77
Visa / MCLow FX
- Cashback
- 0% base
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard/Visa
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
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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.
64
Metal cardNo CEX
- Cashback
- 0%-2%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
Visa / MCTiered rewards
- Cashback
- 2%-10%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard/Visa
High cashbackNo CEX
- Cashback
- 2%-4%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa
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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
ZEN CardOverall77
ARQ CardOverall64
Bybit Card (Global)Overall72
Jupiter CardOverall80
ZEN CardOverall77ARQ CardOverall64Bybit Card (Global)Overall72Jupiter CardOverall80- Special offer
- ZEN CardNo active offerARQ CardNo active offerBybit Card (Global)Get 10 USDT10 USDT referral reward after qualifying Bybit Card spendJupiter CardGet $20$20 after qualifying Jupiter Card spend
Scores
6 fields- Overall Score
- ZEN Card77ARQ Card64Bybit Card (Global)72Jupiter Card80
- Cashback score
- ZEN Card39ARQ Card40Bybit Card (Global)63Jupiter Card85
- Travel score
- ZEN Card96ARQ Card62Bybit Card (Global)80Jupiter Card71
- Funds control score
- ZEN Card65ARQ Card52Bybit Card (Global)51Jupiter Card59
- Lowest fees score
- ZEN Card81ARQ Card52Bybit Card (Global)66Jupiter Card70
- Transfers score
- ZEN Card98ARQ Card75Bybit Card (Global)79Jupiter Card83
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessBybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessJupiter Card2% base cashback in USDC, No annual or USD spend fee
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateARQ CardProvider FX spread remains unclear, Headline cashback requires membershipBybit Card (Global)Spending follows the Bybit account model, FX can get expensiveJupiter Card4% requires fresh referrals, FX depends on your issuer
Costs
7 fields- Plan cost
- ZEN Card$0ARQ Card$0Bybit Card (Global)$0Jupiter Card$0
- FX fee
- ZEN Card0–0.5%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyBybit Card (Global)1.5–7%Jupiter Card1–1.8%
- Top-up fee
- ZEN Card0–3%ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURBybit Card (Global)Not disclosedJupiter CardSolana: no processing fee. Ethereum, Base, Arbitrum and Sui: higher of $0.30 or 0.02%; network gas is separate
- Card spending fee
- ZEN Card0%ARQ Card0%Bybit Card (Global)Not disclosedJupiter Card0%
- ATM fee
- ZEN Card0–1.5%ARQ Card1–3%Bybit Card (Global)0–2%Jupiter CardNot available
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5ARQ CardFreeBybit Card (Global)No fee until further noticeJupiter CardNot disclosed
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10ARQ CardMexico: Standard shipping $4.99; first physical card free with Main Balance above $100 or Premium. Other countries must confirm local terms.Bybit Card (Global)Free / 5 / 29.99Jupiter Card$13.13 plus destination-dependent shipping
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProARQ Card3 plans: Standard, Premium, PrestigeBybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2Jupiter CardNot disclosed
- Top cashback plan
- ZEN CardFree: 0%ARQ CardPrestige: 2%Bybit Card (Global)Infinite: 10%Jupiter CardNot disclosed
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaARQ CardMastercardBybit Card (Global)Mastercard/VisaJupiter CardVisa
- Card formats
- ZEN CardVirtual, PhysicalARQ CardVirtual, PhysicalBybit Card (Global)Virtual, PhysicalJupiter CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableARQ CardAvailableBybit Card (Global)AvailableJupiter CardNot disclosed
- Mobile wallets
- ZEN CardApple Pay, Google PayARQ CardApple Pay, Google PayBybit Card (Global)Apple Pay, Google Pay · Region dependentJupiter CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebARQ CardiOS, AndroidBybit Card (Global)iOS, AndroidJupiter CardiOS, Android
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)ARQ CardNot disclosedBybit Card (Global)$1k Peru · $5k Argentina · $50k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN MexicoJupiter CardDCS: $50,000/day; Rain: no disclosed daily limit
- Monthly spending limit
- ZEN CardNot publicly confirmedARQ CardNot disclosedBybit Card (Global)$5k Peru · $10k Argentina · $150k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN MexicoJupiter CardMonthly limit not disclosed; DCS lists $990,000/year and Rain no disclosed annual limit
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)ARQ CardNot disclosedBybit Card (Global)$50/$15k Australia L1/L2 · $10k Georgia/AIFC/APAC T2–T3 · 1.8m ARS Argentina · 27.5k BRL Brazil · 90k MXN Mexico · Peru/APAC T1 unsupportedJupiter CardRegion-dependent; no reusable public ATM limit
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedARQ CardEthereum, Polygon, TronBybit Card (Global)Not disclosedJupiter CardSolana, Sui, Arbitrum, Base, Ethereum
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHARQ CardStablecoins: USDC, USDTBybit Card (Global)Other crypto: Supported cryptoJupiter CardStablecoins: USDC, USDT
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upARQ CardUSD receive, EUR receiveBybit Card (Global)Bybit account bank depositJupiter CardUSD virtual account receive, EUR virtual account receive
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersARQ CardARQ P2P; USD ACH payoutBybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalJupiter CardNoah local and SWIFT payouts
- Payout currencies
- ZEN CardEURARQ CardUSDBybit Card (Global)Not disclosedJupiter CardAED, BRL, CAD, EUR, GBP, IDR, INR, MYR +7
Rewards
3 fields- Base cashback
- ZEN Card0%ARQ Card0%Bybit Card (Global)2%Jupiter Card2%
- Max cashback
- ZEN CardNot disclosedARQ Card2%Bybit Card (Global)10%Jupiter Card4%
- Reward currency
- ZEN CardTransaction currencyARQ CardUSDc cashbackBybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)Jupiter CardUSDC
Earn
5 fields- Advertised APY
- ZEN CardNot offeredARQ CardUp to 4.5% APYBybit Card (Global)Not disclosedJupiter CardNot disclosed
- How it works
- ZEN CardNot offeredARQ CardEarn on spending balance, Optional earn vaultBybit Card (Global)Earn on spending balanceJupiter CardOptional earn vault
- Separate deposit
- ZEN CardNot offeredARQ CardYesBybit Card (Global)Not disclosedJupiter CardYes
- Use balance for spending
- ZEN CardNot offeredARQ CardNoBybit Card (Global)YesJupiter CardNo
- Lock-up
- ZEN CardNot offeredARQ CardNoBybit Card (Global)NoJupiter CardNo
Trust & availability
5 fields- Custody
- ZEN CardCustodialARQ CardCustodialBybit Card (Global)CustodialJupiter CardCustodial
- Control until payment
- ZEN CardProvider controls fundsARQ CardProvider controls fundsBybit Card (Global)Provider controls fundsJupiter CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMARQ CardNot disclosedBybit Card (Global)Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.Jupiter CardRain, DCS
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCARQ CardNot disclosedBybit Card (Global)Not disclosedJupiter CardNoah
- Identity verification
- ZEN CardNot disclosedARQ CardNot disclosedBybit Card (Global)Not disclosedJupiter CardSumsub
Sources
2 fields- Official sources
- ZEN Card43ARQ Card36Bybit Card (Global)9Jupiter Card28
- Last reviewed
- ZEN CardOct 7, 2026ARQ CardOct 11, 2026Bybit Card (Global)Oct 11, 2026Jupiter CardOct 7, 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.