BybitBybit
68
Side-by-side card comparison
Bybit vs ARQ: overall score versus use-case fit
Bybit Card (Global) has the higher Overall Score by 4 points (68 vs 64). Bybit Card (Global) looks stronger for Cashback, Travel, Lowest fees, and Transfers, while ARQ Card comes out ahead for Funds control.
Information checked Aug 14, 202645 official sources reviewed
01 · Overall score versus use-case fit
Bybit Card (Global) is the better all-round starting point
Bybit Card (Global) has the higher Overall Score in this comparison. ARQ 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.
OverallBybit68ARQ64Higher score
CashbackBybit62ARQ41Higher score
TravelBybit76ARQ62Higher score
Funds controlBybit47ARQ52Higher score
Lowest feesBybit64ARQ52Higher score
TransfersBybit78ARQ75Higher score
Choose Bybit Card (Global) if cashback and travel matter most
Bybit Card (Global) 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.
- Spend from a Bybit account balance
- Physical and virtual Mastercard access
- Cashback can rise through tiers
Choose ARQ Card if funds control matters most
ARQ 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.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
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
- Bybit68ARQ64
Bybit Card (Global) has the higher Overall Score by 4 points.
- Entry cost & FX
- Bybit$0 plan · 1–7% FXARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges 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
- Bybit2% base · up to 10%ARQ0% base · up to 2%
Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
- Funds control
- BybitCustodial balanceARQCustodial balance
Bybit Card (Global) and ARQ Card use the same custodial balance setup.
- Everyday access
- BybitVirtual + Physical · UnknownARQVirtual + Physical · Apple Pay, Google Pay
ARQ Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalARQ4 stablecoins · ARQ P2P; USD ACH payout
ARQ Card lists more stablecoins and ways to send money out (6 vs 4).
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.
- Cashback
- 2%-10%
- Plan cost
- $0
- FX fee
- 1–7%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Bybit Card (Global)
Get 10 USDT
10 USDT referral reward after qualifying Bybit Card spend
- Spend more than 100 USDT or equivalent with the Bybit Card.
Bybit Card promo codeEXVJGK
Offer terms can change. Check the current Bybit Card referral programme before applying.
ARQ Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsBybit Card (Global)Overall68ARQ CardOverall64
Bybit Card (Global)Overall68ARQ CardOverall64Scores
6 fields- Overall Score
- Bybit Card (Global)68ARQ Card64
- Cashback score
- Bybit Card (Global)62ARQ Card41
- Travel score
- Bybit Card (Global)76ARQ Card62
- Funds control score
- Bybit Card (Global)47ARQ Card52
- Lowest fees score
- Bybit Card (Global)64ARQ Card52
- Transfers score
- Bybit Card (Global)78ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensiveARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- Bybit Card (Global)$0ARQ Card$0
- FX fee
- Bybit Card (Global)1–7%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- Bybit Card (Global)Not disclosedARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- Bybit Card (Global)Not disclosedARQ Card0%
- ATM fee
- Bybit Card (Global)0–2%ARQ Card1–3%
- Virtual card
- Bybit Card (Global)No fee until further noticeARQ CardFree
- Physical card
- Bybit Card (Global)Free / 5 / 29.99ARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2ARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- Bybit Card (Global)Infinite: 10%ARQ CardPrestige: 2%
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaARQ CardMastercard
- Card formats
- Bybit Card (Global)Virtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- Bybit Card (Global)AvailableARQ CardAvailable
- Mobile wallets
- Bybit Card (Global)Not disclosedARQ CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidARQ CardiOS, Android
- Daily spending limit
- Bybit Card (Global)$1k Peru · $5k Argentina · $13.5k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN MexicoARQ CardNot disclosed
- Monthly spending limit
- Bybit Card (Global)$5k Peru · $10k Argentina · $27k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN MexicoARQ CardNot disclosed
- ATM limit
- Bybit Card (Global)$50/$1.8k Australia L1/L2 · $10k Georgia/AIFC/APAC T2–T3 · 1.8m ARS Argentina · 27.5k BRL Brazil · 90k MXN Mexico · Peru/APAC T1 unsupportedARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedARQ CardEthereum, Polygon, Tron
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoARQ CardStablecoins: USDC, USDT
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositARQ CardUSD receive, EUR receive
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalARQ CardARQ P2P; USD ACH payout
- Payout currencies
- Bybit Card (Global)Not disclosedARQ CardUSD
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%ARQ Card0%
- Max cashback
- Bybit Card (Global)10%ARQ Card2%
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)ARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedARQ CardUp to 4.5% APY
- How it works
- Bybit Card (Global)Earn on spending balanceARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- Bybit Card (Global)Not disclosedARQ CardYes
- Use balance for spending
- Bybit Card (Global)YesARQ CardNo
- Lock-up
- Bybit Card (Global)NoARQ CardNo
Trust & availability
3 fields- Custody
- Bybit Card (Global)CustodialARQ CardCustodial
- Control until payment
- Bybit Card (Global)Provider controls fundsARQ CardProvider controls funds
- Card issuer
- Bybit Card (Global)Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.ARQ CardNot disclosed
Sources
2 fields- Official sources
- Bybit Card (Global)9ARQ Card36
- Last reviewed
- Bybit Card (Global)Aug 14, 2026ARQ CardAug 5, 2026
04 · The trade-off
Bybit Card (Global) is the stronger all-round choice
Bybit Card (Global) 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. Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
ARQ 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. Bybit Card (Global) and ARQ Card use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 4). 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 Bybit Card (Global) and ARQ Card reviews first.
Continue with
Bybit Card (Global)
Continue with
ARQ Card
05 · Common questions
Bybit vs ARQ FAQ
Is Bybit or ARQ better overall?
Bybit Card (Global) 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, Bybit or ARQ?
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, Bybit or ARQ?
Bybit Card (Global) has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bybit and ARQ differ on custody?
Bybit Card (Global) and ARQ Card use the same custodial balance setup.
How current is this Bybit vs ARQ comparison?
The latest information check for these two cards was August 14, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.