ARQARQ
64
Side-by-side card comparison
ARQ vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 6 points (70 vs 64). ARQ Card looks stronger for Cashback, while Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Sep 1, 202657 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. ARQ Card may be the better fit for Cashback. 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.
OverallARQ64Xapo70Higher score
CashbackARQ41Xapo24Higher score
TravelARQ62Xapo91Higher score
Funds controlARQ52Xapo63Higher score
Lowest feesARQ52Xapo77Higher score
TransfersARQ75Xapo100Higher score
Choose ARQ Card if cashback matters most
ARQ Card comes out ahead for Cashback 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 Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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
- ARQ64Xapo70
Xapo Card has the higher Overall Score by 6 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXXapo$1,000/year plan · 0–0.29% FX
ARQ Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- ARQ0% base · up to 2%Xapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- ARQCustodial balanceXapoCustodial balance
ARQ Card and Xapo Card use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
ARQ Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 vs 6).
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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall64Xapo CardOverall70
ARQ CardOverall64Xapo CardOverall70Scores
6 fields- Overall Score
- ARQ Card64Xapo Card70
- Cashback score
- ARQ Card41Xapo Card24
- Travel score
- ARQ Card62Xapo Card91
- Funds control score
- ARQ Card52Xapo Card63
- Lowest fees score
- ARQ Card52Xapo Card77
- Transfers score
- ARQ Card75Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- ARQ Card$0Xapo Card$1,000/year
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyXapo Card0–0.29%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- ARQ Card0%Xapo Card0%
- ATM fee
- ARQ Card1–3%Xapo Card0–2%
- Virtual card
- ARQ CardFreeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- ARQ CardPrestige: 2%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- ARQ CardMastercardXapo CardVisa/Mastercard
- Card formats
- ARQ CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableXapo CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- ARQ CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- ARQ CardNot disclosedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- ARQ CardNot disclosedXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- ARQ CardUSD receive, EUR receiveXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- ARQ CardARQ P2P; USD ACH payoutXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- ARQ CardUSDXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- ARQ Card0%Xapo Card0%
- Max cashback
- ARQ Card2%Xapo Card3%
- Reward currency
- ARQ CardUSDc cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYXapo CardUp to 3.35% APY
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultXapo CardEarn on spending balance
- Separate deposit
- ARQ CardYesXapo CardNo
- Use balance for spending
- ARQ CardNoXapo CardYes
- Lock-up
- ARQ CardNoXapo CardNo
Trust & availability
4 fields- Custody
- ARQ CardCustodialXapo CardCustodial
- Control until payment
- ARQ CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedXapo CardTransact Payments Malta Limited
- Bank transfers
- ARQ CardNot disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- ARQ Card36Xapo Card21
- Last reviewed
- ARQ CardAug 5, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 64 for ARQ Card. ARQ Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
ARQ Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. ARQ Card and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
ARQ Card
Continue with
Xapo Card
05 · Common questions
ARQ vs Xapo FAQ
Is ARQ or Xapo better overall?
Xapo Card has the higher Overall Score (70 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 Xapo?
ARQ Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
ARQ Card and Xapo Card use the same custodial balance setup.
How current is this ARQ vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 57 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.