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64
Side-by-side card comparison
ARQ vs Spritz: overall score versus use-case fit
ARQ Card has the higher Overall Score by 2 points (64 vs 62). ARQ Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Spritz Card comes out ahead for Funds control.
Information checked Aug 28, 202677 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. Spritz Card may be the better fit for Funds control. 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.
OverallARQ64Spritz62Higher score
CashbackARQ41Spritz34Higher score
TravelARQ62Spritz46Higher score
Funds controlARQ52Spritz62Higher score
Lowest feesARQ52Spritz44Higher score
TransfersARQ75Spritz64Higher score
Choose ARQ Card if cashback and travel matter most
ARQ Card comes out ahead for Cashback, Travel, 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 Spritz Card if funds control matters most
Spritz Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- ARQ64Spritz62
ARQ Card has the higher Overall Score by 2 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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%Spritz0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- ARQCustodial balanceSpritzHybrid custody
ARQ Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PaySpritzVirtual + 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 payoutSpritz0 stablecoins · Wallet-to-bank Off-Ramp
ARQ Card lists more stablecoins and ways to send money out (6 vs 1).
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 fiat
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 CardOverall64Spritz CardOverall62
ARQ CardOverall64Spritz CardOverall62Scores
6 fields- Overall Score
- ARQ Card64Spritz Card62
- Cashback score
- ARQ Card41Spritz Card34
- Travel score
- ARQ Card62Spritz Card46
- Funds control score
- ARQ Card52Spritz Card62
- Lowest fees score
- ARQ Card52Spritz Card44
- Transfers score
- ARQ Card75Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- ARQ Card$0Spritz Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applySpritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURSpritz Card1–3%
- Card spending fee
- ARQ Card0%Spritz Card0%
- ATM fee
- ARQ Card1–3%Spritz CardNot disclosed
- Virtual card
- ARQ CardFreeSpritz CardNot disclosed
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumSpritz CardNot disclosed
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeSpritz CardNot disclosed
- Top cashback plan
- ARQ CardPrestige: 2%Spritz CardNot disclosed
Everyday use
8 fields- Network
- ARQ CardMastercardSpritz CardVisa
- Card formats
- ARQ CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableSpritz CardNot disclosed
- Mobile wallets
- ARQ CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- ARQ CardNot disclosedSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- ARQ CardNot disclosedSpritz CardNot disclosed
- ATM limit
- ARQ CardNot disclosedSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- ARQ CardUSD receive, EUR receiveSpritz CardNot disclosed
- Transfers
- ARQ CardARQ P2P; USD ACH payoutSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- ARQ CardUSDSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- ARQ Card0%Spritz Card0%
- Max cashback
- ARQ Card2%Spritz Card5%
- Reward currency
- ARQ CardUSDc cashbackSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYSpritz CardNot offered
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultSpritz CardNot offered
- Separate deposit
- ARQ CardYesSpritz CardNot offered
- Use balance for spending
- ARQ CardNoSpritz CardNot offered
- Lock-up
- ARQ CardNoSpritz CardNot offered
Trust & availability
3 fields- Custody
- ARQ CardCustodialSpritz CardHybrid custody
- Control until payment
- ARQ CardProvider controls fundsSpritz CardProvider controls funds
- Card processing
- ARQ CardNot disclosedSpritz CardRain
Sources
2 fields- Official sources
- ARQ Card36Spritz Card41
- Last reviewed
- ARQ CardAug 5, 2026Spritz CardAug 28, 2026
04 · The trade-off
ARQ Card is the stronger all-round choice
ARQ Card finishes ahead with an Overall Score of 64 versus 62 for Spritz 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%.
Spritz Card still comes out ahead for Funds control, 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 Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
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 Spritz Card reviews first.
Continue with
ARQ Card
Continue with
Spritz Card
05 · Common questions
ARQ vs Spritz FAQ
Is ARQ or Spritz better overall?
ARQ Card has the higher Overall Score (64 vs 62). 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 Spritz?
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 Spritz?
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 Spritz differ on custody?
ARQ Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ARQ vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 77 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.