ARQARQ
64
Side-by-side card comparison
ARQ vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 21 points (85 vs 64). ARQ Card looks stronger for Travel, while Solid Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Oct 11, 202656 official sources reviewed
01 · Overall score versus use-case fit
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. ARQ Card may be the better fit for Travel. 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.
OverallARQ64Solid85Higher score
CashbackARQ40Solid89Higher score
TravelARQ62Solid58Higher score
Funds controlARQ52Solid94Higher score
Lowest feesARQ52Solid81Higher score
TransfersARQ75Solid78Higher score
Choose ARQ Card if travel matters most
ARQ Card comes out ahead for Travel 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
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
- Higher rates in selected categories
- Eligible ACH/wire receive details
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
- ARQ64Solid85
Solid Card has the higher Overall Score by 21 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXSolid$0 plan · 0–2% 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 payoutSolid4 stablecoins · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
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.
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
- 0–2%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 17 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
$25 in FUSE
$25 in FUSE after $150 of qualifying card spend
- Sign up through the referral link, verify identity and activate the Solid Card.
- Within 30 days of signup, spend $150 on eligible everyday purchases at three or more shops, at least $10 total at each. Purchases below $2 do not count.
- After qualification, make one more eligible purchase of at least $10 before payout.
Solid Card promo code15QRE
The $25 value converts to FUSE at payout; FUSE can lose value. October 8 eligibility changes apply to all unpaid rewards, including already-qualified referrals. Referrals before September 8 retain $15 USDC / $75 spend, subject to the updated eligibility rules. Maximum 50 referral rewards. Solid can change or end the programme.
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
CardsARQ CardOverall64Solid CardOverall85
ARQ CardOverall64Solid CardOverall85Scores
6 fields- Overall Score
- ARQ Card64Solid Card85
- Cashback score
- ARQ Card40Solid Card89
- Travel score
- ARQ Card62Solid Card58
- Funds control score
- ARQ Card52Solid Card94
- Lowest fees score
- ARQ Card52Solid Card81
- Transfers score
- ARQ Card75Solid Card78
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessSolid CardSavings can stay productive while spending, Higher rates in selected categories
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipSolid CardHigher tiers require payment or locked FUSE, 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 Card0–2%
- 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 CardMexico: Standard shipping $4.99; first physical card free with Main Balance above $100 or Premium. Other countries must confirm local terms.Solid 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, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- ARQ CardUSD receive, EUR receiveSolid CardUSD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13
- 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, Wirex
- 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 CardOct 11, 2026Solid CardOct 11, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 85 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 still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. 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.
Both cards list the same number of stablecoins and ways to send money out. 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 (85 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 October 11, 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.