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64
Side-by-side card comparison
ARQ vs Karta Personal: overall score versus use-case fit
ARQ Card has the higher Overall Score by 3 points (64 vs 61). ARQ Card looks stronger for Cashback and Travel, while Karta Personal Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Aug 11, 202661 official sources reviewed
01 · Overall score versus use-case fit
ARQ Card is the better all-round starting point
ARQ Card has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Funds control, Lowest fees, and Transfers. 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.
OverallARQ64Karta Personal61Higher score
CashbackARQ41Karta Personal14Higher score
TravelARQ62Karta Personal46Higher score
Funds controlARQ52Karta Personal92Higher score
Lowest feesARQ52Karta Personal53Higher score
TransfersARQ75Karta Personal90Higher score
Choose ARQ Card if cashback and travel matter most
ARQ Card comes out ahead for Cashback and Travel 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 Karta Personal Card if funds control and lowest fees matter most
Karta Personal Card comes out ahead for 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.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
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
- ARQ64Karta Personal61
ARQ Card has the higher Overall Score by 3 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXKarta Personal$0 plan · 1–3% 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%Karta Personal0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- ARQCustodial balanceKarta PersonalSelf-controlled wallet
ARQ Card uses a custodial balance setup, while Karta Personal 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 PayKarta PersonalVirtual · Apple Pay, Google Pay
ARQ Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Both cards list the same number of stablecoins and ways to send money out.
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
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 crypto · 0 fiat
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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 CardOverall64Karta Personal CardOverall61
ARQ CardOverall64Karta Personal CardOverall61Scores
6 fields- Overall Score
- ARQ Card64Karta Personal Card61
- Cashback score
- ARQ Card41Karta Personal Card14
- Travel score
- ARQ Card62Karta Personal Card46
- Funds control score
- ARQ Card52Karta Personal Card92
- Lowest fees score
- ARQ Card52Karta Personal Card53
- Transfers score
- ARQ Card75Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- ARQ Card$0Karta Personal Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyKarta Personal Card1–3%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURKarta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- ARQ Card0%Karta Personal Card1.5%
- ATM fee
- ARQ Card1–3%Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- ARQ CardFreeKarta Personal Card5 USDT one-time
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeKarta Personal CardNot disclosed
- Top cashback plan
- ARQ CardPrestige: 2%Karta Personal CardNot disclosed
Everyday use
8 fields- Network
- ARQ CardMastercardKarta Personal CardVisa
- Card formats
- ARQ CardVirtual, PhysicalKarta Personal CardVirtual
- ATM withdrawals
- ARQ CardAvailableKarta Personal CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- ARQ CardNot disclosedKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- ARQ CardNot disclosedKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- ARQ CardNot disclosedKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- ARQ CardUSD receive, EUR receiveKarta Personal CardBank deposits
- Transfers
- ARQ CardARQ P2P; USD ACH payoutKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- ARQ CardUSDKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- ARQ Card0%Karta Personal Card0%
- Max cashback
- ARQ Card2%Karta Personal Card0%
- Reward currency
- ARQ CardUSDc cashbackKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYKarta Personal CardNot offered
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultKarta Personal CardNot offered
- Separate deposit
- ARQ CardYesKarta Personal CardNot offered
- Use balance for spending
- ARQ CardNoKarta Personal CardNot offered
- Lock-up
- ARQ CardNoKarta Personal CardNot offered
Trust & availability
6 fields- Custody
- ARQ CardCustodialKarta Personal CardSelf-custody
- Control until payment
- ARQ CardProvider controls fundsKarta Personal CardYou keep control
- Card issuer
- ARQ CardNot disclosedKarta Personal CardNimbus LLC d/b/a Third National
- Custody / key management
- ARQ CardNot disclosedKarta Personal CardPrivy
- Identity verification
- ARQ CardNot disclosedKarta Personal CardSumsub
- Programme operator
- ARQ CardNot disclosedKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- ARQ Card36Karta Personal Card25
- Last reviewed
- ARQ CardAug 5, 2026Karta Personal CardAug 11, 2026
04 · The trade-off
ARQ Card is the stronger all-round choice
ARQ Card finishes ahead with an Overall Score of 64 versus 61 for Karta Personal 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%.
Karta Personal Card still comes out ahead for Funds control, Lowest fees, and Transfers, 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 Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Karta Personal Card reviews first.
Continue with
ARQ Card
Continue with
Karta Personal Card
05 · Common questions
ARQ vs Karta Personal FAQ
Is ARQ or Karta Personal better overall?
ARQ Card has the higher Overall Score (64 vs 61). 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 Karta Personal?
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 Karta Personal?
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 Karta Personal differ on custody?
ARQ Card uses a custodial balance setup, while Karta Personal 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 Karta Personal comparison?
The latest information check for these two cards was August 11, 2026, using 61 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.