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64
Side-by-side card comparison
ARQ vs Solayer Pay: fees, rewards and account setup
ARQ Card has the higher Overall Score by 9 points (64 vs 55). ARQ Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 12, 202661 official sources reviewed
01 · Make the first cut
ARQ Card is the better all-round starting point
ARQ Card has the higher Overall Score in this comparison. Solayer Pay 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.
OverallARQ64Solayer Pay55Higher score
CashbackARQ41Solayer Pay20Higher score
TravelARQ62Solayer Pay53Higher score
Funds controlARQ52Solayer Pay47Higher score
Lowest feesARQ52Solayer Pay43Higher score
TransfersARQ75Solayer Pay29Higher score
Choose ARQ Card if cashback and travel matter most
ARQ 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.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose Solayer Pay Card if its day-to-day setup suits you
Solayer Pay 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.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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
- ARQ64Solayer Pay55
ARQ Card has the higher Overall Score by 9 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
ARQ Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- ARQ0% base · up to 2%Solayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- ARQCustodial balanceSolayer PayCustodial balance
ARQ Card and Solayer Pay Card use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PaySolayer PayVirtual + 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 payoutSolayer Pay1 stablecoin · Not modeled
ARQ Card lists more stablecoins and ways to send money out (6 vs 1).
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
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 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 CardOverall64Solayer Pay CardOverall55
ARQ CardOverall64Solayer Pay CardOverall55Scores
6 fields- Overall Score
- ARQ Card64Solayer Pay Card55
- Cashback score
- ARQ Card41Solayer Pay Card20
- Travel score
- ARQ Card62Solayer Pay Card53
- Funds control score
- ARQ Card52Solayer Pay Card47
- Lowest fees score
- ARQ Card52Solayer Pay Card43
- Transfers score
- ARQ Card75Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- ARQ Card$0Solayer Pay Card$20/year
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applySolayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURSolayer Pay Card1%
- Card spending fee
- ARQ Card0%Solayer Pay Card$0.15
- ATM fee
- ARQ Card1–3%Solayer Pay CardNot disclosed
- Virtual card
- ARQ CardFreeSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- ARQ CardPrestige: 2%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- ARQ CardMastercardSolayer Pay CardVisa
- Card formats
- ARQ CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedSolayer Pay CardShown in app
- Monthly spending limit
- ARQ CardNot disclosedSolayer Pay CardShown in app
- ATM limit
- ARQ CardNot disclosedSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronSolayer Pay CardSolana
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTSolayer Pay CardStablecoins: USDC
- Fiat deposits
- ARQ CardUSD receive, EUR receiveSolayer Pay CardNot disclosed
- Transfers
- ARQ CardARQ P2P; USD ACH payoutSolayer Pay CardNot disclosed
- Payout currencies
- ARQ CardUSDSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- ARQ Card0%Solayer Pay Card0%
- Max cashback
- ARQ Card2%Solayer Pay CardNot disclosed
- Reward currency
- ARQ CardUSDc cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYSolayer Pay CardUp to 3.5% APY
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- ARQ CardYesSolayer Pay CardNo
- Use balance for spending
- ARQ CardNoSolayer Pay CardYes
- Lock-up
- ARQ CardNoSolayer Pay CardNo
Trust & availability
5 fields- Custody
- ARQ CardCustodialSolayer Pay CardCustodial
- Control until payment
- ARQ CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedSolayer Pay CardThird National
- Identity verification
- ARQ CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- ARQ CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- ARQ Card36Solayer Pay Card25
- Last reviewed
- ARQ CardAug 5, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
ARQ Card is the stronger all-round choice
ARQ Card finishes ahead with an Overall Score of 64 versus 55 for Solayer Pay Card. ARQ Card has the lower starting plan cost ($0 vs $20/year). Both cards show the same base cashback rate of 0%.
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ARQ Card and Solayer Pay Card use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 1). 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 Solayer Pay Card reviews first.
Continue with
ARQ Card
Continue with
Solayer Pay Card
05 · Common questions
ARQ vs Solayer Pay FAQ
Is ARQ or Solayer Pay better overall?
ARQ Card has the higher Overall Score (64 vs 55). 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 Solayer Pay?
ARQ Card has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
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 Solayer Pay differ on custody?
ARQ Card and Solayer Pay Card use the same custodial balance setup.
How current is this ARQ vs Solayer Pay comparison?
The latest information check for these two cards was August 12, 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.