MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs ARQ: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 12 points (76 vs 64). MetaMask Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while ARQ Card comes out ahead for Transfers.
Information checked Aug 12, 202648 official sources reviewed
01 · Overall score versus use-case fit
MetaMask Card is the better all-round starting point
MetaMask Card has the higher Overall Score in this comparison. ARQ Card may be the better fit for Transfers. 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.
OverallMetaMask76ARQ64Higher score
CashbackMetaMask49ARQ41Higher score
TravelMetaMask91ARQ62Higher score
Funds controlMetaMask87ARQ52Higher score
Lowest feesMetaMask82ARQ52Higher score
TransfersMetaMask59ARQ75Higher score
Choose MetaMask Card if cashback and travel matter most
MetaMask Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend enabled MetaMask wallet assets
- Self-custody spend model
- Free Virtual tier includes mUSD cashback
Choose ARQ Card if transfers matters most
ARQ Card comes out ahead for 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
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
- MetaMask76ARQ64
MetaMask Card has the higher Overall Score by 12 points.
- Entry cost & FX
- MetaMask$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
- MetaMask1% base · up to 3%ARQ0% base · up to 2%
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletARQCustodial balance
MetaMask Card uses a self-controlled wallet setup, while ARQ Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- MetaMaskVirtual + 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
- MetaMask5 stablecoins · Stablecoin transfersARQ4 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
- 1%-3%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 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
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
CardsMetaMask CardOverall76ARQ CardOverall64
MetaMask CardOverall76ARQ CardOverall64Scores
6 fields- Overall Score
- MetaMask Card76ARQ Card64
- Cashback score
- MetaMask Card49ARQ Card41
- Travel score
- MetaMask Card91ARQ Card62
- Funds control score
- MetaMask Card87ARQ Card52
- Lowest fees score
- MetaMask Card82ARQ Card52
- Transfers score
- MetaMask Card59ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- MetaMask Card$0ARQ Card$0
- FX fee
- MetaMask Card0–1%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- MetaMask Card0%ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- MetaMask CardNot disclosedARQ Card0%
- ATM fee
- MetaMask Card0–2%ARQ Card1–3%
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierARQ CardFree
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026ARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- MetaMask CardMetal: 3%ARQ CardPrestige: 2%
Everyday use
8 fields- Network
- MetaMask CardMastercardARQ CardMastercard
- Card formats
- MetaMask CardVirtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableARQ CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebARQ CardiOS, Android
- Daily spending limit
- MetaMask CardNot disclosedARQ CardNot disclosed
- Monthly spending limit
- MetaMask CardNot disclosedARQ CardNot disclosed
- ATM limit
- MetaMask CardLimits shown in appARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadARQ CardEthereum, Polygon, Tron
- Crypto deposits
- MetaMask CardNot disclosedARQ CardStablecoins: USDC, USDT
- Fiat deposits
- MetaMask CardNot disclosedARQ CardUSD receive, EUR receive
- Transfers
- MetaMask CardStablecoin transfersARQ CardARQ P2P; USD ACH payout
- Payout currencies
- MetaMask CardNot disclosedARQ CardUSD
Rewards
3 fields- Base cashback
- MetaMask Card1%ARQ Card0%
- Max cashback
- MetaMask Card3%ARQ Card2%
- Reward currency
- MetaMask CardmUSD cashbackARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYARQ CardUp to 4.5% APY
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- MetaMask CardYesARQ CardYes
- Use balance for spending
- MetaMask CardYesARQ CardNo
- Lock-up
- MetaMask CardNoARQ CardNo
Trust & availability
4 fields- Custody
- MetaMask CardSelf-custodyARQ CardCustodial
- Control until payment
- MetaMask CardYou keep controlARQ CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankARQ CardNot disclosed
- Identity verification
- MetaMask CardCrypto LifeARQ CardNot disclosed
Sources
2 fields- Official sources
- MetaMask Card12ARQ Card36
- Last reviewed
- MetaMask CardAug 12, 2026ARQ CardAug 5, 2026
04 · The trade-off
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 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. MetaMask Card has the higher published base cashback rate (1% vs 0%).
ARQ Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. MetaMask Card uses a self-controlled wallet setup, while ARQ Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
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 MetaMask Card and ARQ Card reviews first.
Continue with
MetaMask Card
Continue with
ARQ Card
05 · Common questions
MetaMask vs ARQ FAQ
Is MetaMask or ARQ better overall?
MetaMask Card has the higher Overall Score (76 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, MetaMask 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, MetaMask or ARQ?
MetaMask Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MetaMask and ARQ differ on custody?
MetaMask Card uses a self-controlled wallet setup, while ARQ Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MetaMask vs ARQ comparison?
The latest information check for these two cards was August 12, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.