ARQARQ
64
Side-by-side card comparison
ARQ vs Solid: fees, rewards and account setup
Solid Card has the higher Overall Score by 25 points (89 vs 64). Solid Card also looks stronger for Cashback, Funds control, Lowest fees, and Transfers. The details below show where ARQ Card may still be the better personal fit.
Information checked Aug 25, 202656 official sources reviewed
01 · Make the first cut
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. ARQ Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallARQ64Solid89Higher score
CashbackARQ41Solid91Higher score
TravelARQ62Solid62Same score
Funds controlARQ52Solid97Higher score
Lowest feesARQ52Solid89Higher score
TransfersARQ75Solid83Higher score
Choose ARQ Card if its day-to-day setup suits you
ARQ Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose Solid Card if cashback and funds control matter most
Solid Card comes out ahead for Cashback, 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.
- Savings can stay productive while spending
- Up to 50% on eligible AI subscriptions
- Eligible ACH/wire receive details
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- ARQ64Solid89
Solid Card has the higher Overall Score by 25 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXSolid$0 plan · 1% 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%Solid3% base · up to 5%
Solid Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- ARQCustodial balanceSolidSelf-controlled wallet
ARQ Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PaySolidVirtual · Apple Pay, Google Pay
ARQ Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutSolid3 stablecoins · Stablecoin transfers
ARQ Card lists more stablecoins and ways to send money out (6 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
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
- Cashback
- 3%-5%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 9 crypto · 1 fiat
- Payout methods
- 3 crypto · 0 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.
ARQ Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Solid Card
Get $15
$15 new-user bonus after qualifying card spend
- Activate the Solid Card.
- Complete $75 of card spend.
Solid Card promo code15QRE
Solid may change or end the referral programme; check the current Rewards Terms before signing up.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsARQ CardOverall64Solid CardOverall89
ARQ CardOverall64Solid CardOverall89Scores
6 fields- Overall Score
- ARQ Card64Solid Card89
- Cashback score
- ARQ Card41Solid Card91
- Travel score
- ARQ Card62Solid Card62
- Funds control score
- ARQ Card52Solid Card97
- Lowest fees score
- ARQ Card52Solid Card89
- Transfers score
- ARQ Card75Solid Card83
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessSolid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptions
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipSolid CardThe best rates require millions of points, ATM availability is still being checked
Costs
7 fields- Plan cost
- ARQ Card$0Solid Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applySolid Card1%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURSolid Card0%
- Card spending fee
- ARQ Card0%Solid Card0%
- ATM fee
- ARQ Card1–3%Solid CardNot available
- Virtual card
- ARQ CardFreeSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumSolid CardPhysical card not listed
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- ARQ CardPrestige: 2%Solid CardUltra: 5%
Everyday use
8 fields- Network
- ARQ CardMastercardSolid CardVisa
- Card formats
- ARQ CardVirtual, PhysicalSolid CardVirtual
- ATM withdrawals
- ARQ CardAvailableSolid CardNot available
- Mobile wallets
- ARQ CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidSolid CardiOS, Android, Web
- Daily spending limit
- ARQ CardNot disclosedSolid CardShown in app
- Monthly spending limit
- ARQ CardNot disclosedSolid CardShown in app
- ATM limit
- ARQ CardNot disclosedSolid CardNot disclosed
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronSolid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTSolid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- ARQ CardUSD receive, EUR receiveSolid CardUSD virtual account
- Transfers
- ARQ CardARQ P2P; USD ACH payoutSolid CardStablecoin transfers
- Payout currencies
- ARQ CardUSDSolid CardNot disclosed
Rewards
3 fields- Base cashback
- ARQ Card0%Solid Card3%
- Max cashback
- ARQ Card2%Solid Card5%
- Reward currency
- ARQ CardUSDc cashbackSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYSolid CardUp to 14% APY
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- ARQ CardYesSolid CardYes
- Use balance for spending
- ARQ CardNoSolid CardNo
- Lock-up
- ARQ CardNoSolid CardNot disclosed
Trust & availability
5 fields- Custody
- ARQ CardCustodialSolid CardSelf-custody
- Control until payment
- ARQ CardProvider controls fundsSolid CardYou keep control
- Card issuer
- ARQ CardNot disclosedSolid CardRain, Third National
- Card processing
- ARQ CardNot disclosedSolid CardFuse Network Ltd
- Programme operator
- ARQ CardNot disclosedSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- ARQ Card36Solid Card20
- Last reviewed
- ARQ CardAug 5, 2026Solid CardAug 25, 2026
04 · The takeaway
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 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. Solid Card has the higher published base cashback rate (3% vs 0%).
ARQ Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ARQ Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
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 ARQ Card and Solid Card reviews first.
Continue with
ARQ Card
Continue with
Solid Card
05 · Common questions
ARQ vs Solid FAQ
Is ARQ or Solid better overall?
Solid Card has the higher Overall Score (89 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 Solid?
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 Solid?
Solid Card has the higher published base cashback rate (3% vs 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 Solid differ on custody?
ARQ Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ARQ vs Solid comparison?
The latest information check for these two cards was August 25, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.