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Side-by-side card comparison
ARQ vs Fold Debit: fees, rewards and account setup
Fold Debit Card has the higher Overall Score by 8 points (72 vs 64). Fold Debit 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, 202665 official sources reviewed
01 · Make the first cut
Fold Debit Card is the better all-round starting point
Fold Debit 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.
OverallARQ64Fold Debit72Higher score
CashbackARQ40Fold Debit44Higher score
TravelARQ62Fold Debit78Higher score
Funds controlARQ52Fold Debit59Higher score
Lowest feesARQ52Fold Debit71Higher score
TransfersARQ75Fold Debit77Higher 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 Fold Debit Card if cashback and travel matter most
Fold Debit 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.
- Several USD funding routes
- Physical card and phone wallets
- BTC rewards in the Reserve rollout
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
- ARQ64Fold Debit72
Fold Debit Card has the higher Overall Score by 8 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXFold Debit$0 plan · $3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion 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%Fold Debit0% base · up to 15%
Both cards show the same base cashback rate of 0%.
- Funds control
- ARQCustodial balanceFold DebitCustodial balance
ARQ Card and Fold Debit Card use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayFold DebitVirtual + 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 payoutFold Debit0 stablecoins · ACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay
ARQ Card lists more stablecoins and ways to send money out (6 vs 4).
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.
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- 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
- 0%-15%
- Plan cost
- $0
- FX fee
- $3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separate
- ATM fee
- $3.50 Fold fee; waived at $5,000 Reserve or under legacy Fold+; operator fees separate
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 2 fiat
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 CardOverall64Fold Debit CardOverall72
ARQ CardOverall64Fold Debit CardOverall72Scores
6 fields- Overall Score
- ARQ Card64Fold Debit Card72
- Cashback score
- ARQ Card40Fold Debit Card44
- Travel score
- ARQ Card62Fold Debit Card78
- Funds control score
- ARQ Card52Fold Debit Card59
- Lowest fees score
- ARQ Card52Fold Debit Card71
- Transfers score
- ARQ Card75Fold Debit Card77
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessFold Debit CardSeveral USD funding routes, Physical card and phone wallets
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipFold Debit CardU.S.-only applications, Free-plan ATM and foreign fees
Costs
7 fields- Plan cost
- ARQ Card$0Fold Debit Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyFold Debit Card$3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separate
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURFold Debit CardInstant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separate
- Card spending fee
- ARQ Card0%Fold Debit Card0%
- ATM fee
- ARQ Card1–3%Fold Debit Card$3.50 Fold fee; waived at $5,000 Reserve or under legacy Fold+; operator fees separate
- Virtual card
- ARQ CardFreeFold Debit 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.Fold Debit Card$0 card purchase fee
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeFold Debit Card9 plans: Fold (legacy), Fold+ (legacy), Reserve base, Reserve $5,000 +5
- Top cashback plan
- ARQ CardPrestige: 2%Fold Debit CardReserve $100,000: 3%
Everyday use
8 fields- Network
- ARQ CardMastercardFold Debit CardVisa
- Card formats
- ARQ CardVirtual, PhysicalFold Debit CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableFold Debit CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayFold Debit CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidFold Debit CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedFold Debit Card$15,000 per transaction and per day
- Monthly spending limit
- ARQ CardNot disclosedFold Debit Card$50,000 per month
- ATM limit
- ARQ CardNot disclosedFold Debit Card$250 per withdrawal; $1,000 daily and monthly
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronFold Debit CardNot disclosed
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTFold Debit CardNot disclosed
- Fiat deposits
- ARQ CardUSD receive, EUR receiveFold Debit CardLinked-bank ACH, Direct deposit, Instant debit-card funding
- Transfers
- ARQ CardARQ P2P; USD ACH payoutFold Debit CardACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay
- Payout currencies
- ARQ CardUSDFold Debit CardUSD, USD cash equivalent
Rewards
3 fields- Base cashback
- ARQ Card0%Fold Debit Card0%
- Max cashback
- ARQ Card2%Fold Debit Card15%
- Reward currency
- ARQ CardUSDc cashbackFold Debit CardBitcoin
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYFold Debit CardNot offered
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultFold Debit CardNot offered
- Separate deposit
- ARQ CardYesFold Debit CardNot offered
- Use balance for spending
- ARQ CardNoFold Debit CardNot offered
- Lock-up
- ARQ CardNoFold Debit CardNot offered
Trust & availability
6 fields- Custody
- ARQ CardCustodialFold Debit CardCustodial
- Control until payment
- ARQ CardProvider controls fundsFold Debit CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedFold Debit CardSutton Bank
- Card processing
- ARQ CardNot disclosedFold Debit CardMarqeta, Inc.
- Custody / key management
- ARQ CardNot disclosedFold Debit CardBitGo Bank and Trust, N.A. / BitGo Prime LLC
- Bank transfers
- ARQ CardNot disclosedFold Debit CardPlaid Inc., Astra, Inc.
Sources
2 fields- Official sources
- ARQ Card36Fold Debit Card29
- Last reviewed
- ARQ CardOct 11, 2026Fold Debit CardOct 6, 2026
04 · The takeaway
Fold Debit Card is the stronger all-round choice
Fold Debit Card finishes ahead with an Overall Score of 72 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. Both cards show the same base cashback rate of 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 and Fold Debit 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 Fold Debit Card reviews first.
Continue with
ARQ Card
Continue with
Fold Debit Card
05 · Common questions
ARQ vs Fold Debit FAQ
Is ARQ or Fold Debit better overall?
Fold Debit Card has the higher Overall Score (72 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 Fold Debit?
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 Fold Debit?
Both cards show the same base cashback rate of 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 Fold Debit differ on custody?
ARQ Card and Fold Debit Card use the same custodial balance setup.
How current is this ARQ vs Fold Debit comparison?
The latest information check for these two cards was October 11, 2026, using 65 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.