64
Metal cardNo CEX
- Cashback
- 0%-2%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
Card comparison
Compare cards, side by side
Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
01 · Build the comparison
Select cards for this comparison
Add or remove a card and every comparison row updates automatically.
02 · Read the shortlist
Start with scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
77
Visa / MCLow FX
- Cashback
- 0% base
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard/Visa
No FXNo CEX
- Cashback
- 1%-2%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Mastercard
Visa / MCNo CEX
- Cashback
- 0.5%-1.8%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa/Mastercard
03 · Compare the evidence
Scan every difference, row by row
Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
ARQ CardOverall64
ZEN CardOverall77
1inch CardOverall79
Brighty CardOverall70
ARQ CardOverall64ZEN CardOverall771inch CardOverall79Brighty CardOverall70Scores
6 fields- Overall Score
- ARQ Card64ZEN Card771inch Card79Brighty Card70
- Cashback score
- ARQ Card40ZEN Card391inch Card63Brighty Card48
- Travel score
- ARQ Card62ZEN Card961inch Card82Brighty Card80
- Funds control score
- ARQ Card52ZEN Card651inch Card80Brighty Card65
- Lowest fees score
- ARQ Card52ZEN Card811inch Card74Brighty Card67
- Transfers score
- ARQ Card75ZEN Card981inch Card93Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access1inch CardPhysical, virtual and ATM access, Both major phone walletsBrighty CardFree entry plan, USDC cashback
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate1inch CardPurchase fee stack is unclear, Card funds leave self-custodyBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- ARQ Card$0ZEN Card$01inch Card$0Brighty Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyZEN Card0–0.5%1inch Card0% provider FX markup; Mastercard rate appliesBrighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURZEN Card0–3%1inch CardEUR/GBP provider-account bank deposit: 0%Brighty Card0%
- Card spending fee
- ARQ Card0%ZEN Card0%1inch Card2%Brighty CardNot disclosed
- ATM fee
- ARQ Card1–3%ZEN Card0–1.5%1inch Card€2.50 UK; €3 + 1.5% outside UKBrighty CardNot disclosed
- Virtual card
- ARQ CardFreeZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €51inch CardNot disclosedBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €101inch CardNot disclosedBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeZEN Card4 plans: Free, Gold, Platinum, Pro1inch CardNot disclosedBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- ARQ CardPrestige: 2%ZEN CardFree: 0%1inch CardNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- ARQ CardMastercardZEN CardMastercard/Visa1inch CardMastercardBrighty CardVisa/Mastercard
- Card formats
- ARQ CardVirtual, PhysicalZEN CardVirtual, Physical1inch CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableZEN CardAvailable1inch CardAvailableBrighty CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayZEN CardApple Pay, Google Pay1inch CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- ARQ CardiOS, AndroidZEN CardiOS, Android, Web1inch CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)1inch CardAccount-specific in ProfileBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- ARQ CardNot disclosedZEN CardNot publicly confirmed1inch CardAccount-specific in ProfileBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- ARQ CardNot disclosedZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)1inch CardAccount-specific in ProfileBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronZEN CardNot disclosed1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, SolanaBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assetsBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- ARQ CardUSD receive, EUR receiveZEN CardSEPA bank transfer, Payment-card top-up1inch CardEUR or GBP bank depositBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- ARQ CardARQ P2P; USD ACH payoutZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers1inch CardStablecoin transfers; EUR or GBP bank withdrawalBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- ARQ CardUSDZEN CardEUR1inch CardEUR, GBPBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- ARQ Card0%ZEN Card0%1inch Card1%Brighty Card0.5%
- Max cashback
- ARQ Card2%ZEN CardNot disclosed1inch Card2%Brighty Card1.8%
- Reward currency
- ARQ CardUSDc cashbackZEN CardTransaction currency1inch Card1INCH, USDT, BTC or BXXBrighty CardUSDC
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYZEN CardNot offered1inch CardNot offeredBrighty CardNot disclosed
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultZEN CardNot offered1inch CardNot offeredBrighty CardEarn on spending balance
- Separate deposit
- ARQ CardYesZEN CardNot offered1inch CardNot offeredBrighty CardNo
- Use balance for spending
- ARQ CardNoZEN CardNot offered1inch CardNot offeredBrighty CardYes
- Lock-up
- ARQ CardNoZEN CardNot offered1inch CardNot offeredBrighty CardNo
Trust & availability
7 fields- Custody
- ARQ CardCustodialZEN CardCustodial1inch CardHybrid custodyBrighty CardCustodial
- Control until payment
- ARQ CardProvider controls fundsZEN CardProvider controls funds1inch CardProvider controls fundsBrighty CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedZEN CardUAB ZEN.COM1inch CardMonavate Ltd, UAB MonavateBrighty CardWallester AS
- Card processing
- ARQ CardNot disclosedZEN CardNot disclosed1inch CardCrypto LifeBrighty CardNot disclosed
- Custody / key management
- ARQ CardNot disclosedZEN CardNot disclosed1inch CardBaanxBrighty CardFireblocks
- Deposits & withdrawals
- ARQ CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC1inch CardNot disclosedBrighty CardNot disclosed
- Identity verification
- ARQ CardNot disclosedZEN CardNot disclosed1inch CardNot disclosedBrighty CardSumsub
Sources
2 fields- Official sources
- ARQ Card36ZEN Card431inch Card13Brighty Card25
- Last reviewed
- ARQ CardAug 5, 2026ZEN CardSep 5, 20261inch CardAug 31, 2026Brighty CardAug 16, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.