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Gold ARQ Mastercard
64Overall

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.

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.
Read review
KAST K Card card design
84Overall

Best fit

  • USD spending on Standard: 1.5% cashback, capped at $30/month.
  • Using stablecoins for card purchases and local bank payouts.

Before you choose

  • Non-USD purchases add 0.5–1.75% FX; those below $25 also cost $0.10.
  • ATM withdrawals cost $3 + 2%, plus FX when withdrawing non-USD cash.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
ARQ Card: 64
KAST Card: 84
Cashback score
ARQ Card: 40
KAST Card: 75
Travel score
ARQ Card: 62
KAST Card: 93
Funds control score
ARQ Card: 52
KAST Card: 71
Lowest fees score
ARQ Card: 52
KAST Card: 82
Transfers score
ARQ Card: 75
KAST Card: 100
02

Costs

Plan cost
ARQ Card: $0
KAST Card: $0
FX fee
ARQ Card: Not disclosed
KAST Card: 0.5–1.75%
Top-up fee
ARQ Card: Standard receive: 3 USDc for USD/crypto and 3 EURc for EUR
KAST Card: 0%
Card spending fee
ARQ Card: 0%
KAST Card: 0%
ATM fee
ARQ Card: 1% Standard · 3% Prestige
KAST Card: $3 + 2%
Virtual card
ARQ Card: Free
KAST Card: Free first two
Physical card
ARQ Card: $0–$4.99 in Mexico
KAST Card: $0 + $40 shipping
Asset conversion fee
ARQ Card: Not disclosed
KAST Card: 0%
03

Plans & rewards

Entry plan
ARQ Card: Standard
KAST Card: Standard
Base cashback
ARQ Card: 0%
KAST Card: 1.5%
Max cashback
ARQ Card: 2%
KAST Card: 3%
Reward currency
ARQ Card: USDc
KAST Card: USD
Cashback cap · entry plan
ARQ Card: Not disclosed
KAST Card: $30 / month
Full-rate spend · entry plan
ARQ Card: Not listed
KAST Card: $2,000 / month
Rate after spend cap · entry plan
ARQ Card: Not disclosed
KAST Card: 0%
Top cashback plan
ARQ Card: Prestige
KAST Card: Private
Cashback on top plan
ARQ Card: 2% in USDc
KAST Card: 3% in USD
Cashback cap · top plan
ARQ Card: Not disclosed
KAST Card: $1,200 / month
Full-rate spend · top plan
ARQ Card: $500 / month
KAST Card: $40,000 / month
Rate after spend cap · top plan
ARQ Card: 0.5%
KAST Card: 0%
Top plan price / access
ARQ Card: $200/yr or See requirements
KAST Card: $10,000/yr
Top plan qualification
ARQ Card: Paid Prestige membership and approval for portfolio-backed credit
KAST Card: Not disclosed
04

Everyday use

Network
ARQ Card: Mastercard
KAST Card: Visa
Card formats
ARQ Card: Virtual, Physical
KAST Card: Virtual, Physical
ATM withdrawals
ARQ Card: Available
KAST Card: Available
Mobile wallets
ARQ Card: Apple Pay, Google Pay
KAST Card: Apple Pay, Google Pay
Apps
ARQ Card: iOS, Android
KAST Card: iOS, Android
Daily spending limit
ARQ Card: Unknown
KAST Card: No cap
Monthly spending limit
ARQ Card: Unknown
KAST Card: No cap
ATM limit
ARQ Card: Unknown
KAST Card: $1,500 / 24 hours
05

Money in & out

Networks
ARQ Card: Ethereum, Polygon, Tron
KAST Card: Solana, Ethereum, Tron, Polygon, BNB Chain +8
Stablecoin deposits
ARQ Card: USDC, USDT
KAST Card: USDT, USDC, USDe, PYUSD, RLUSD
Other crypto deposits
ARQ Card: Not disclosed
KAST Card: BTC, ETH, SOL, XRP, AAVE +22
Fiat deposits
ARQ Card: USD receive, EUR receive
KAST Card: USD bank transfer, EU bank transfer, BRL PIX deposit +3
Crypto transfers
ARQ Card: Not disclosed
KAST Card: Stablecoin transfers
Internal transfers
ARQ Card: ARQ P2P
KAST Card: KAST Tag
Bank transfers
ARQ Card: USD ACH payout
KAST Card: Global USD SWIFT payout, USD local payout, EUR SEPA payout +1
Payout currencies
ARQ Card: USD
KAST Card: USD, EUR, AED, SAR, JPY +7
06

Earn

Advertised APY
ARQ Card: Up to 4.5% APY
KAST Card: Up to 7% APY
How it works
ARQ Card: Earn on spending balance, Optional earn vault
KAST Card: Optional earn vault
Separate deposit
ARQ Card: Yes
KAST Card: Yes
Use balance for spending
ARQ Card: No
KAST Card: No
Lock-up
ARQ Card: No
KAST Card: No
07

Trust & sources

Custody
ARQ Card: Custodial
KAST Card: Custodial
Control until payment
ARQ Card: Provider controls funds
KAST Card: Provider controls funds
Card issuer
ARQ Card: Not disclosed
KAST Card: Third National
Card processing
ARQ Card: Not disclosed
KAST Card: Tazapay
Custody / key management
ARQ Card: Not disclosed
KAST Card: BitGo
Programme operator
ARQ Card: Not disclosed
KAST Card: Troia Corp
Official sources
ARQ Card: 36
KAST Card: 20
Last reviewed
ARQ Card: Oct 11, 2026
KAST Card: Oct 14, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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