MPChatMPChat
52
Side-by-side card comparison
MPChat vs ARQ
ARQ Card has the higher Overall Score by 12 points (64 vs 52). MPChat Card looks stronger for Travel and Lowest fees, while ARQ Card comes out ahead for Cashback, Funds control, and Transfers.
Latest check Nov 12, 202666 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
ARQ Card
Best fit
- USDc spending for eligible residents of Mexico, Colombia, Argentina or Brazil.
- Sending funds to other ARQ users without a provider P2P transfer fee.
- Trying Standard with a free virtual card and no annual membership fee.
Before you choose
- Standard earns no cashback; Premium and Prestige require paid subscriptions.
- Premium's 1% and Prestige's 2% drop to 0.5% after 500 USDc each month.
- Standard charges 3 USDc for USD/crypto receipts; the FX spread is unpublished.
Fees & features
Compare the details
CardsMPChat CardOverall52ARQ CardOverall64
MPChat CardOverall52ARQ CardOverall64Scores
- Overall Score
- MPChat Card52ARQ Card64
- Cashback score
- MPChat Card18ARQ Card40
- Travel score
- MPChat Card72ARQ Card62
- Funds control score
- MPChat Card41ARQ Card52
- Lowest fees score
- MPChat Card60ARQ Card52
- Transfers score
- MPChat Card58ARQ Card75
Costs
- Plan cost
- MPChat Card$0ARQ Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- MPChat Card$0.10 + 0.8%ARQ Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessARQ Card1–3%
- Virtual card
- MPChat CardCloud: 10 USDT one timeARQ CardFree
- Physical card
- MPChat CardBoundless: 100 USDT one timeARQ CardMexico: Standard shipping $4.99; first physical card free with Main Balance above $100 or Premium. Other countries must confirm local terms.
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- MPChat CardNot disclosedARQ CardPrestige: 2%
- Base cashback
- MPChat CardNot disclosedARQ Card0%
- Max cashback
- MPChat CardNot disclosedARQ Card2%
- Reward currency
- MPChat CardNot disclosedARQ CardUSDc cashback
Everyday use
- Network
- MPChat CardVisaARQ CardMastercard
- Card formats
- MPChat CardVirtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableARQ CardAvailable
- Mobile wallets
- MPChat CardGoogle PayARQ CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedARQ CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerARQ CardNot disclosed
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerARQ CardNot disclosed
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyARQ CardNot disclosed
Funding & transfers
- Networks
- MPChat CardTron (TRC20)ARQ CardEthereum, Polygon, Tron
- Crypto deposits
- MPChat CardStablecoins: USDTARQ CardStablecoins: USDC, USDT
- Fiat deposits
- MPChat CardNot disclosedARQ CardUSD receive, EUR receive
- Transfers
- MPChat CardStablecoin transfersARQ CardARQ P2P; USD ACH payout
- Payout currencies
- MPChat CardNot disclosedARQ CardUSD
Earn
- Advertised APY
- MPChat CardNot offeredARQ CardUp to 4.5% APY
- How it works
- MPChat CardNot offeredARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- MPChat CardNot offeredARQ CardYes
- Use balance for spending
- MPChat CardNot offeredARQ CardNo
- Lock-up
- MPChat CardNot offeredARQ CardNo
Trust & availability
- Custody
- MPChat CardCustodialARQ CardCustodial
- Control until payment
- MPChat CardProvider controls fundsARQ CardProvider controls funds
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
ARQ Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or ARQ
Using an exchange account
ARQ does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or ARQ if you want to avoid that account requirement.
Using the crypto you already hold
MPChat's reviewed deposit assets include USDT; ARQ's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
MPChat vs ARQ FAQ
Is MPChat or ARQ better overall?
ARQ Card has the higher Overall Score (64 vs 52). 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, MPChat 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, MPChat or ARQ?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and ARQ differ on custody?
MPChat Card and ARQ Card use the same custodial balance setup.
How current is this MPChat vs ARQ comparison?
The latest information check for these two cards was November 12, 2026, using 66 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.