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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
Illustrative black ZEN Mastercard card concept
ZEN.COM

ZEN Card

78Overall

Best fit

  • Combining multi-currency card spending, SEPA transfers and crypto cash-outs.
  • Shopping with participating online merchants for offer-specific cashback.

Before you choose

  • Good charges 1% for crypto top-ups; card spending uses the converted fiat balance.
  • Legacy plans change after notice; exchange allowances depend on the new plan.
Read review
Pearl-finish Brighty Visa card face
70Overall

Best fit

  • Combining crypto account funding with SEPA and Faster Payments transfers.
  • Trying the free One plan with 0.5% USDC cashback, capped at 20 USDC/month.

Before you choose

  • Incoming SEPA costs at least €10; SWIFT deposits cost at least €50.
  • Physical Visa access needs a paid plan; Plus is €9/month and Pro €18/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
4 of 4 cards selected

Fees, rewards & everyday use

Compare the details

Showing 2 of 4 cards. Tap a card menu below to change the pair.

01

Scores

Overall Score
ARQ Card: 64
ZEN Card: 78
Brighty Card: 70
KAST Card: 84
Cashback score
ARQ Card: 40
ZEN Card: 40
Brighty Card: 48
KAST Card: 75
Travel score
ARQ Card: 62
ZEN Card: 98
Brighty Card: 80
KAST Card: 93
Funds control score
ARQ Card: 52
ZEN Card: 66
Brighty Card: 65
KAST Card: 71
Lowest fees score
ARQ Card: 52
ZEN Card: 83
Brighty Card: 67
KAST Card: 82
Transfers score
ARQ Card: 75
ZEN Card: 98
Brighty Card: 93
KAST Card: 100
02

Costs

Plan cost
ARQ Card: $0
ZEN Card: $0
Brighty Card: $0
KAST Card: $0
FX fee
ARQ Card: Not disclosed
ZEN Card: 0.1–0.5%
Brighty Card: Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
KAST Card: 0.5–1.75%
Top-up fee
ARQ Card: Standard receive: 3 USDc for USD/crypto and 3 EURc for EUR
ZEN Card: Good crypto top-up: 1%. Card-funded top-ups and other new-plan routes: check the current tariff. Legacy card-funded rates apply only until migration
Brighty Card: 0.3–0.7%
KAST Card: 0%
Card spending fee
ARQ Card: 0%
ZEN Card: 0%
Brighty Card: Not disclosed
KAST Card: 0%
ATM fee
ARQ Card: 1% Standard · 3% Prestige
ZEN Card: 1.75%
Brighty Card: Not disclosed
KAST Card: $3 + 2%
Virtual card
ARQ Card: Free
ZEN Card: Good includes a virtual card; Best includes up to 6. Other allowances follow the new plan tariff.
Brighty Card: Visa and Mastercard: published issue price €2.99; included-card interaction unresolved
KAST Card: Free first two
Physical card
ARQ Card: $0–$4.99 in Mexico
ZEN Card: Plan-dependent
Brighty Card: $0
KAST Card: $0 + $40 shipping
Asset conversion fee
ARQ Card: Not disclosed
ZEN Card: 0%
Brighty Card: 0.6%
KAST Card: 0%
Network conversion surcharge
ARQ Card: Not disclosed
ZEN Card: Not disclosed
Brighty Card: Up to 2%
KAST Card: Not disclosed
03

