OKX EuropeOKX EEA
85
Side-by-side card comparison
OKX EEA vs ARQ: fees, rewards and account setup
OKX Card (EEA) has the higher Overall Score by 21 points (85 vs 64). OKX Card (EEA) 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 5, 202657 official sources reviewed
01 · Make the first cut
OKX Card (EEA) is the better all-round starting point
OKX Card (EEA) 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.
OverallOKX EEA85ARQ64Higher score
CashbackOKX EEA82ARQ41Higher score
TravelOKX EEA64ARQ62Higher score
Funds controlOKX EEA76ARQ52Higher score
Lowest feesOKX EEA90ARQ52Higher score
TransfersOKX EEA77ARQ75Higher score
Choose OKX Card (EEA) if cashback and travel matter most
OKX Card (EEA) 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.
- Low documented card costs
- Current FAQ confirms 2%-10% USDG cashback
- Clear EU issuer and regional scope
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
- OKX EEA85ARQ64
OKX Card (EEA) has the higher Overall Score by 21 points.
- Entry cost & FX
- OKX EEA$0 plan · 0% OKX markup + Mastercard rate 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
- OKX EEA2% base · up to 10%ARQ0% base · up to 2%
OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
- Funds control
- OKX EEAHybrid custodyARQCustodial balance
OKX Card (EEA) uses a hybrid custody 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
- OKX EEAVirtual · Apple Pay, Google PayARQVirtual + Physical · Apple Pay, Google Pay
ARQ Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- OKX EEA3 stablecoins · Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeARQ4 stablecoins · ARQ P2P; USD ACH payout
Both cards list the same number of stablecoins and ways to send money out.
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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0% OKX markup + Mastercard rate
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 0 fiat
- Payout methods
- 3 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
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.
OKX Card (EEA)
Check in app
OKX shows the current EU referral reward before participation
- Complete identity verification and get approved for the OKX Card.
- Complete the number and minimum value of settled transactions shown in-app within 14 days of sign-up.
OKX Card promo codeJF37NBCF
Reward amount and tasks can change and may differ by market or user. Check the EU Card Referral page before participating.
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
CardsOKX Card (EEA)Overall85ARQ CardOverall64
OKX Card (EEA)Overall85ARQ CardOverall64Scores
6 fields- Overall Score
- OKX Card (EEA)85ARQ Card64
- Cashback score
- OKX Card (EEA)82ARQ Card41
- Travel score
- OKX Card (EEA)64ARQ Card62
- Funds control score
- OKX Card (EEA)76ARQ Card52
- Lowest fees score
- OKX Card (EEA)90ARQ Card52
- Transfers score
- OKX Card (EEA)77ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- OKX Card (EEA)Low documented card costs, Current FAQ confirms 2%-10% USDG cashbackARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- OKX Card (EEA)Virtual-only with no ATM access, 10% is conditional, capped VIP upsideARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- OKX Card (EEA)$0ARQ Card$0
- FX fee
- OKX Card (EEA)0% OKX markup + Mastercard rateARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- OKX Card (EEA)0%ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- OKX Card (EEA)0%ARQ Card0%
- ATM fee
- OKX Card (EEA)Not availableARQ Card1–3%
- Virtual card
- OKX Card (EEA)€0ARQ CardFree
- Physical card
- OKX Card (EEA)Not availableARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- OKX Card (EEA)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1ARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- OKX Card (EEA)VIP 4+: 10%ARQ CardPrestige: 2%
Everyday use
8 fields- Network
- OKX Card (EEA)MastercardARQ CardMastercard
- Card formats
- OKX Card (EEA)VirtualARQ CardVirtual, Physical
- ATM withdrawals
- OKX Card (EEA)Not availableARQ CardAvailable
- Mobile wallets
- OKX Card (EEA)Apple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- OKX Card (EEA)iOS, AndroidARQ CardiOS, Android
- Daily spending limit
- OKX Card (EEA)No fixed provider daily limit; user-set minimum is 1 EUR, while the regional maximum appears only in-app.ARQ CardNot disclosed
- Monthly spending limit
- OKX Card (EEA)No fixed monthly amount is published; balance and risk controls apply.ARQ CardNot disclosed
- ATM limit
- OKX Card (EEA)ATM withdrawals are not supported.ARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- OKX Card (EEA)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1ARQ CardEthereum, Polygon, Tron
- Crypto deposits
- OKX Card (EEA)Stablecoins: USDC, USDG, USDTARQ CardStablecoins: USDC, USDT
- Fiat deposits
- OKX Card (EEA)Not disclosedARQ CardUSD receive, EUR receive
- Transfers
- OKX Card (EEA)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeARQ CardARQ P2P; USD ACH payout
- Payout currencies
- OKX Card (EEA)Not disclosedARQ CardUSD
Rewards
3 fields- Base cashback
- OKX Card (EEA)2%ARQ Card0%
- Max cashback
- OKX Card (EEA)10%ARQ Card2%
- Reward currency
- OKX Card (EEA)USDG cashbackARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- OKX Card (EEA)Not disclosedARQ CardUp to 4.5% APY
- How it works
- OKX Card (EEA)Not disclosedARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- OKX Card (EEA)Not disclosedARQ CardYes
- Use balance for spending
- OKX Card (EEA)Not disclosedARQ CardNo
- Lock-up
- OKX Card (EEA)Not disclosedARQ CardNo
Trust & availability
4 fields- Custody
- OKX Card (EEA)Hybrid custodyARQ CardCustodial
- Control until payment
- OKX Card (EEA)You keep controlARQ CardProvider controls funds
- Card issuer
- OKX Card (EEA)UAB MonavateARQ CardNot disclosed
- Programme operator
- OKX Card (EEA)OKX Europe LimitedARQ CardNot disclosed
Sources
2 fields- Official sources
- OKX Card (EEA)21ARQ Card36
- Last reviewed
- OKX Card (EEA)Aug 5, 2026ARQ CardAug 5, 2026
04 · The takeaway
OKX Card (EEA) is the stronger all-round choice
OKX Card (EEA) finishes ahead with an Overall Score of 85 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. OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
ARQ Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. OKX Card (EEA) uses a hybrid custody setup, while ARQ Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 OKX Card (EEA) and ARQ Card reviews first.
Continue with
OKX Card (EEA)
Continue with
ARQ Card
05 · Common questions
OKX EEA vs ARQ FAQ
Is OKX EEA or ARQ better overall?
OKX Card (EEA) has the higher Overall Score (85 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, OKX EEA 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, OKX EEA or ARQ?
OKX Card (EEA) has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do OKX EEA and ARQ differ on custody?
OKX Card (EEA) uses a hybrid custody 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 OKX EEA vs ARQ comparison?
The latest information check for these two cards was August 5, 2026, using 57 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.