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Side-by-side card comparison
ARQ vs Coinbase One
ARQ Card has the higher Overall Score by 8 points (64 vs 56). ARQ Card also looks stronger for Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase One Card may still be the better personal fit.
Latest check Oct 11, 202659 official sources reviewed
ARQ Card
Best fit
- USDc spending for eligible residents of Mexico, Colombia, Argentina or Brazil.
- Sending funds to other ARQ users without a provider P2P transfer fee.
- Trying Standard with a free virtual card and no annual membership fee.
Before you choose
- Standard earns no cashback; Premium and Prestige require paid subscriptions.
- Premium's 1% and Prestige's 2% drop to 0.5% after 500 USDc each month.
- Standard charges 3 USDc for USD/crypto receipts; the FX spread is unpublished.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsARQ CardOverall64Coinbase One CardOverall56
ARQ CardOverall64Coinbase One CardOverall56Scores
- Overall Score
- ARQ Card64Coinbase One Card56
- Cashback score
- ARQ Card40Coinbase One Card40
- Travel score
- ARQ Card62Coinbase One Card60
- Funds control score
- ARQ Card52Coinbase One Card36
- Lowest fees score
- ARQ Card52Coinbase One Card40
- Transfers score
- ARQ Card75Coinbase One Card24
Costs
- Plan cost
- ARQ Card$0Coinbase One Card$49.99/year
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyCoinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURCoinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- ARQ Card0%Coinbase One CardNot disclosed
- ATM fee
- ARQ Card1–3%Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- ARQ CardFreeCoinbase One CardNot disclosed
- Physical card
- ARQ CardMexico: Standard shipping $4.99; first physical card free with Main Balance above $100 or Premium. Other countries must confirm local terms.Coinbase One CardNot disclosed
Plans
- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- ARQ CardPrestige: 2%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- ARQ CardMastercardCoinbase One CardAmerican Express
- Card formats
- ARQ CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- ARQ CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- ARQ CardNot disclosedCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- ARQ CardNot disclosedCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- ARQ CardNot disclosedCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- ARQ CardEthereum, Polygon, TronCoinbase One CardNot disclosed
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTCoinbase One CardNot disclosed
- Fiat deposits
- ARQ CardUSD receive, EUR receiveCoinbase One CardNot disclosed
- Transfers
- ARQ CardARQ P2P; USD ACH payoutCoinbase One CardNot disclosed
- Payout currencies
- ARQ CardUSDCoinbase One CardNot disclosed
Rewards
- Base cashback
- ARQ Card0%Coinbase One Card2%
- Max cashback
- ARQ Card2%Coinbase One Card4%
- Reward currency
- ARQ CardUSDc cashbackCoinbase One CardBitcoin
Earn
- Advertised APY
- ARQ CardUp to 4.5% APYCoinbase One CardNot disclosed
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultCoinbase One CardBorrow against collateral
- Separate deposit
- ARQ CardYesCoinbase One CardNo
- Use balance for spending
- ARQ CardNoCoinbase One CardNo
- Lock-up
- ARQ CardNoCoinbase One CardYes
Trust & availability
- Custody
- ARQ CardCustodialCoinbase One CardCustodial
- Control until payment
- ARQ CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedCoinbase One CardFirst Electronic Bank
- Custody / key management
- ARQ CardNot disclosedCoinbase One CardCoinbase, Inc.
Sources
- Official sources
- ARQ Card36Coinbase One Card23
- Last reviewed
- ARQ CardOct 11, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose ARQ or Coinbase One
How you receive rewards
Choose by the reward asset you want to receive: ARQ lists USDc cashback; Coinbase One lists Bitcoin. For ARQ: Standard earns no cashback; Premium and Prestige require paid subscriptions.
Keeping recurring costs down
ARQ's base plan is $0, compared with $49.99/year for Coinbase One. This favours ARQ for occasional use; card issuance and transaction fees are separate.
Using an exchange account
ARQ does not require a centralised-exchange account; Coinbase One does. Consider Coinbase One if you already want to use that exchange, or ARQ if you want to avoid that account requirement.
Common questions
ARQ vs Coinbase One FAQ
Is ARQ or Coinbase One better overall?
ARQ Card has the higher Overall Score (64 vs 56). 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 One?
ARQ Card has the lower starting plan cost ($0 vs $49.99/year). 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 One?
Coinbase One Card has the higher published base cashback rate (2% 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 Coinbase One differ on custody?
ARQ Card and Coinbase One Card use the same custodial balance setup.
How current is this ARQ vs Coinbase One comparison?
The latest information check for these two cards was October 11, 2026, using 59 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.