ARQ final cardStandard card design

Source checked39 sourcesLast checked Oct 11, 2026

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.

View ARQ Compare card

Best fit

USDc spending for eligible residents of Mexico, Colombia, Argentina or Brazil.
Sending funds to other ARQ users without a provider P2P transfer fee.
Trying Standard with a free virtual card and no annual membership fee.

Before you choose

Standard earns no cashback; Premium and Prestige require paid subscriptions.
Premium's 1% and Prestige's 2% drop to 0.5% after 500 USDc each month.
Standard charges 3 USDc for USD/crypto receipts; the FX spread is unpublished.

01 · Fees & limits

Card costs

ItemValueConditions & scope

Entry plan$0 / yearStandard tier.

Foreign feesNot disclosedARQ does not publish a reusable provider FX spread; regional charges can apply in Argentina and Brazil.

ATM withdrawal1–3%Standard: 1%. Prestige metal: 3%. ATM-operator and FX charges may also apply.

Card spending0%Card payment fee. FX and conversion charges are listed separately.

Physical card$0–$4.99 in MexicoMexico: Standard shipping $4.99; first physical card free with Main Balance above $100 or Premium. Other countries must confirm local terms.

Limits and secondary fees

ItemValueConditions & scope

Declined transactionNot disclosedNo reusable declined-transaction fee is published.

Daily card spendNot disclosed

Monthly card spendNot disclosed

ATM limitNot disclosed

Account depositNot disclosed

02 · Plans & rewards

Cashback & memberships

Entry rate0%

Standard tier

Maximum rate2%

Prestige membership

Reward assetUSDc

Eligible spend at full rate$500 / month

Highest current full-rate threshold; spend above it earns 0.5%

Memberships

Entry plan

Standard

USDc balance-backed Mastercard

$0/ year

Cashback: 0%
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: Mexico: free above $100 or with Premium; $4.99 shipping. Elsewhere: confirm locally
Full-rate spend: Not listed
Monthly option: Not applicable

Paid plan

Premium

USDc balance-backed Mastercard

$69.99/ year

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%
Monthly option: 6.99 USDc / month

Paid plan

Prestige

Secured-credit card

$199.99/ year

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%
Monthly option: $19.99 / month in Brazil

03 · Everyday use

Card access & apps

Card access

Mastercard network
Virtual card
Physical card
ATM withdrawals

Wallets & apps

Apple Pay
Google Pay
iOS app
Android app
Web appNot confirmed

04 · Money in and out

Balance, payments & transfers

Balance & payments

Account balance

Funds sit in a custodial account balance before card spend or payout.

Conversion

How a received asset reaches the spendable balance depends on the supported asset and account setup.

Money in

Crypto depositsUSDC · USDTFee3 USDc Standard receive feeDetails

Networks by asset: USDC: Ethereum, Polygon · USDT: Ethereum, Polygon, Tron
Conditions: USDT receive routes are funding routes, not direct card top-ups.
Timing: Not confirmed
How it works: Deposits are converted or credited to the ARQ USDc balance.

USD receiveUSDFee3 USDc Standard receive feeDetails

Availability: Incoming USD is credited as USDc; it is not a direct card-balance top-up.
Limits: Not publicly confirmed
Timing: Depends on ACH or wire processing

EUR receiveEURFee3 EURc Standard receive feeDetails

Availability: EUR transfers use a regional partner.
Limits: Not publicly confirmed
Timing: SEPA processing time applies

Money out

ARQ P2PUSDcFee0%Details

Availability: ARQ users and invited non-users
Conditions: Recipient conditions and provider controls apply.
Timing: Instant
Limits: No published minimum
Fee breakdown: 0% · transfer

USD ACH payoutUSDFee3 USDcDetails

Availability: Eligible US bank accounts
Conditions: The payout route is separate from card spending.
Timing: ACH processing time applies

05 · Optional product

Yield & access to your funds

ARQ USDc EarningsSpendable yieldRateUp to 2%-4.5% APYCard relationshipSeparate from card spend

Yield source: Not confirmed
Withdrawals: Available immediately in the main ARQ account
Asset: USDc
Withdraw anytime: Yes
Deposit insurance: Not confirmed

ARQ USDc Earnings uses a separate yield position. Current rates and withdrawal terms apply.

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

Availability & providers

Identity & KYC

Required

Identity verification is required to access card services.

Availability

4 countries explicitly listed

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 account

07 · Methodology

Why the score is 64

Missing or undisclosed fields receive no positive credit.

64/100

Moderate

Higher is better

Cost efficiency 56

Rewards value 40

Everyday usability 99

Funding & transfers 75

Availability & eligibility 59

Custody & control 54

Company & infrastructure 45

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.

09 · Card comparison

How ARQ Card compares to others

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: 0%–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

Illustrative black ZEN Mastercard card concept

ZEN Card

Better, Best and ZEN include Reward Zone; individual reward conditions apply.

Card: Card type not confirmed Mastercard + Visa, Virtual + Physical
Funds control: Custodial balance
Cashback: 0% base
FX fee: Good: €1,000/month weekday exchange free, then 0.5%; Better: €3,000, then 0.25%. Best adds 0.1% over the network rate for card currencies not supported for holding. Outside-market-hours charges and plan conditions apply.
Apps: iOS, Android, Web app
Stablecoin set: USDT + USDC
Transfers & payouts: Crypto, Bank + Internal transfers

Similar match

Brighty Card

The One plan has no monthly charge, while Plus and Pro add more cards.

Card: Debit Visa + Mastercard, Virtual + Physical
Funds control: Custodial balance
Cashback: 0.5%–1.75%
FX fee: 2%
Apps: iOS, Android · Web app not confirmed
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.

Compare Cards

10 · Evidence

Sources

39 sources36 officialSources checked Oct 11, 2026Profile updated Oct 11, 2026

Primary sourcesOfficial product, fee, membership and legal pages

ARQ brand and card delivery updateOfficial source ↗ARQ Mexico costs and feesOfficial source ↗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 ↗

Unconfirmed details6 items

These details have not been verified for this profile. Missing information does not mean a service is free or available.

FX fee
Earn Yield Programs Arq Usdc Earnings Strategy And Insurance is not confirmed
Card Fx Spread Percent is not confirmed
Yield Source Strategy And Insurance is not confirmed
Publisher Affiliate Terms is not confirmed
External-card top-up fee

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