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64
Side-by-side card comparison
ARQ vs Plasma One: fees, rewards and account setup
Plasma One Card has the higher Overall Score by 23 points (87 vs 64). Plasma One 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 27, 202648 official sources reviewed
01 · Make the first cut
Plasma One Card is the better all-round starting point
Plasma One 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.
OverallARQ64Plasma One87Higher score
CashbackARQ41Plasma One78Higher score
TravelARQ62Plasma One72Higher score
Funds controlARQ52Plasma One99Higher score
Lowest feesARQ52Plasma One80Higher score
TransfersARQ75Plasma One100Higher 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 Plasma One Card if cashback and travel matter most
Plasma One 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.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
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
- ARQ64Plasma One87
Plasma One Card has the higher Overall Score by 23 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXPlasma One$0 plan · 0–1% 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%Plasma One2% base · up to 10%
Plasma One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- ARQCustodial balancePlasma OneSelf-controlled wallet
ARQ Card uses a custodial balance setup, while Plasma One 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 PayPlasma OneVirtual + 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 payoutPlasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawals
Both cards list the same number of stablecoins and ways to send money out.
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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 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 CardOverall64Plasma One CardOverall87
ARQ CardOverall64Plasma One CardOverall87Scores
6 fields- Overall Score
- ARQ Card64Plasma One Card87
- Cashback score
- ARQ Card41Plasma One Card78
- Travel score
- ARQ Card62Plasma One Card72
- Funds control score
- ARQ Card52Plasma One Card99
- Lowest fees score
- ARQ Card52Plasma One Card80
- Transfers score
- ARQ Card75Plasma One Card100
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessPlasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perks
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipPlasma One CardPhysical access is limited; no ATM, Cashback is capped by tier
Costs
7 fields- Plan cost
- ARQ Card$0Plasma One Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyPlasma One Card0–1%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURPlasma One Card0%
- Card spending fee
- ARQ Card0%Plasma One CardNot disclosed
- ATM fee
- ARQ Card1–3%Plasma One CardNot available
- Virtual card
- ARQ CardFreePlasma One CardUp to 3 free virtual cards by tier
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumPlasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigePlasma One Card3 plans: Lite, Core, Platinum
- Top cashback plan
- ARQ CardPrestige: 2%Plasma One CardPlatinum: 4%
Everyday use
8 fields- Network
- ARQ CardMastercardPlasma One CardVisa
- Card formats
- ARQ CardVirtual, PhysicalPlasma One CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailablePlasma One CardNot available
- Mobile wallets
- ARQ CardApple Pay, Google PayPlasma One CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidPlasma One CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedPlasma One CardShown in app
- Monthly spending limit
- ARQ CardNot disclosedPlasma One CardShown in app
- ATM limit
- ARQ CardNot disclosedPlasma One CardNot available, including for physical cards
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronPlasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTPlasma One CardStablecoins: USDT, USDC, USDG
- Fiat deposits
- ARQ CardUSD receive, EUR receivePlasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual account
- Transfers
- ARQ CardARQ P2P; USD ACH payoutPlasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawals
- Payout currencies
- ARQ CardUSDPlasma One CardUSD, EUR, GBP, MXN, BRL, COP
Rewards
3 fields- Base cashback
- ARQ Card0%Plasma One Card2%
- Max cashback
- ARQ Card2%Plasma One Card10%
- Reward currency
- ARQ CardUSDc cashbackPlasma One CardUSD cashback paid in XPL
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYPlasma One CardUp to 5% APY
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultPlasma One CardOptional earn vault
- Separate deposit
- ARQ CardYesPlasma One CardYes
- Use balance for spending
- ARQ CardNoPlasma One CardNo
- Lock-up
- ARQ CardNoPlasma One CardNo
Trust & availability
7 fields- Custody
- ARQ CardCustodialPlasma One CardSelf-custody
- Control until payment
- ARQ CardProvider controls fundsPlasma One CardYou keep control
- Card issuer
- ARQ CardNot disclosedPlasma One CardRain, Third National
- Card processing
- ARQ CardNot disclosedPlasma One Card0x
- Custody / key management
- ARQ CardNot disclosedPlasma One CardPrivy, Veda
- Deposits & withdrawals
- ARQ CardNot disclosedPlasma One CardBridge, Bridge Ventures LLC
- Programme operator
- ARQ CardNot disclosedPlasma One CardPlasma
Sources
2 fields- Official sources
- ARQ Card36Plasma One Card12
- Last reviewed
- ARQ CardAug 5, 2026Plasma One CardAug 27, 2026
04 · The takeaway
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 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. Plasma One Card has the higher published base cashback rate (2% 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 uses a custodial balance setup, while Plasma One 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 Plasma One Card reviews first.
Continue with
ARQ Card
Continue with
Plasma One Card
05 · Common questions
ARQ vs Plasma One FAQ
Is ARQ or Plasma One better overall?
Plasma One Card has the higher Overall Score (87 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 Plasma One?
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 Plasma One?
Plasma One Card has the higher published base cashback rate (2% 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 Plasma One differ on custody?
ARQ Card uses a custodial balance setup, while Plasma One 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 Plasma One comparison?
The latest information check for these two cards was August 27, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.