ARQARQ
64
Side-by-side card comparison
ARQ vs Kolo: fees, rewards and account setup
Kolo Card has the higher Overall Score by 9 points (73 vs 64). Kolo 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 Aug 28, 202664 official sources reviewed
01 · Make the first cut
Kolo Card is the better all-round starting point
Kolo 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.
OverallARQ64Kolo73Higher score
CashbackARQ41Kolo54Higher score
TravelARQ62Kolo70Higher score
Funds controlARQ52Kolo56Higher score
Lowest feesARQ52Kolo83Higher score
TransfersARQ75Kolo92Higher 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 Kolo Card if cashback and travel matter most
Kolo 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.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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
- ARQ64Kolo73
Kolo Card has the higher Overall Score by 9 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXKolo$0 plan · 1% 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%Kolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- ARQCustodial balanceKoloCustodial balance
ARQ Card and Kolo Card use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayKoloVirtual · 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 payoutKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 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
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 crypto · 1 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 CardOverall64Kolo CardOverall73
ARQ CardOverall64Kolo CardOverall73Scores
6 fields- Overall Score
- ARQ Card64Kolo Card73
- Cashback score
- ARQ Card41Kolo Card54
- Travel score
- ARQ Card62Kolo Card70
- Funds control score
- ARQ Card52Kolo Card56
- Lowest fees score
- ARQ Card52Kolo Card83
- Transfers score
- ARQ Card75Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- ARQ Card$0Kolo Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyKolo Card1%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURKolo Card0%
- Card spending fee
- ARQ Card0%Kolo CardNot disclosed
- ATM fee
- ARQ Card1–3%Kolo Card$1 + 0.65%
- Virtual card
- ARQ CardFreeKolo CardFree
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeKolo CardNot disclosed
- Top cashback plan
- ARQ CardPrestige: 2%Kolo CardNot disclosed
Everyday use
8 fields- Network
- ARQ CardMastercardKolo CardVisa
- Card formats
- ARQ CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- ARQ CardAvailableKolo CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidKolo CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedKolo Card$9,000/day
- Monthly spending limit
- ARQ CardNot disclosedKolo Card$9,000/month
- ATM limit
- ARQ CardNot disclosedKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronKolo CardNot disclosed
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- ARQ CardUSD receive, EUR receiveKolo CardNot disclosed
- Transfers
- ARQ CardARQ P2P; USD ACH payoutKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- ARQ CardUSDKolo CardEUR
Rewards
3 fields- Base cashback
- ARQ Card0%Kolo Card1%
- Max cashback
- ARQ Card2%Kolo Card2%
- Reward currency
- ARQ CardUSDc cashbackKolo CardBTC cashback
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYKolo CardNot offered
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultKolo CardNot offered
- Separate deposit
- ARQ CardYesKolo CardNot offered
- Use balance for spending
- ARQ CardNoKolo CardNot offered
- Lock-up
- ARQ CardNoKolo CardNot offered
Trust & availability
5 fields- Custody
- ARQ CardCustodialKolo CardCustodial
- Control until payment
- ARQ CardProvider controls fundsKolo CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- ARQ CardNot disclosedKolo CardSumSub
- Programme operator
- ARQ CardNot disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- ARQ Card36Kolo Card28
- Last reviewed
- ARQ CardAug 5, 2026Kolo CardAug 28, 2026
04 · The takeaway
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 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. Kolo Card has the higher published base cashback rate (1% 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 and Kolo Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 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 Kolo Card reviews first.
Continue with
ARQ Card
Continue with
Kolo Card
05 · Common questions
ARQ vs Kolo FAQ
Is ARQ or Kolo better overall?
Kolo Card has the higher Overall Score (73 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 Kolo?
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 Kolo?
Kolo Card has the higher published base cashback rate (1% 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 Kolo differ on custody?
ARQ Card and Kolo Card use the same custodial balance setup.
How current is this ARQ vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 64 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.