Why it stands out
- Residents get virtual, physical and phone-wallet Mastercard access.
- Premium starts at 1% and Prestige at 2%, then both step down after $500.
- USDc Earnings range from 2% to 4.5%, with instant return to the main account.
ARQ final cardStandard card design
Stablecoin account + Mastercard card
ARQ Card
ARQ Card turns a USDc account balance into virtual, physical and phone-wallet Mastercard spending for residents of Mexico, Colombia, Argentina and Brazil. Standard has no annual card fee, while Premium and Prestige add paid cashback and higher USDc Earnings rates.
Metal cardNo CEXTiered rewardsFree base planStarter-friendlyUSD rewards
Main trade-offs
- Regional charges are documented, but one reusable provider FX spread is unknown.
- Standard earns 0%; Premium and Prestige require recurring payment.
- ARQ controls the balance; yield strategy, insurance and subcustody are unclear.
01 · Core economics
Costs that matter
ARQ Card has a $0 entry option, with paid tiers for higher rewards or added benefits. Funding, FX and cash-access costs remain visible below.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Cash funding3 USDc / 3 EURcStandard receive fee: 3 USDc for USD or crypto funding and 3 EURc for EUR funding.
Foreign exchangeNot disclosedARQ does not publish a reusable provider FX spread; regional charges can apply in Argentina and Brazil.
ATM withdrawal1% Standard · 3% PrestigeARQ's fee depends on the card tier; ATM-operator and FX charges can still apply.
Card spending0%No listed base spend fee
Physical card$4.99Standard physical-card shipping is $4.99; Premium is $0, while Prestige terms stay tier-specific.
Limits and secondary feesLimits and other fees
Declined transactionNot disclosedListed
Daily card spendUnknownListed
Monthly card spendUnknownListed
ATM limitUnknownListed
Account depositUnknownListed
02 · Plans & rewards
Choose the plan and the rewards together
ARQ Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Standard tier: 0% cashback
Prestige: first $500/month, then 0.5%
USDc cashback
Highest current full-rate threshold; spend above it earns 0.5%
Memberships
Best default
$0/yrStandard
USDc balance-backed Mastercard
- Cashback
- 0% in USDc
- Requirement
- Verified ARQ account in an eligible residence country
- Secured credit
- Not included
- Virtual cards
- Free virtual card; normally issued within two minutes
- Physical card
- $4.99 Standard physical-card shipping
- Full-rate spend
- —
- Best fit
- Free entry tier with the base ARQ card programme.
Upgrade
$70/yrPremium
USDc balance-backed Mastercard
- Cashback
- 1% in USDc
- Requirement
- Paid Premium membership
- Secured credit
- Conditional rollout
- Virtual cards
- Included in the ARQ card programme
- Physical card
- Premium physical card fee is $0
- Full-rate spend
- $500 / month; then 0.5%
- Best fit
- Paid upgrade with 1% entry cashback and a free physical card.
Upgrade
$200/yr or Paid Prestige members...Prestige
Secured-credit card
- Cashback
- 2% in USDc
- Requirement
- Paid Prestige membership and approval for portfolio-backed credit
- Secured credit
- Portfolio-backed approval
- Virtual cards
- Up to three active virtual Prestige cards
- Physical card
- One active 16g metal Prestige card
- Full-rate spend
- $500 / month; then 0.5%
- Best fit
- Highest tier with 2% entry cashback and separate secured-credit metal-card mechanics.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
Account rails
- Stablecoin depositsAvailable
- USD bank detailsAvailable
- EUR bank detailsAvailable
- Local payoutsNot confirmed
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves ARQ
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive3 routes
Crypto deposits
1 route
Crypto depositsCredited to the ARQ USDc balance · Converted or credited into the ARQ account flowUSDCUSDTEthereumPolygonTronFeeNot confirmedSpeedNot confirmedLimitsProvider and account limits applyAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Asset / network map
USDC: Ethereum, Polygon · USDT: Ethereum, Polygon, Tron
Availability
Supported asset and network combinations
Fee scope
3 USDc Standard receive fee
Restrictions
· USDT receive routes are funding routes, not direct card top-ups.
Bank deposits
2 routes
USD receiveIncoming USD is credited as USDc; it is not a direct card-balance top-up.USDFeeNot confirmedSpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Availability
Incoming USD is credited as USDc; it is not a direct card-balance top-up.
Fee scope
3 USDc Standard receive fee
Limit scope
Not publicly confirmed
EUR receiveEUR processing uses the approved regional partner flow.EURFeeNot confirmedSpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- Fee terms are descriptive only
Availability
EUR processing uses the approved regional partner flow.
Fee scope
3 EURc Standard receive fee
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle2 routes
Internal transfers
1 route
ARQ P2PRecipient conditions and provider controls apply.USDcFee0%SpeedInstantLimitsNo published minimumAvailabilityConfirmed scopeDetails
Fee components
- 0% · transfer
Availability
ARQ users and invited non-users
Restrictions
Recipient conditions and provider controls apply.
Bank transfers & payouts
1 route
USD ACH payoutThe payout route is separate from card spending.USDFeeNot confirmedSpeedVaries by railLimitsProvider and account limits applyAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Availability
Eligible US bank accounts
Fee scope
3 USDc
Restrictions
The payout route is separate from card spending.
05 · Optional product
Add yield through a separate balance
ARQ USDc Earnings adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Spendable yield
ARQ USDc Earnings
Up to 2%-4.5% APY
- Yield source
- Not confirmed
- Redemption
- Available immediately in the main ARQ account
- Asset
- USDc
- Card relationship
- Separate from card spend
- Withdraw anytime
- Yes
- Deposit insurance
- Not confirmed
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where ARQ is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.
Countries explicitly listed4 countries
ArgentinaBrazilColombiaMexico
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productARQ
Provides the product and account experience. Named legal operators appear separately.
Custody controlARQ + programme partners
Controls settlement until payment.
Custodial account07 · Methodology
Why the score is 64
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
64/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Mastercard spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support75
Funding & transfers
3 inbound and 2 outbound routes cover crypto deposits, internal transfers and bank payouts.
Main constraint40
Rewards value
0% ungated cashback; 2% requires programme qualification and is paid in USDc.
08 · Evidence
Sources
39 sources36 officialChecked Jul 26, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
What is the ARQ Card? | ARQ Help CenterOfficial source ↗ARQ Card: is it debit or credit? | ARQ Help CenterOfficial source ↗Meet our new brand: Dolarapp is now ARQ | ARQ Help CenterOfficial source ↗ARQ costs and fees | ARQ Help CenterOfficial source ↗Does my ARQ Card have any costs? | ARQ Help CenterOfficial source ↗official fee pageOfficial source ↗
09 · Card comparison
How ARQ Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Mastercard access and money movement.
1 / 3
Current card
ARQ Card
Residents get virtual, physical and phone-wallet Mastercard access.
- Card
- Wallet-linked Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- %–2%
- FX fee
- Not confirmed
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDc, EURc, USDC +1
- Transfers & payouts
- Bank + Internal transfers
Similar match
KAST supports crypto sends, instant Tag transfers and global or local payouts.
- Card
- Prepaid Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1.5%–3%
- FX fee
- 0.5%–1.75%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT, USDC, USDe +2
- Transfers & payouts
- Crypto, Bank + Internal transfers
Similar match
Funding routes and Mastercard spending sit in the same Bybit EU account flow.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1%–1%
- FX fee
- 0.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
Help keep this page accurate
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Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.