ARQ CardMastercard
ARQ Card
Card currency USD
- Custody
- Custodial
- Network
- Mastercard
- Card types
- Virtual + physical
- Card product
- Secured by crypto
- Wallets
- Apple Pay, Google Pay
Spending is backed by crypto you lock as collateral. No credit check, no interest.
Shipping countries are not published.
Partly verified · 9 of 13 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
ARQ Card is a crypto card that comes as a virtual and a physical card. Spending is backed by crypto you lock as collateral. No credit check, no interest. Payments run on the Mastercard network. The card currency is USD.
Funding and spending
The company holds your balance, and the card spends from it. You can top it up by crypto and bank transfer. You can reload it after the first load. It can be funded with 3 assets: EURC, USDC and USDT. Top-ups are accepted on 3 blockchain networks: Ethereum, Polygon and Tron.
Fees
It has no virtual card issuance fee. It has no annual fee. It has no monthly fee. It has no foreign currency fee. The ATM withdrawal fee is 1%. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the crypto conversion spread and top-up fee yet.
Limits and rewards
You can withdraw cash at ATMs. It pays 1% to 2% back on card spend, depending on tier. Every reward rate depends on a condition such as staking, a paid plan or a minimum balance, up to 2% back. It works with Apple Pay and Google Pay.
How we check
We last checked this card on 15 Oct 2026, against 14 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Tiers compared
| Fee or limit | Standard | Premium | Prestige |
|---|---|---|---|
| ATM withdrawal | 1% | Not verified | Not verified |
| Top-up | 3 USDC | Not verified | Not verified |
| Other fee | 5% | Not verified | Not verified |
| Shipping | USD 3.99 to USD 4.99, depending on country | Not verified | Not verified |
| Back on card spend | Not verified | 1% | 2% |
Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Pros and cons of ARQ Card
Pros
- No annual or monthly fee
- No foreign exchange fee
- No card issuance fee
- Works with Apple Pay and Google Pay
- Comes as a virtual and a physical card
Cons
- Rewards need a paid plan, a lock or a minimum balance
- Custodial: the issuer holds your funds
- 4 of 13 key facts are not verified yet
Who it suits
- Frequent travellers, as there is no foreign exchange fee
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes themPhysical card issuance
Unknown
Monthly fee
Free
No maintenance fees; the physical card has a shipping cost, which is not a monthly fee
Checked 04 Oct 2026agingsource
Foreign currency (FX)
?
Charged on payments in a currency other than the card currency.
Free
No additional fee on currency conversion; the exchange rate used is the sell rate shown in the app. A separate 5% commission applies to purchases the merchant charges in Argentine pesos.
Checked 06 Oct 2026agingsource
Crypto conversion spread
?
Charged when crypto is converted into the card currency.
Unknown
ATM withdrawal
Tier: Standard · Applies in Argentina, Brazil and Mexico
1%
on the amount withdrawn
Checked 02 Oct 2026agingsource
ATM withdrawal
1%
All ARQ cards except the Metal card; local and international withdrawals, regardless of amount. Premium and Prestige members get fee-free allowances. ATM owners may charge their own fees.
Checked 03 Oct 2026agingsource
Top-up
Tier: Standard · Argentina, Brazil, Colombia and 1 more
3 USDC
Crypto deposits. The same page also lists 3 USDc when depositing from US dollar accounts and 3 EURc from euro accounts. Premium plan fees differ. The same Standard plan text appears on the Argentina, Brazil, Colombia and Mexico fee pages.
Checked 06 Oct 2026agingsource
Top-up
Unknown
Inactivity
Unknown
Card replacement
Unknown
Other fee
Tier: Standard · Applies in Argentina, Brazil and Mexico
5%
international purchases when the merchant or platform charges in Argentine pesos
Checked 02 Oct 2026agingsource
Other fee
Tier: Standard · Applies in Colombia
5%
International purchases when the merchant or platform charges in Argentine pesos
Checked 03 Oct 2026agingsource
Other fee
Unknown
Shipping
Unknown
Limits
Daily spend
Unknown
Monthly spend
Unknown
ATM per day
Unknown
Top-up per day
Unknown
Rewards
No country limit
No token staking needed
Tier PremiumBack on card spend
1%
1% cashback on the first 500 USDc of spend per subscription month, 0.5% on the rest. Applies to all card payments including international ones. ATM withdrawals and the Finance and Investments category are excluded. Requires a paid Premium membership.
