ARQARQ
64
Side-by-side card comparison
ARQ vs Fuse: overall score versus use-case fit
Fuse Card has the higher Overall Score by 10 points (74 vs 64). ARQ Card looks stronger for Cashback, while Fuse Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 12, 202651 official sources reviewed
01 · Overall score versus use-case fit
Fuse Card is the better all-round starting point
Fuse Card has the higher Overall Score in this comparison. ARQ Card may be the better fit for Cashback. 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.
OverallARQ64Fuse74Higher score
CashbackARQ41Fuse25Higher score
TravelARQ62Fuse65Higher score
Funds controlARQ52Fuse91Higher score
Lowest feesARQ52Fuse93Higher score
TransfersARQ75Fuse97Higher score
Choose ARQ Card if cashback matters most
ARQ Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose Fuse Card if travel and funds control matter most
Fuse Card comes out ahead for 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.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive rails
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- ARQ64Fuse74
Fuse Card has the higher Overall Score by 10 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXFuse$0 plan · 0% 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%Fuse0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- ARQCustodial balanceFuseSelf-controlled wallet
ARQ Card uses a custodial balance setup, while Fuse Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayFuseVirtual · Apple Pay
ARQ Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutFuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank transfers
ARQ Card lists more stablecoins and ways to send money out (6 vs 3).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
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
- 0%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 1 crypto · 2 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsARQ CardOverall64Fuse CardOverall74
ARQ CardOverall64Fuse CardOverall74Scores
6 fields- Overall Score
- ARQ Card64Fuse Card74
- Cashback score
- ARQ Card41Fuse Card25
- Travel score
- ARQ Card62Fuse Card65
- Funds control score
- ARQ Card52Fuse Card91
- Lowest fees score
- ARQ Card52Fuse Card93
- Transfers score
- ARQ Card75Fuse Card97
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessFuse CardSeparate USDC Card Account, Apple Pay for in-person spend
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipFuse CardiOS and virtual-only access, Receive rails convert incoming fiat
Costs
7 fields- Plan cost
- ARQ Card$0Fuse Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyFuse Card0%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURFuse Card0%
- Card spending fee
- ARQ Card0%Fuse Card0%
- ATM fee
- ARQ Card1–3%Fuse CardNot available
- Virtual card
- ARQ CardFreeFuse CardVirtual card purchase $0 after Bridge KYC
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumFuse CardNot available in captured Fuse support page
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeFuse Card1 plans: Fuse Plus
- Top cashback plan
- ARQ CardPrestige: 2%Fuse CardNot disclosed
Everyday use
8 fields- Network
- ARQ CardMastercardFuse CardVisa
- Card formats
- ARQ CardVirtual, PhysicalFuse CardVirtual
- ATM withdrawals
- ARQ CardAvailableFuse CardNot available
- Mobile wallets
- ARQ CardApple Pay, Google PayFuse CardApple Pay
- Apps
- ARQ CardiOS, AndroidFuse CardiOS
- Daily spending limit
- ARQ CardNot disclosedFuse Card$2,000/day; $2,000/transaction
- Monthly spending limit
- ARQ CardNot disclosedFuse CardMonthly cap not disclosed; daily and transaction caps are approved
- ATM limit
- ARQ CardNot disclosedFuse CardNot available
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronFuse CardSolana
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTFuse CardStablecoins: USDC; Other crypto: SOL, SPL tokens
- Fiat deposits
- ARQ CardUSD receive, EUR receiveFuse CardUSD virtual bank account, EUR virtual bank account
- Transfers
- ARQ CardARQ P2P; USD ACH payoutFuse CardStablecoin transfers; ACH / SEPA bank transfers
- Payout currencies
- ARQ CardUSDFuse CardUSD, EUR
Rewards
3 fields- Base cashback
- ARQ Card0%Fuse Card0%
- Max cashback
- ARQ Card2%Fuse Card0%
- Reward currency
- ARQ CardUSDc cashbackFuse CardNo cashback
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYFuse CardNot disclosed
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultFuse CardOptional earn vault
- Separate deposit
- ARQ CardYesFuse CardYes
- Use balance for spending
- ARQ CardNoFuse CardNo
- Lock-up
- ARQ CardNoFuse CardNot disclosed
Trust & availability
5 fields- Custody
- ARQ CardCustodialFuse CardSelf-custody
- Control until payment
- ARQ CardProvider controls fundsFuse CardYou keep control
- Card issuer
- ARQ CardNot disclosedFuse CardLead Bank
- Card processing
- ARQ CardNot disclosedFuse CardBridge Ventures LLC, Squads Labs
- Programme operator
- ARQ CardNot disclosedFuse CardBridge Ventures LLC
Sources
2 fields- Official sources
- ARQ Card36Fuse Card15
- Last reviewed
- ARQ CardAug 5, 2026Fuse CardAug 12, 2026
04 · The trade-off
Fuse Card is the stronger all-round choice
Fuse Card finishes ahead with an Overall Score of 74 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 still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. ARQ Card uses a custodial balance setup, while Fuse Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
ARQ Card lists more stablecoins and ways to send money out (6 vs 3). 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 Fuse Card reviews first.
Continue with
ARQ Card
Continue with
Fuse Card
05 · Common questions
ARQ vs Fuse FAQ
Is ARQ or Fuse better overall?
Fuse Card has the higher Overall Score (74 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 Fuse?
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 Fuse?
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 Fuse differ on custody?
ARQ Card uses a custodial balance setup, while Fuse Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ARQ vs Fuse comparison?
The latest information check for these two cards was August 12, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.