KASTKAST
84
Side-by-side card comparison
KAST vs ARQ: fees, rewards and account setup
KAST Card has the higher Overall Score by 20 points (84 vs 64). KAST Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where ARQ Card may still be the better personal fit.
Information checked Aug 28, 202656 official sources reviewed
01 · Make the first cut
KAST Card is the better all-round starting point
KAST Card has the higher Overall Score in this comparison. ARQ 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.
OverallKAST84ARQ64Higher score
CashbackKAST75ARQ41Higher score
TravelKAST92ARQ62Higher score
Funds controlKAST71ARQ52Higher score
Lowest feesKAST81ARQ52Higher score
TransfersKAST100ARQ75Higher score
Choose KAST Card if cashback and travel matter most
KAST 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.
- Transfers span crypto, Tag and bank payouts
- Physical, virtual and phone-wallet card access
- Free tier starts with cashback
Choose ARQ Card if its day-to-day setup suits you
ARQ 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.
- 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
- KAST84ARQ64
KAST Card has the higher Overall Score by 20 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% 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
- KAST1.5% base · up to 3%ARQ0% base · up to 2%
KAST Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- KASTCustodial balanceARQCustodial balance
KAST Card and ARQ Card use the same custodial balance setup.
- Everyday access
- KASTVirtual + 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
- KAST5 stablecoins · Stablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsARQ4 stablecoins · ARQ P2P; USD ACH payout
KAST Card lists more stablecoins and ways to send money out (12 vs 6).
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
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 0.5–1.75%
- ATM fee
- $3 + 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 32 crypto · 6 fiat
- Payout methods
- 2 crypto · 13 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
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.
KAST Card
20% off
20% off your first subscription
- Discount is automatically applied at checkout.
Offer terms can change. Check the current KAST referral programme before signing up.
ARQ Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsKAST CardOverall84ARQ CardOverall64
KAST CardOverall84ARQ CardOverall64Scores
6 fields- Overall Score
- KAST Card84ARQ Card64
- Cashback score
- KAST Card75ARQ Card41
- Travel score
- KAST Card92ARQ Card62
- Funds control score
- KAST Card71ARQ Card52
- Lowest fees score
- KAST Card81ARQ Card52
- Transfers score
- KAST Card100ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- KAST Card$0ARQ Card$0
- FX fee
- KAST Card0.5–1.75%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- KAST Card0%ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- KAST Card0%ARQ Card0%
- ATM fee
- KAST Card$3 + 2%ARQ Card1–3%
- Virtual card
- KAST CardFree first twoARQ CardFree
- Physical card
- KAST CardFree; $40 shippingARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivateARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- KAST CardPrivate: 3%ARQ CardPrestige: 2%
Everyday use
8 fields- Network
- KAST CardVisaARQ CardMastercard
- Card formats
- KAST CardVirtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- KAST CardAvailableARQ CardAvailable
- Mobile wallets
- KAST CardApple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- KAST CardiOS, AndroidARQ CardiOS, Android
- Daily spending limit
- KAST CardNo capARQ CardNot disclosed
- Monthly spending limit
- KAST CardNo capARQ CardNot disclosed
- ATM limit
- KAST CardLimits shown in appARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7ARQ CardEthereum, Polygon, Tron
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22ARQ CardStablecoins: USDC, USDT
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2ARQ CardUSD receive, EUR receive
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsARQ CardARQ P2P; USD ACH payout
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4ARQ CardUSD
Rewards
3 fields- Base cashback
- KAST Card1.5%ARQ Card0%
- Max cashback
- KAST Card3%ARQ Card2%
- Reward currency
- KAST CardUSD cashbackARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- KAST CardUp to 7% APYARQ CardUp to 4.5% APY
- How it works
- KAST CardOptional earn vaultARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- KAST CardYesARQ CardYes
- Use balance for spending
- KAST CardNoARQ CardNo
- Lock-up
- KAST CardNoARQ CardNo
Trust & availability
6 fields- Custody
- KAST CardCustodialARQ CardCustodial
- Control until payment
- KAST CardProvider controls fundsARQ CardProvider controls funds
- Card issuer
- KAST CardThird NationalARQ CardNot disclosed
- Card processing
- KAST CardTazapayARQ CardNot disclosed
- Custody / key management
- KAST CardBitGoARQ CardNot disclosed
- Programme operator
- KAST CardTroia CorpARQ CardNot disclosed
Sources
2 fields- Official sources
- KAST Card20ARQ Card36
- Last reviewed
- KAST CardAug 28, 2026ARQ CardAug 5, 2026
04 · The takeaway
KAST Card is the stronger all-round choice
KAST Card finishes ahead with an Overall Score of 84 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. KAST Card has the higher published base cashback rate (1.5% vs 0%).
ARQ Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. KAST Card and ARQ Card use the same custodial balance setup.
KAST Card lists more stablecoins and ways to send money out (12 vs 6). 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 KAST Card and ARQ Card reviews first.
Continue with
KAST Card
Continue with
ARQ Card
05 · Common questions
KAST vs ARQ FAQ
Is KAST or ARQ better overall?
KAST Card has the higher Overall Score (84 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, KAST 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, KAST or ARQ?
KAST Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do KAST and ARQ differ on custody?
KAST Card and ARQ Card use the same custodial balance setup.
How current is this KAST vs ARQ comparison?
The latest information check for these two cards was August 28, 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.