TuyoTuyo
74
Side-by-side card comparison
Tuyo vs ARQ: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 10 points (74 vs 64). Tuyo Card looks stronger for Funds control and Lowest fees, while ARQ Card comes out ahead for Cashback, Travel, and Transfers.
Information checked Aug 5, 202648 official sources reviewed
01 · Overall score versus use-case fit
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. ARQ Card may be the better fit for Cashback, Travel, and 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.
OverallTuyo74ARQ64Higher score
CashbackTuyo39ARQ41Higher score
TravelTuyo42ARQ62Higher score
Funds controlTuyo100ARQ52Higher score
Lowest feesTuyo71ARQ52Higher score
TransfersTuyo72ARQ75Higher score
Choose Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for 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.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
Choose ARQ Card if cashback and travel matter most
ARQ Card comes out ahead for Cashback, Travel, and 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
- Tuyo74ARQ64
Tuyo Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% 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
- Tuyo0% base · up to 100%ARQ0% base · up to 2%
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletARQCustodial balance
Tuyo 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
- TuyoVirtual · Apple Pay, Google PayARQVirtual + Physical · Apple Pay, Google Pay
ARQ Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersARQ4 stablecoins · ARQ P2P; USD ACH payout
ARQ Card lists more stablecoins and ways to send money out (6 vs 2).
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%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 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
CardsTuyo CardOverall74ARQ CardOverall64
Tuyo CardOverall74ARQ CardOverall64Scores
6 fields- Overall Score
- Tuyo Card74ARQ Card64
- Cashback score
- Tuyo Card39ARQ Card41
- Travel score
- Tuyo Card42ARQ Card62
- Funds control score
- Tuyo Card100ARQ Card52
- Lowest fees score
- Tuyo Card71ARQ Card52
- Transfers score
- Tuyo Card72ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- Tuyo Card$0ARQ Card$0
- FX fee
- Tuyo Card1–3%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- Tuyo CardNot disclosedARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- Tuyo Card0%ARQ Card0%
- ATM fee
- Tuyo CardNot availableARQ Card1–3%
- Virtual card
- Tuyo CardFreeARQ CardFree
- Physical card
- Tuyo CardComing soon; not currently availableARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- Tuyo CardNot disclosedARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- Tuyo CardNot disclosedARQ CardPrestige: 2%
Everyday use
8 fields- Network
- Tuyo CardVisaARQ CardMastercard
- Card formats
- Tuyo CardVirtualARQ CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableARQ CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidARQ CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.ARQ CardNot disclosed
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.ARQ CardNot disclosed
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.ARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonARQ CardEthereum, Polygon, Tron
- Crypto deposits
- Tuyo CardStablecoins: USDCARQ CardStablecoins: USDC, USDT
- Fiat deposits
- Tuyo CardVirtual-account receivingARQ CardUSD receive, EUR receive
- Transfers
- Tuyo CardStablecoin transfersARQ CardARQ P2P; USD ACH payout
- Payout currencies
- Tuyo CardNot disclosedARQ CardUSD
Rewards
3 fields- Base cashback
- Tuyo Card0%ARQ Card0%
- Max cashback
- Tuyo Card100%ARQ Card2%
- Reward currency
- Tuyo CardUSDARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYARQ CardUp to 4.5% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- Tuyo CardYesARQ CardYes
- Use balance for spending
- Tuyo CardYesARQ CardNo
- Lock-up
- Tuyo CardNot disclosedARQ CardNo
Trust & availability
6 fields- Custody
- Tuyo CardSelf-custodyARQ CardCustodial
- Control until payment
- Tuyo CardYou keep controlARQ CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalARQ CardNot disclosed
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)ARQ CardNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)ARQ CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedARQ CardNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12ARQ Card36
- Last reviewed
- Tuyo CardAug 5, 2026ARQ CardAug 5, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo 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, Travel, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tuyo 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 2). 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 Tuyo Card and ARQ Card reviews first.
Continue with
Tuyo Card
Continue with
ARQ Card
05 · Common questions
Tuyo vs ARQ FAQ
Is Tuyo or ARQ better overall?
Tuyo 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, Tuyo 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, Tuyo 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 Tuyo and ARQ differ on custody?
Tuyo 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 Tuyo vs ARQ comparison?
The latest information check for these two cards was August 5, 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.