ARQARQ
64
Side-by-side card comparison
ARQ vs Coinbase One: where the score gap comes from
ARQ Card has the higher Overall Score by 8 points (64 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202659 official sources reviewed
01 · Where the gap opens
ARQ Card is the better all-round starting point
ARQ Card has the higher Overall Score in this comparison. Coinbase One Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallARQ64Coinbase One56Higher score
CashbackARQ40Coinbase One40Compare the details below
TravelARQ62Coinbase One60Compare the details below
Funds controlARQ52Coinbase One36Compare the details below
Lowest feesARQ52Coinbase One58Compare the details below
TransfersARQ75Coinbase One24Compare the details below
Choose ARQ Card if its day-to-day setup suits you
ARQ Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- ARQ64Coinbase One56
ARQ Card has the higher Overall Score by 8 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
ARQ Card has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- ARQ0% base · up to 2%Coinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- ARQCustodial balanceCoinbase OneCustodial balance
ARQ Card and Coinbase One Card use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayCoinbase OneVirtual + 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 payoutCoinbase One0 stablecoins · Not modeled
ARQ Card lists more stablecoins and ways to send money out (6 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
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
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsARQ CardOverall64Coinbase One CardOverall56
ARQ CardOverall64Coinbase One CardOverall56Scores
6 fields- 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 Card58
- Transfers score
- ARQ Card75Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- 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 Card$4.99 Standard; $0 PremiumCoinbase One CardNot disclosed
Plans
2 fields- 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
8 fields- 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
5 fields- 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
3 fields- Base cashback
- ARQ Card0%Coinbase One Card2%
- Max cashback
- ARQ Card2%Coinbase One Card4%
- Reward currency
- ARQ CardUSDc cashbackCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYCoinbase One CardUp to 3.5% APY
- 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
4 fields- 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
2 fields- Official sources
- ARQ Card36Coinbase One Card23
- Last reviewed
- ARQ CardAug 5, 2026Coinbase One CardSep 5, 2026
04 · The verdict
ARQ Card is the stronger all-round choice
ARQ Card finishes ahead with an Overall Score of 64 versus 56 for Coinbase One Card. ARQ Card has the lower starting plan cost ($0 vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 0%).
Coinbase One Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ARQ Card and Coinbase One Card use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 0). 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 One Card reviews first.
Continue with
ARQ Card
Continue with
Coinbase One Card
05 · 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 September 5, 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.