ARQARQ
64
Side-by-side card comparison
ARQ vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 13 points (77 vs 64). ARQ Card looks stronger for Cashback, while ZEN Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 23, 202679 official sources reviewed
01 · Overall score versus use-case fit
ZEN Card is the better all-round starting point
ZEN 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.
OverallARQ64ZEN77Higher score
CashbackARQ41ZEN39Higher score
TravelARQ62ZEN96Higher score
Funds controlARQ52ZEN65Higher score
Lowest feesARQ52ZEN80Higher score
TransfersARQ75ZEN98Higher 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 ZEN Card if travel and funds control matter most
ZEN 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.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
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
- ARQ64ZEN77
ZEN Card has the higher Overall Score by 13 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXZEN$0 plan · 0–0.5% 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%ZEN0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- ARQCustodial balanceZENCustodial balance
ARQ Card and ZEN Card use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayZENVirtual + 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 payoutZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ARQ Card lists more stablecoins and ways to send money out (6 vs 5).
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
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 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 CardOverall64ZEN CardOverall77
ARQ CardOverall64ZEN CardOverall77Scores
6 fields- Overall Score
- ARQ Card64ZEN Card77
- Cashback score
- ARQ Card41ZEN Card39
- Travel score
- ARQ Card62ZEN Card96
- Funds control score
- ARQ Card52ZEN Card65
- Lowest fees score
- ARQ Card52ZEN Card80
- Transfers score
- ARQ Card75ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- ARQ Card$0ZEN Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyZEN Card0–0.5%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURZEN Card0–3%
- Card spending fee
- ARQ Card0%ZEN Card0%
- ATM fee
- ARQ Card1–3%ZEN Card0–1.5%
- Virtual card
- ARQ CardFreeZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- ARQ CardPrestige: 2%ZEN CardFree: 0%
Everyday use
8 fields- Network
- ARQ CardMastercardZEN CardMastercard/Visa
- Card formats
- ARQ CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableZEN CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- ARQ CardNot disclosedZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- ARQ CardNot disclosedZEN CardNot publicly confirmed
- ATM limit
- ARQ CardNot disclosedZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronZEN CardNot disclosed
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- ARQ CardUSD receive, EUR receiveZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- ARQ CardARQ P2P; USD ACH payoutZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- ARQ CardUSDZEN CardEUR
Rewards
3 fields- Base cashback
- ARQ Card0%ZEN Card0%
- Max cashback
- ARQ Card2%ZEN CardNot disclosed
- Reward currency
- ARQ CardUSDc cashbackZEN CardTransaction currency
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYZEN CardNot offered
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultZEN CardNot offered
- Separate deposit
- ARQ CardYesZEN CardNot offered
- Use balance for spending
- ARQ CardNoZEN CardNot offered
- Lock-up
- ARQ CardNoZEN CardNot offered
Trust & availability
4 fields- Custody
- ARQ CardCustodialZEN CardCustodial
- Control until payment
- ARQ CardProvider controls fundsZEN CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedZEN CardUAB ZEN.COM
- Deposits & withdrawals
- ARQ CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
Sources
2 fields- Official sources
- ARQ Card36ZEN Card43
- Last reviewed
- ARQ CardAug 5, 2026ZEN CardAug 23, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 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. 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 ZEN Card use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 5). 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 ZEN Card reviews first.
Continue with
ARQ Card
Continue with
ZEN Card
05 · Common questions
ARQ vs ZEN FAQ
Is ARQ or ZEN better overall?
ZEN Card has the higher Overall Score (77 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 ZEN?
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 ZEN?
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 ZEN differ on custody?
ARQ Card and ZEN Card use the same custodial balance setup.
How current is this ARQ vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 79 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.