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64
Side-by-side card comparison
ARQ vs Pionex: overall score versus use-case fit
ARQ Card has the higher Overall Score by 7 points (64 vs 57). ARQ Card looks stronger for Travel and Funds control, while Pionex Card comes out ahead for Cashback, Lowest fees, and Transfers.
Information checked Aug 14, 202695 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. Pionex Card may be the better fit for Cashback, 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.
OverallARQ64Pionex57Higher score
CashbackARQ41Pionex52Higher score
TravelARQ62Pionex29Higher score
Funds controlARQ52Pionex43Higher score
Lowest feesARQ52Pionex58Higher score
TransfersARQ75Pionex79Higher score
Choose ARQ Card if travel and funds control matter most
ARQ Card comes out ahead for Travel and Funds control 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 Pionex Card if cashback and lowest fees matter most
Pionex Card comes out ahead for Cashback, 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and 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
- ARQ64Pionex57
ARQ Card has the higher Overall Score by 7 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXPionex$0 plan · Not disclosed 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%Pionex0.1% base · up to 1%
Pionex Card has the higher published base cashback rate (0.1% vs 0%).
- Funds control
- ARQCustodial balancePionexCustodial balance
ARQ Card and Pionex Card use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayPionexVirtual · 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 payoutPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
ARQ Card lists more stablecoins and ways to send money out (6 vs 4).
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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 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 CardOverall64Pionex CardOverall57
ARQ CardOverall64Pionex CardOverall57Scores
6 fields- Overall Score
- ARQ Card64Pionex Card57
- Cashback score
- ARQ Card41Pionex Card52
- Travel score
- ARQ Card62Pionex Card29
- Funds control score
- ARQ Card52Pionex Card43
- Lowest fees score
- ARQ Card52Pionex Card58
- Transfers score
- ARQ Card75Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipPionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- ARQ Card$0Pionex Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyPionex CardNot disclosed
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURPionex CardNot disclosed
- Card spending fee
- ARQ Card0%Pionex Card3.5%
- ATM fee
- ARQ Card1–3%Pionex CardNot available
- Virtual card
- ARQ CardFreePionex CardAvailable
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumPionex CardNot available
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigePionex Card2 plans: Mastercard, Visa
- Top cashback plan
- ARQ CardPrestige: 2%Pionex CardVisa: 1%
Everyday use
8 fields- Network
- ARQ CardMastercardPionex CardVisa/Mastercard
- Card formats
- ARQ CardVirtual, PhysicalPionex CardVirtual
- ATM withdrawals
- ARQ CardAvailablePionex CardNot available
- Mobile wallets
- ARQ CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidPionex CardNot disclosed
- Daily spending limit
- ARQ CardNot disclosedPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- ARQ CardNot disclosedPionex Card$50,000-$100,000/month depending on network
- ATM limit
- ARQ CardNot disclosedPionex CardNot available
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronPionex CardNot disclosed
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTPionex CardOther crypto: Supported crypto
- Fiat deposits
- ARQ CardUSD receive, EUR receivePionex CardNot disclosed
- Transfers
- ARQ CardARQ P2P; USD ACH payoutPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- ARQ CardUSDPionex CardNot disclosed
Rewards
3 fields- Base cashback
- ARQ Card0%Pionex Card0.1%
- Max cashback
- ARQ Card2%Pionex Card1%
- Reward currency
- ARQ CardUSDc cashbackPionex CardUSDT
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYPionex CardUp to 5% APY
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultPionex CardEarn on spending balance
- Separate deposit
- ARQ CardYesPionex CardNo
- Use balance for spending
- ARQ CardNoPionex CardYes
- Lock-up
- ARQ CardNoPionex CardNo
Trust & availability
2 fields- Custody
- ARQ CardCustodialPionex CardCustodial
- Control until payment
- ARQ CardProvider controls fundsPionex CardProvider controls funds
Sources
2 fields- Official sources
- ARQ Card36Pionex Card59
- Last reviewed
- ARQ CardAug 5, 2026Pionex CardAug 14, 2026
04 · The trade-off
ARQ Card is the stronger all-round choice
ARQ Card finishes ahead with an Overall Score of 64 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Pionex Card has the higher published base cashback rate (0.1% vs 0%).
Pionex Card still comes out ahead for Cashback, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. ARQ Card and Pionex 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 Pionex Card reviews first.
Continue with
ARQ Card
Continue with
Pionex Card
05 · Common questions
ARQ vs Pionex FAQ
Is ARQ or Pionex better overall?
ARQ Card has the higher Overall Score (64 vs 57). 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 Pionex?
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 Pionex?
Pionex Card has the higher published base cashback rate (0.1% 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 Pionex differ on custody?
ARQ Card and Pionex Card use the same custodial balance setup.
How current is this ARQ vs Pionex comparison?
The latest information check for these two cards was August 14, 2026, using 95 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.