NexoNexo
65
Side-by-side card comparison
Nexo vs ARQ: fees, rewards and account setup
Nexo Card has the higher Overall Score by 1 point (65 vs 64). Nexo Card also looks stronger for Travel, Lowest fees, and Transfers. The details below show where ARQ Card may still be the better personal fit.
Information checked Aug 5, 202649 official sources reviewed
01 · Make the first cut
Nexo Card is the better all-round starting point
Nexo 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.
OverallNexo65ARQ64Higher score
CashbackNexo41ARQ41Same score
TravelNexo65ARQ62Higher score
Funds controlNexo52ARQ52Same score
Lowest feesNexo57ARQ52Higher score
TransfersNexo91ARQ75Higher score
Choose Nexo Card if travel and lowest fees matter most
Nexo Card comes out ahead for Travel, 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.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
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 Travel, 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
- Nexo65ARQ64
Nexo Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% 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
- Nexo0.5% base · up to 2%ARQ0% base · up to 2%
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceARQCustodial balance
Nexo Card and ARQ Card use the same custodial balance setup.
- Everyday access
- NexoVirtual + 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
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalARQ4 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 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%-2%
- Plan cost
- $0
- FX fee
- 0.2–2.5%
- ATM fee
- 0–2%; minimum 1.99 EUR/GBP
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 4 crypto · 3 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
CardsNexo CardOverall65ARQ CardOverall64
Nexo CardOverall65ARQ CardOverall64Scores
6 fields- Overall Score
- Nexo Card65ARQ Card64
- Cashback score
- Nexo Card41ARQ Card41
- Travel score
- Nexo Card65ARQ Card62
- Funds control score
- Nexo Card52ARQ Card52
- Lowest fees score
- Nexo Card57ARQ Card52
- Transfers score
- Nexo Card91ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- Nexo Card$0ARQ Card$0
- FX fee
- Nexo Card0.2–2.5%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- Nexo CardNot disclosedARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- Nexo CardNot disclosedARQ Card0%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPARQ Card1–3%
- Virtual card
- Nexo CardAvailable from $50 account balanceARQ CardFree
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- Nexo CardPlatinum: 2%ARQ CardPrestige: 2%
Everyday use
8 fields- Network
- Nexo CardMastercardARQ CardMastercard
- Card formats
- Nexo CardVirtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableARQ CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebARQ CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionARQ CardNot disclosed
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthARQ CardNot disclosed
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedARQ CardEthereum, Polygon, Tron
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3ARQ CardStablecoins: USDC, USDT
- Fiat deposits
- Nexo CardNexo account bank depositARQ CardUSD receive, EUR receive
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalARQ CardARQ P2P; USD ACH payout
- Payout currencies
- Nexo CardEUR, GBP, USDARQ CardUSD
Rewards
3 fields- Base cashback
- Nexo Card0.5%ARQ Card0%
- Max cashback
- Nexo Card2%ARQ Card2%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYARQ CardUp to 4.5% APY
- How it works
- Nexo CardEarn on spending balanceARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- Nexo CardNot disclosedARQ CardYes
- Use balance for spending
- Nexo CardYesARQ CardNo
- Lock-up
- Nexo CardNoARQ CardNo
Trust & availability
4 fields- Custody
- Nexo CardCustodialARQ CardCustodial
- Control until payment
- Nexo CardProvider controls fundsARQ CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABARQ CardNot disclosed
- Programme operator
- Nexo CardNexo Services Sp. z o.o.ARQ CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card13ARQ Card36
- Last reviewed
- Nexo CardAug 5, 2026ARQ CardAug 5, 2026
04 · The takeaway
Nexo Card is the stronger all-round choice
Nexo Card finishes ahead with an Overall Score of 65 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. Nexo Card has the higher published base cashback rate (0.5% vs 0%).
ARQ Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Nexo 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 Nexo Card and ARQ Card reviews first.
Continue with
Nexo Card
Continue with
ARQ Card
05 · Common questions
Nexo vs ARQ FAQ
Is Nexo or ARQ better overall?
Nexo Card has the higher Overall Score (65 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, Nexo 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, Nexo or ARQ?
Nexo Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Nexo and ARQ differ on custody?
Nexo Card and ARQ Card use the same custodial balance setup.
How current is this Nexo vs ARQ comparison?
The latest information check for these two cards was August 5, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.