if lowest fees and transfers matter most
Coinbase Card comes out ahead for 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.
- Virtual and physical Visa cards cover online, store and ATM use
- The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Cash, USDC and supported crypto can fund the same card flow
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
- ARQ64Coinbase65
Coinbase Card has the higher Overall Score by 1 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXCoinbase$0 plan · U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate 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%CoinbaseNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- ARQCustodial balanceCoinbaseCustodial balance
ARQ Card and Coinbase Card use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayCoinbaseVirtual + Physical · Unknown
ARQ Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutCoinbase1 stablecoin · Stablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
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.
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
- Not disclosed
- Plan cost
- $0
- FX fee
- U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- ATM fee
- U.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 3 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 CardOverall64Coinbase CardOverall65
ARQ CardOverall64Coinbase CardOverall65Scores
6 fields- Overall Score
- ARQ Card64Coinbase Card65
- Cashback score
- ARQ Card41Coinbase Card37
- Travel score
- ARQ Card62Coinbase Card62
- Funds control score
- ARQ Card52Coinbase Card48
- Lowest fees score
- ARQ Card52Coinbase Card55
- Transfers score
- ARQ Card75Coinbase Card84
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessCoinbase CardVirtual and physical Visa cards cover online, store and ATM use, The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipCoinbase CardCrypto conversion includes a spread with no stable public rate, Rewards are U.S.-only and the current rate changes in the app
Costs
7 fields- Plan cost
- ARQ Card$0Coinbase Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyCoinbase CardU.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURCoinbase CardLinked-bank and payroll funding are marketed at $0; other Coinbase account funding routes were not reviewed for this card profile
- Card spending fee
- ARQ Card0%Coinbase Card0%
- ATM fee
- ARQ Card1–3%Coinbase CardU.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Virtual card
- ARQ CardFreeCoinbase CardNot disclosed
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumCoinbase CardNot disclosed
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeCoinbase CardNot disclosed
- Top cashback plan
- ARQ CardPrestige: 2%Coinbase CardNot disclosed
Everyday use
8 fields- Network
- ARQ CardMastercardCoinbase CardVisa
- Card formats
- ARQ CardVirtual, PhysicalCoinbase CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableCoinbase CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayCoinbase CardNot disclosed
- Apps
- ARQ CardiOS, AndroidCoinbase CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedCoinbase Card$2,500 per 24 hours in the U.S. programme
- Monthly spending limit
- ARQ CardNot disclosedCoinbase CardU.S. monthly spend limit not published; U.K./EEA limits are customer-specific
- ATM limit
- ARQ CardNot disclosedCoinbase Card$1,000 per 24 hours in the U.S.; U.K./EEA values are shown in app
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronCoinbase CardCoinbase-supported networks
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTCoinbase CardOther crypto: Supported crypto
- Fiat deposits
- ARQ CardUSD receive, EUR receiveCoinbase CardLinked bank account, Payroll deposit
- Transfers
- ARQ CardARQ P2P; USD ACH payoutCoinbase CardStablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
- Payout currencies
- ARQ CardUSDCoinbase CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- ARQ Card0%Coinbase CardNot disclosed
- Max cashback
- ARQ Card2%Coinbase CardNot disclosed
- Reward currency
- ARQ CardUSDc cashbackCoinbase CardSelected crypto offer
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYCoinbase CardNot offered
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultCoinbase CardNot offered
- Separate deposit
- ARQ CardYesCoinbase CardNot offered
- Use balance for spending
- ARQ CardNoCoinbase CardNot offered
- Lock-up
- ARQ CardNoCoinbase CardNot offered
Trust & availability
4 fields- Custody
- ARQ CardCustodialCoinbase CardCustodial
- Control until payment
- ARQ CardProvider controls fundsCoinbase CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedCoinbase CardPathward, N.A., Paysafe Financial Services Limited, Paysafe Payment Solutions Limited
- Card processing
- ARQ CardNot disclosedCoinbase CardMarqeta, Inc.
Sources
2 fields- Official sources
- ARQ Card36Coinbase Card22
- Last reviewed
- ARQ CardAug 5, 2026Coinbase CardAug 30, 2026
04 · The trade-off
Coinbase Card is the stronger all-round choice
Coinbase Card finishes ahead with an Overall Score of 65 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. The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
ARQ Card still comes out ahead for Cashback and Funds control, which may matter more than the overall result if that is how you plan to use the card. ARQ Card and Coinbase Card 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 Coinbase Card reviews first.
Continue with
ARQ Card
Continue with
Coinbase Card
05 · Common questions
ARQ vs Coinbase FAQ
Is ARQ or Coinbase better overall?
Coinbase Card has the higher Overall Score (65 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 Coinbase?
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 Coinbase?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ARQ and Coinbase differ on custody?
ARQ Card and Coinbase Card use the same custodial balance setup.
How current is this ARQ vs Coinbase comparison?
The latest information check for these two cards was August 30, 2026, using 58 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.