Checked 06 Oct 2026agingsource
Tier PrestigeBack on card spend
2%
2% cashback on the first 500 USDc of spend per subscription month, 0.5% on the rest. Applies to all card payments including international ones. ATM withdrawals and the Finance and Investments category are excluded. Requires a paid Prestige membership.
Checked 06 Oct 2026agingsource
Top-up assets and networks
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Shipping countries are not published, so there is no shipping column.
Rules the issuer states
- Is an international Mastercard card that you can use for purchases in any currency, anywhere in the world.Checked 03 Oct 2026agingsource
Country
Can apply
Card works
Verified
🇦🇫 AfghanistanExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇩🇿 AlgeriaHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇦🇴 AngolaHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇧🇾 BelarusExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇧🇴 BoliviaHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇻🇬 British Virgin IslandsHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇧🇬 BulgariaHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇨🇲 CameroonHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇨🇫 Central African RepublicExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇨🇳 ChinaExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇨🇮 Côte d’IvoireHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇨🇺 CubaExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇨🇩 DR CongoHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇪🇷 EritreaExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇪🇹 EthiopiaExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇭🇹 HaitiHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇮🇷 IranExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇮🇶 IraqExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇰🇪 KenyaHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇱🇦 LaosHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇱🇧 LebanonHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇱🇾 LibyaExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇲🇱 MaliExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇲🇨 MonacoHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇲🇲 Myanmar (Burma)Explicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇳🇦 NamibiaHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇳🇵 NepalHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇰🇵 North KoreaExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇷🇺 RussiaExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇸🇴 SomaliaExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇸🇸 South SudanHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇸🇩 SudanExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇸🇾 SyriaExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇺🇦 UkraineExplicitly prohibited country: no account can be opened, and services are not available there when travelling.
No
No
Checked 02 Oct 2026agingsource
🇻🇪 VenezuelaHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇻🇳 VietnamHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
🇾🇪 YemenHigh risk country: residents or people located there are not eligible to open or maintain an account. Short stays up to 4 weeks may stay accessible.
No
Unknown
Checked 02 Oct 2026agingsource
No country matches your search.
Frequently asked questions about ARQ Card
Is ARQ Card a virtual or a physical card?
ARQ Card comes as both a virtual and a physical card.
Can I withdraw cash from an ATM with ARQ Card?
Yes. You can withdraw cash at ATMs. The ATM withdrawal fee is 1%.
How do I top up ARQ Card?
You can top it up by crypto and bank transfer.
Does ARQ Card work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Which crypto can I use with ARQ Card?
It can be funded with 3 assets: EURC, USDC and USDT. Top-ups are accepted on 3 blockchain networks: Ethereum, Polygon and Tron.
Does ARQ Card have an annual fee?
No. ARQ Card has no annual fee.
What does ARQ Card charge on payments in a foreign currency?
ARQ Card has no foreign currency fee. The conditions are listed in the fees table on this page.
Does ARQ Card pay cashback?
Yes. It pays 1% to 2% back on card spend, depending on tier.
Sources
- Fees pageDoes my arq card have any costsarqfinance.comChecked 15 Oct 2026
- Fees pageArq costs and fees mexicoarqfinance.comChecked 15 Oct 2026
- Fees pageArq costs and fees argentinaarqfinance.com
- Fees pageArq costs and fees brazilarqfinance.com
- Supported countriesInformation on restricted countriesarqfinance.comChecked 15 Oct 2026
- Other official pageArq card is it debit or creditarqfinance.comChecked 15 Oct 2026
- Other official pageWhat is the arq cardarqfinance.comChecked 15 Oct 2026
- Other official pageLimits for your cardsarqfinance.com
- Other official pageCan i add my card to apple payarqfinance.comChecked 15 Oct 2026
- Other official pageCan i add my card to google payarqfinance.comChecked 15 Oct 2026
- Fees pageAtm withdrawal fees and how to avoid surprise feesarqfinance.comChecked 15 Oct 2026
- Fees pageCan i make cash withdrawals with my arq cardarqfinance.comChecked 15 Oct 2026
- Other official pageAtm withdrawal limits colombia accountsarqfinance.com
- Other official pageHow do exchange rates work when making paymentsarqfinance.comChecked 15 Oct 2026
- Other official pageHow do we treat international paymentsarqfinance.comChecked 15 Oct 2026
- Other official pageTop up your arq account with cryptoarqfinance.comChecked 15 Oct 2026
- Other official pageHow does the cashback work if i am a premium or prestige memberarqfinance.comChecked 15 Oct 2026
- Fees pageArq costs and fees colombiaarqfinance.comChecked 15 Oct 2026