Crypto.comCrypto.com Prepaid
57
Side-by-side card comparison
Crypto.com Prepaid vs ARQ: fees, rewards and account setup
ARQ Card has the higher Overall Score by 7 points (64 vs 57). ARQ Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Crypto.com Prepaid Card may still be the better personal fit.
Information checked Aug 14, 202650 official sources reviewed
01 · Make the first cut
ARQ Card is the better all-round starting point
ARQ Card has the higher Overall Score in this comparison. Crypto.com Prepaid 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.
OverallCrypto.com Prepaid57ARQ64Higher score
CashbackCrypto.com Prepaid31ARQ41Higher score
TravelCrypto.com Prepaid57ARQ62Higher score
Funds controlCrypto.com Prepaid40ARQ52Higher score
Lowest feesCrypto.com Prepaid48ARQ52Higher score
TransfersCrypto.com Prepaid47ARQ75Higher score
Choose Crypto.com Prepaid Card if its day-to-day setup suits you
Crypto.com Prepaid 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, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
Choose ARQ Card if cashback and travel matter most
ARQ Card comes out ahead for Cashback, Travel, 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.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
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
- Crypto.com Prepaid57ARQ64
ARQ Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply 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
- Crypto.com Prepaid0% base · up to 5%ARQ0% base · up to 2%
Both cards show the same base cashback rate of 0%.
- Funds control
- Crypto.com PrepaidCustodial balanceARQCustodial balance
Crypto.com Prepaid Card and ARQ Card use the same custodial balance setup.
- Everyday access
- Crypto.com PrepaidVirtual + Physical · Apple Pay, Google PayARQVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Crypto.com Prepaid0 stablecoins · US card-to-card sendARQ4 stablecoins · ARQ P2P; USD ACH payout
ARQ Card lists more stablecoins and ways to send money out (6 vs 1).
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.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 0 fiat
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
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
CardsCrypto.com Prepaid CardOverall57ARQ CardOverall64
Crypto.com Prepaid CardOverall57ARQ CardOverall64Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57ARQ Card64
- Cashback score
- Crypto.com Prepaid Card31ARQ Card41
- Travel score
- Crypto.com Prepaid Card57ARQ Card62
- Funds control score
- Crypto.com Prepaid Card40ARQ Card52
- Lowest fees score
- Crypto.com Prepaid Card48ARQ Card52
- Transfers score
- Crypto.com Prepaid Card47ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0ARQ Card$0
- FX fee
- Crypto.com Prepaid Card0–3%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- Crypto.com Prepaid Card2.99%ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- Crypto.com Prepaid CardNot disclosedARQ Card0%
- ATM fee
- Crypto.com Prepaid Card0–2%ARQ Card1–3%
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedARQ CardFree
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0ARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1ARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%ARQ CardPrestige: 2%
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardARQ CardMastercard
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- Crypto.com Prepaid CardAvailableARQ CardAvailable
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidARQ CardiOS, Android
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayARQ CardNot disclosed
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearARQ CardNot disclosed
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%ARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedARQ CardEthereum, Polygon, Tron
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHARQ CardStablecoins: USDC, USDT
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upARQ CardUSD receive, EUR receive
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendARQ CardARQ P2P; USD ACH payout
- Payout currencies
- Crypto.com Prepaid CardNot disclosedARQ CardUSD
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%ARQ Card0%
- Max cashback
- Crypto.com Prepaid Card5%ARQ Card2%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredARQ CardUp to 4.5% APY
- How it works
- Crypto.com Prepaid CardNot offeredARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- Crypto.com Prepaid CardNot offeredARQ CardYes
- Use balance for spending
- Crypto.com Prepaid CardNot offeredARQ CardNo
- Lock-up
- Crypto.com Prepaid CardNot offeredARQ CardNo
Trust & availability
4 fields- Custody
- Crypto.com Prepaid CardCustodialARQ CardCustodial
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsARQ CardProvider controls funds
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2ARQ CardNot disclosed
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.ARQ CardNot disclosed
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14ARQ Card36
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026ARQ CardAug 5, 2026
04 · The takeaway
ARQ Card is the stronger all-round choice
ARQ Card finishes ahead with an Overall Score of 64 versus 57 for Crypto.com Prepaid Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Crypto.com Prepaid Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Crypto.com Prepaid Card and ARQ Card use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 1). 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 Crypto.com Prepaid Card and ARQ Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
ARQ Card
05 · Common questions
Crypto.com Prepaid vs ARQ FAQ
Is Crypto.com Prepaid or ARQ better overall?
ARQ Card has the higher Overall Score (64 vs 57). 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, Crypto.com Prepaid or ARQ?
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, Crypto.com Prepaid or ARQ?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and ARQ differ on custody?
Crypto.com Prepaid Card and ARQ Card use the same custodial balance setup.
How current is this Crypto.com Prepaid vs ARQ comparison?
The latest information check for these two cards was August 14, 2026, using 50 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.