Plans & rewards

Entry plan
ARQ Card: Standard
ZEN Card: Good
Brighty Card: One
KAST Card: Standard
Base cashback
ARQ Card: 0%
ZEN Card: Offer-specific
Brighty Card: 0.5%
KAST Card: 1.5%
Max cashback
ARQ Card: 2%
ZEN Card: Shown in app
Brighty Card: 1.75%
KAST Card: 3%
Reward currency
ARQ Card: USDc
ZEN Card: Transaction currency
Brighty Card: USDC
KAST Card: USD
Cashback cap · entry plan
ARQ Card: Not disclosed
ZEN Card: Not disclosed
Brighty Card: $20 / month
KAST Card: $30 / month
Full-rate spend · entry plan
ARQ Card: Not listed
ZEN Card: Not disclosed
Brighty Card: Not disclosed
KAST Card: $2,000 / month
Rate after spend cap · entry plan
ARQ Card: Not disclosed
ZEN Card: Not disclosed
Brighty Card: Not disclosed
KAST Card: 0%
Top cashback plan
ARQ Card: Prestige
ZEN Card: Not disclosed
Brighty Card: One
KAST Card: Private
Cashback on top plan
ARQ Card: 2% in USDc
ZEN Card: Not disclosed
Brighty Card: 0.5% in USDC
KAST Card: 3% in USD
Cashback cap · top plan
ARQ Card: Not disclosed
ZEN Card: Not disclosed
Brighty Card: $20 / month
KAST Card: $1,200 / month
Full-rate spend · top plan
ARQ Card: $500 / month
ZEN Card: Not disclosed
Brighty Card: Not disclosed
KAST Card: $40,000 / month
Rate after spend cap · top plan
ARQ Card: 0.5%
ZEN Card: Not disclosed
Brighty Card: Not disclosed
KAST Card: 0%
Top plan price / access
ARQ Card: $200/yr or See requirements
ZEN Card: Not disclosed
Brighty Card: $0/yr
KAST Card: $10,000/yr
Top plan qualification
ARQ Card: Paid Prestige membership and approval for portfolio-backed credit
ZEN Card: Not disclosed
Brighty Card: €0/month
KAST Card: Not disclosed
Reward payout
ARQ Card: Not disclosed
ZEN Card: on an offer-specific schedule (public timing unresolved)
Brighty Card: At the start of the following month
KAST Card: Not disclosed
Selected Categories · Lower Band rewards
ARQ Card: Not listed
ZEN Card: Not listed
Brighty Card: 1.3%
KAST Card: Not listed
Selected Categories · Maximum Band rewards
ARQ Card: Not listed
ZEN Card: Not listed
Brighty Card: 1.8%
KAST Card: Not listed
04

Everyday use

Network
ARQ Card: Mastercard
ZEN Card: Mastercard/Visa
Brighty Card: Visa/Mastercard
KAST Card: Visa
Card formats
ARQ Card: Virtual, Physical
ZEN Card: Virtual, Physical
Brighty Card: Virtual, Physical
KAST Card: Virtual, Physical
ATM withdrawals
ARQ Card: Available
ZEN Card: Available
Brighty Card: Available
KAST Card: Available
Mobile wallets
ARQ Card: Apple Pay, Google Pay
ZEN Card: Apple Pay, Google Pay
Brighty Card: Apple Pay
KAST Card: Apple Pay, Google Pay
Apps
ARQ Card: iOS, Android
ZEN Card: iOS, Android, Web
Brighty Card: iOS, Android
KAST Card: iOS, Android
Daily spending limit
ARQ Card: Unknown
ZEN Card: Standard €10,000/day; maximum €30,000/day (currency equivalents also published)
Brighty Card: See regional limits
KAST Card: No cap
Monthly spending limit
ARQ Card: Unknown
ZEN Card: Not publicly confirmed
Brighty Card: Published period is ambiguous: physical Visa €15k on both Plus and Pro
KAST Card: No cap
ATM limit
ARQ Card: Unknown
ZEN Card: Standard €2,000/day; maximum €30,000/day (currency equivalents also published)
Brighty Card: ATM withdrawal limits are not published; only physical Visa fees are known
KAST Card: $1,500 / 24 hours
05

