KrakKrak
74
Side-by-side card comparison
Krak vs ARQ: overall score versus use-case fit
Krak Card has the higher Overall Score by 10 points (74 vs 64). Krak Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while ARQ Card comes out ahead for Cashback.
Information checked Aug 27, 202662 official sources reviewed
01 · Overall score versus use-case fit
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. ARQ Card may be the better fit for Cashback. 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.
OverallKrak74ARQ64Higher score
CashbackKrak40ARQ41Higher score
TravelKrak83ARQ62Higher score
Funds controlKrak56ARQ52Higher score
Lowest feesKrak72ARQ52Higher score
TransfersKrak97ARQ75Higher score
Choose Krak Card if travel and funds control matter most
Krak Card comes out ahead for 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.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
Choose ARQ Card if cashback matters most
ARQ Card comes out ahead for Cashback 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
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Krak74ARQ64
Krak Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Krak$0 plan · 0–1% 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
- Krak0% base · up to 2%ARQ0% base · up to 2%
Both cards show the same base cashback rate of 0%.
- Funds control
- KrakCustodial balanceARQCustodial balance
Krak Card and ARQ Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + 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
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAARQ4 stablecoins · ARQ P2P; USD ACH payout
ARQ Card lists more stablecoins and ways to send money out (6 vs 5).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 fiat
- Payout methods
- 1 crypto · 2 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
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsKrak CardOverall74ARQ CardOverall64
Krak CardOverall74ARQ CardOverall64Scores
6 fields- Overall Score
- Krak Card74ARQ Card64
- Cashback score
- Krak Card40ARQ Card41
- Travel score
- Krak Card83ARQ Card62
- Funds control score
- Krak Card56ARQ Card52
- Lowest fees score
- Krak Card72ARQ Card52
- Transfers score
- Krak Card97ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- Krak Card$0ARQ Card$0
- FX fee
- Krak Card0–1%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- Krak CardNot disclosedARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- Krak Card0%ARQ Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeARQ Card1–3%
- Virtual card
- Krak CardFreeARQ CardFree
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0ARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1ARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- Krak CardMax: 2%ARQ CardPrestige: 2%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaARQ CardMastercard
- Card formats
- Krak CardVirtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableARQ CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidARQ CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayARQ CardNot disclosed
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthARQ CardNot disclosed
- ATM limit
- Krak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/monthARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedARQ CardEthereum, Polygon, Tron
- Crypto deposits
- Krak CardOther crypto: Supported cryptoARQ CardStablecoins: USDC, USDT
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferARQ CardUSD receive, EUR receive
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAARQ CardARQ P2P; USD ACH payout
- Payout currencies
- Krak CardGBP, EURARQ CardUSD
Rewards
3 fields- Base cashback
- Krak Card0%ARQ Card0%
- Max cashback
- Krak Card2%ARQ Card2%
- Reward currency
- Krak CardGBP, EUR, USD or BTCARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYARQ CardUp to 4.5% APY
- How it works
- Krak CardOptional earn vaultARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- Krak CardYesARQ CardYes
- Use balance for spending
- Krak CardNoARQ CardNo
- Lock-up
- Krak CardNot disclosedARQ CardNo
Trust & availability
5 fields- Custody
- Krak CardCustodialARQ CardCustodial
- Control until payment
- Krak CardProvider controls fundsARQ CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateARQ CardNot disclosed
- Card processing
- Krak CardStripeARQ CardNot disclosed
- Programme operator
- Krak CardPayward Wallet, Inc.ARQ CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26ARQ Card36
- Last reviewed
- Krak CardAug 27, 2026ARQ CardAug 5, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 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. Both cards show the same base cashback rate of 0%.
ARQ Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Krak Card and ARQ Card use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 5). 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 Krak Card and ARQ Card reviews first.
Continue with
Krak Card
Continue with
ARQ Card
05 · Common questions
Krak vs ARQ FAQ
Is Krak or ARQ better overall?
Krak Card has the higher Overall Score (74 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, Krak 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, Krak 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 Krak and ARQ differ on custody?
Krak Card and ARQ Card use the same custodial balance setup.
How current is this Krak vs ARQ comparison?
The latest information check for these two cards was August 27, 2026, using 62 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.