ARQARQ
64
Side-by-side card comparison
ARQ vs ether.fi Cash: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 22 points (86 vs 64). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where ARQ Card may still be the better personal fit.
Information checked Oct 11, 202673 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. ARQ 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.
OverallARQ64ether.fi Cash86Higher score
CashbackARQ40ether.fi Cash84Higher score
TravelARQ62ether.fi Cash82Higher score
Funds controlARQ52ether.fi Cash96Higher score
Lowest feesARQ52ether.fi Cash65Higher score
TransfersARQ75ether.fi Cash100Higher score
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. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, Funds control, 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- ARQ64ether.fi Cash86
ether.fi Cash Card has the higher Overall Score by 22 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXether.fi Cash$0 plan · 0–0.5% 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%ether.fi Cash3% base · up to 4%
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- ARQCustodial balanceether.fi CashNon-custodial account
ARQ Card uses a custodial balance setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google Payether.fi CashVirtual + 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 payoutether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 6).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
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
- 3%-4%
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 18 crypto · 14 fiat
- Payout methods
- 5 crypto · 30 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsARQ CardOverall64ether.fi Cash CardOverall86
ARQ CardOverall64ether.fi Cash CardOverall86Scores
6 fields- Overall Score
- ARQ Card64ether.fi Cash Card86
- Cashback score
- ARQ Card40ether.fi Cash Card84
- Travel score
- ARQ Card62ether.fi Cash Card82
- Funds control score
- ARQ Card52ether.fi Cash Card96
- Lowest fees score
- ARQ Card52ether.fi Cash Card65
- Transfers score
- ARQ Card75ether.fi Cash Card100
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediately
Costs
7 fields- Plan cost
- ARQ Card$0ether.fi Cash Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyether.fi Cash Card0–0.5%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURether.fi Cash CardNot disclosed
- Card spending fee
- ARQ Card0%ether.fi Cash CardNot disclosed
- ATM fee
- ARQ Card1–3%ether.fi Cash CardNot disclosed
- Virtual card
- ARQ CardFreeether.fi Cash CardFirst virtual card normally $0; $10 for AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH under the dedicated fee article. Check the displayed price before order.
- 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.ether.fi Cash CardComparison page: Core $60 including shipping; one free physical card on higher tiers. Help pages describe additional-card fees and different included quantities. Confirm the order quote.
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, Prestigeether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- ARQ CardPrestige: 2%ether.fi Cash CardVIP: 4%
Everyday use
8 fields- Network
- ARQ CardMastercardether.fi Cash CardVisa
- Card formats
- ARQ CardVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, Androidether.fi Cash CardiOS, Android, Web
- Daily spending limit
- ARQ CardNot disclosedether.fi Cash CardEditable defaults: $5,000/day per card; Vault $10,000/day and $10,000/month. Current tier maximum is unconfirmed; the first applicable card, Vault or MCC limit applies.
- Monthly spending limit
- ARQ CardNot disclosedether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- ARQ CardNot disclosedether.fi Cash CardCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, Tronether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8
- Fiat deposits
- ARQ CardUSD receive, EUR receiveether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10
- Transfers
- ARQ CardARQ P2P; USD ACH payoutether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
- Payout currencies
- ARQ CardUSDether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22
Rewards
3 fields- Base cashback
- ARQ Card0%ether.fi Cash Card3%
- Max cashback
- ARQ Card2%ether.fi Cash Card4%
- Reward currency
- ARQ CardUSDc cashbackether.fi Cash CardETHFI token cashback
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYether.fi Cash CardUp to 5.47% APY
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- ARQ CardYesether.fi Cash CardNot disclosed
- Use balance for spending
- ARQ CardNoether.fi Cash CardNot disclosed
- Lock-up
- ARQ CardNoether.fi Cash CardNot disclosed
Trust & availability
5 fields- Custody
- ARQ CardCustodialether.fi Cash CardNon-custodial
- Control until payment
- ARQ CardProvider controls fundsether.fi Cash CardYou keep control
- Card issuer
- ARQ CardNot disclosedether.fi Cash CardThird National
- Deposits & withdrawals
- ARQ CardNot disclosedether.fi Cash CardSEPA third-party provider
- Programme operator
- ARQ CardNot disclosedether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- ARQ Card36ether.fi Cash Card37
- Last reviewed
- ARQ CardOct 11, 2026ether.fi Cash CardOct 6, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 86 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. ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
ARQ Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ARQ Card uses a custodial balance setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 6). 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 ether.fi Cash Card reviews first.
Continue with
ARQ Card
Continue with
ether.fi Cash Card
05 · Common questions
ARQ vs ether.fi Cash FAQ
Is ARQ or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (86 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 ether.fi Cash?
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 ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% 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 ether.fi Cash differ on custody?
ARQ Card uses a custodial balance setup, while ether.fi Cash 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 ether.fi Cash comparison?
The latest information check for these two cards was October 11, 2026, using 73 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.