Money in & out

Networks
ARQ Card: Ethereum, Polygon, Tron
ZEN Card: Not disclosed
Brighty Card: Ethereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano +7
KAST Card: Solana, Ethereum, Tron, Polygon, BNB Chain +8
Stablecoin deposits
ARQ Card: USDC, USDT
ZEN Card: USDT, USDC
Brighty Card: USDC, EURC
KAST Card: USDT, USDC, USDe, PYUSD, RLUSD
Other crypto deposits
ARQ Card: Not disclosed
ZEN Card: BTC, ETH
Brighty Card: BTC, ETH
KAST Card: BTC, ETH, SOL, XRP, AAVE +22
Fiat deposits
ARQ Card: USD receive, EUR receive
ZEN Card: SEPA bank transfer, Payment-card top-up
Brighty Card: SEPA / Faster Payments, SWIFT
KAST Card: USD bank transfer, EU bank transfer, BRL PIX deposit +3
Crypto transfers
ARQ Card: Not disclosed
ZEN Card: Crypto top-up to ZEN account, ZEN account to external crypto wallet
Brighty Card: Crypto withdrawal
KAST Card: Stablecoin transfers
Internal transfers
ARQ Card: ARQ P2P
ZEN Card: Card-to-card transfer
Brighty Card: Not disclosed
KAST Card: KAST Tag
Bank transfers
ARQ Card: USD ACH payout
ZEN Card: SEPA transfers
Brighty Card: SEPA / Faster Payments payout, SWIFT payout
KAST Card: Global USD SWIFT payout, USD local payout, EUR SEPA payout +1
Payout currencies
ARQ Card: USD
ZEN Card: EUR
Brighty Card: EUR, GBP, USD, AED
KAST Card: USD, EUR, AED, SAR, JPY +7
06

Earn

Advertised APY
ARQ Card: Up to 4.5% APY
ZEN Card: Not offered
Brighty Card: Not disclosed
KAST Card: Up to 7% APY
How it works
ARQ Card: Earn on spending balance, Optional earn vault
ZEN Card: Not offered
Brighty Card: Earn on spending balance
KAST Card: Optional earn vault
Separate deposit
ARQ Card: Yes
ZEN Card: Not offered
Brighty Card: No
KAST Card: Yes
Use balance for spending
ARQ Card: No
ZEN Card: Not offered
Brighty Card: Yes
KAST Card: No
Lock-up
ARQ Card: No
ZEN Card: Not offered
Brighty Card: No
KAST Card: No
07

Trust & sources

Custody
ARQ Card: Custodial
ZEN Card: Custodial
Brighty Card: Custodial
KAST Card: Custodial
Control until payment
ARQ Card: Provider controls funds
ZEN Card: Provider controls funds
Brighty Card: Provider controls funds
KAST Card: Provider controls funds
Card issuer
ARQ Card: Not disclosed
ZEN Card: UAB ZEN.COM
Brighty Card: Wallester AS
KAST Card: Third National
Card processing
ARQ Card: Not disclosed
ZEN Card: Not disclosed
Brighty Card: Not disclosed
KAST Card: Tazapay
Custody / key management
ARQ Card: Not disclosed
ZEN Card: Not disclosed
Brighty Card: Fireblocks
KAST Card: BitGo
Deposits & withdrawals
ARQ Card: Not disclosed
ZEN Card: Triple A Technologies Pte Ltd, Coreline Solutions LLC
Brighty Card: Not disclosed
KAST Card: Not disclosed
Identity verification
ARQ Card: Not disclosed
ZEN Card: Not disclosed
Brighty Card: Sumsub
KAST Card: Not disclosed
Programme operator
ARQ Card: Not disclosed
ZEN Card: Not disclosed
Brighty Card: BTY Digital AG
KAST Card: Troia Corp
Official sources
ARQ Card: 36
ZEN Card: 43
Brighty Card: 25
KAST Card: 20
Last reviewed
ARQ Card: Oct 11, 2026
ZEN Card: Oct 20, 2026
Brighty Card: Oct 6, 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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