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64
Side-by-side card comparison
ARQ vs XPlace: overall score versus use-case fit
XPlace Card has the higher Overall Score by 4 points (68 vs 64). ARQ Card looks stronger for Travel and Transfers, while XPlace Card comes out ahead for Cashback, Funds control, and Lowest fees.
Information checked Aug 27, 202662 official sources reviewed
01 · Overall score versus use-case fit
XPlace Card is the better all-round starting point
XPlace Card has the higher Overall Score in this comparison. ARQ Card may be the better fit for Travel 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.
OverallARQ64XPlace68Higher score
CashbackARQ41XPlace49Higher score
TravelARQ62XPlace61Higher score
Funds controlARQ52XPlace67Higher score
Lowest feesARQ52XPlace69Higher score
TransfersARQ75XPlace62Higher score
Choose ARQ Card if travel and transfers matter most
ARQ Card comes out ahead for Travel 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 XPlace Card if cashback and funds control matter most
XPlace Card comes out ahead for Cashback, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
- ARQ64XPlace68
XPlace Card has the higher Overall Score by 4 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXXPlace$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%XPlace0.5% base · up to 4%
XPlace Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- ARQCustodial balanceXPlaceHybrid custody
ARQ Card uses a custodial balance setup, while XPlace 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 PayXPlaceVirtual + 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 payoutXPlace2 stablecoins · Stablecoin transfers
ARQ Card lists more stablecoins and ways to send money out (6 vs 3).
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%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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 CardOverall64XPlace CardOverall68
ARQ CardOverall64XPlace CardOverall68Scores
6 fields- Overall Score
- ARQ Card64XPlace Card68
- Cashback score
- ARQ Card41XPlace Card49
- Travel score
- ARQ Card62XPlace Card61
- Funds control score
- ARQ Card52XPlace Card67
- Lowest fees score
- ARQ Card52XPlace Card69
- Transfers score
- ARQ Card75XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- ARQ Card$0XPlace Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyXPlace Card0–1%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURXPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- ARQ Card0%XPlace Card0%
- ATM fee
- ARQ Card1–3%XPlace CardNot available
- Virtual card
- ARQ CardFreeXPlace CardNot disclosed
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumXPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeXPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- ARQ CardPrestige: 2%XPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- ARQ CardMastercardXPlace CardVisa
- Card formats
- ARQ CardVirtual, PhysicalXPlace CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableXPlace CardNot available
- Mobile wallets
- ARQ CardApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidXPlace CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- Monthly spending limit
- ARQ CardNot disclosedXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- ATM limit
- ARQ CardNot disclosedXPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronXPlace CardSolana
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTXPlace CardStablecoins: USDC
- Fiat deposits
- ARQ CardUSD receive, EUR receiveXPlace CardNot disclosed
- Transfers
- ARQ CardARQ P2P; USD ACH payoutXPlace CardStablecoin transfers
- Payout currencies
- ARQ CardUSDXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- ARQ Card0%XPlace Card0.5%
- Max cashback
- ARQ Card2%XPlace Card4%
- Reward currency
- ARQ CardUSDc cashbackXPlace CardUSDC
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYXPlace CardUp to 6.15% APY
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- ARQ CardYesXPlace CardYes
- Use balance for spending
- ARQ CardNoXPlace CardNo
- Lock-up
- ARQ CardNoXPlace CardNo
Trust & availability
5 fields- Custody
- ARQ CardCustodialXPlace CardHybrid custody
- Control until payment
- ARQ CardProvider controls fundsXPlace CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedXPlace CardThird National
- Card processing
- ARQ CardNot disclosedXPlace CardSignify Holdings, Inc. (Rain)
- Identity verification
- ARQ CardNot disclosedXPlace CardSumsub
Sources
2 fields- Official sources
- ARQ Card36XPlace Card26
- Last reviewed
- ARQ CardAug 5, 2026XPlace CardAug 27, 2026
04 · The trade-off
XPlace Card is the stronger all-round choice
XPlace Card finishes ahead with an Overall Score of 68 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. XPlace Card has the higher published base cashback rate (0.5% vs 0%).
ARQ Card still comes out ahead for Travel and Transfers, 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 XPlace 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 3). 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 XPlace Card reviews first.
Continue with
ARQ Card
Continue with
XPlace Card
05 · Common questions
ARQ vs XPlace FAQ
Is ARQ or XPlace better overall?
XPlace Card has the higher Overall Score (68 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 XPlace?
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 XPlace?
XPlace Card has the higher published base cashback rate (0.5% 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 XPlace differ on custody?
ARQ Card uses a custodial balance setup, while XPlace 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 XPlace comparison?
The latest information check for these two cards was August 27, 2026, using 62 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.