ARQARQ
64
Side-by-side card comparison
ARQ vs Decaf
ARQ Card and Decaf Card share an Overall Score of 64. ARQ Card looks stronger for Cashback, Travel, and Transfers, while Decaf Card comes out ahead for Funds control and Lowest fees.
Latest check Oct 19, 202657 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- Standard charges 3 USDc for USD/crypto receipts; the FX spread is unpublished.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsARQ CardOverall64Decaf CardOverall64
ARQ CardOverall64Decaf CardOverall64Scores
- Overall Score
- ARQ Card64Decaf Card64
- Cashback score
- ARQ Card40Decaf Card29
- Travel score
- ARQ Card62Decaf Card60
- Funds control score
- ARQ Card52Decaf Card63
- Lowest fees score
- ARQ Card52Decaf Card57
- Transfers score
- ARQ Card75Decaf Card70
Costs
- Plan cost
- ARQ Card$0Decaf Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyDecaf Card1–2%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- ARQ Card0%Decaf CardNot disclosed
- ATM fee
- ARQ Card1–3%Decaf Card0% Decaf markup
- Virtual card
- ARQ CardFreeDecaf Card$5
- 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.Decaf Card$90 international / $10 US
Plans
- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeDecaf CardNot disclosed
- Top cashback plan
- ARQ CardPrestige: 2%Decaf CardNot disclosed
Everyday use
- Network
- ARQ CardMastercardDecaf CardVisa
- Card formats
- ARQ CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableDecaf CardNot disclosed
- Mobile wallets
- ARQ CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- ARQ CardNot disclosedDecaf CardNot disclosed
- Monthly spending limit
- ARQ CardNot disclosedDecaf CardNot disclosed
- ATM limit
- ARQ CardNot disclosedDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- ARQ CardEthereum, Polygon, TronDecaf CardSolana, Stellar
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTDecaf CardStablecoins: USDC
- Fiat deposits
- ARQ CardUSD receive, EUR receiveDecaf CardUSD, EUR and MXN account receipts
- Transfers
- ARQ CardARQ P2P; USD ACH payoutDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- ARQ CardUSDDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- ARQ Card0%Decaf CardNot disclosed
- Max cashback
- ARQ Card2%Decaf CardNot disclosed
- Reward currency
- ARQ CardUSDc cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- ARQ CardUp to 4.5% APYDecaf CardNot disclosed
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultDecaf CardOptional earn vault
- Separate deposit
- ARQ CardYesDecaf CardYes
- Use balance for spending
- ARQ CardNoDecaf CardNot disclosed
- Lock-up
- ARQ CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- ARQ CardCustodialDecaf CardNon-custodial
- Control until payment
- ARQ CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- ARQ CardNot disclosedDecaf CardThird National, Inc.
- Card processing
- ARQ CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- ARQ CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- ARQ Card36Decaf Card21
- Last reviewed
- ARQ CardOct 11, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose ARQ or Decaf
Sending money to a bank
For bank payouts, ARQ has reviewed routes in USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
ARQ's reviewed deposit assets include USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
ARQ vs Decaf FAQ
Is ARQ or Decaf better overall?
ARQ Card and Decaf Card tie at 64 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, ARQ or Decaf?
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 Decaf?
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 Decaf differ on custody?
ARQ Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ARQ vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 57 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.