COMPANY detail
ARQ CARD Modern finance for the global era
CARD FEATURE OVERVIEW. 
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
0%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$69.99/YEAR
CASHBACK
UP TO 1%
NEED KYC
YES
FX FEE
0%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$500
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$199.99/YEAR
CASHBACK
UP TO 2%
NEED KYC
YES
FX FEE
0%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$700
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
STANDARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
PREMIUM
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $69.99/YEAR |
| CASHBACK | UP TO 1% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $500 |
| DAILY LIMIT | NOT DISCLOSED |
PRESTIGE
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $199.99/YEAR |
| CASHBACK | UP TO 2% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $700 |
| DAILY LIMIT | NOT DISCLOSED |
Last Updated: Jul 19, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
VIEW GLOBAL NETWORK
Available
Restricted
Not Specified
Standard tier earns zero yield and zero cashback on spending. You're paying 1% ATM fees on your own money while Premium/Prestige users earn 3.5-4.5% APY and get cashback.
Argentine peso purchases incur a hidden 5% commission. Any merchant that charges in ARS triggers this fee.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- No hidden fees for card usage or maintenance
- Interbank exchange rates for currency conversion
- 0% FX fee on all card purchases
- Free virtual card, physical card $4.99 shipping
- Apple Pay and Google Pay supported
- IBAN and US account details available
- USDc/EURc stablecoins for stability
- 2 million users, backed by top VCs (Sequoia, Founders Fund, etc.)
CONS
[ LIMITATIONS ]
- Custodial wallet
- Limited to 4 countries (LATAM focus, expansion TBD)
- No cashback on Standard tier
- 1% ATM withdrawal fee for Standard tier
- ATM withdrawals not available for Premium in Argentina/Brazil (only CO/MX)
- $3 USDc/EURc fees for transfers and crypto deposits (Standard)
- 5% commission on ARS-denominated purchases (Argentina)
- Prestige credit bureau reporting: Mexico only
- Standard APY: 0% (only Premium/Prestige earn)
GENERAL QUESTIONS.
Virtual card is free. Physical card costs $4.99 USD shipping. No annual fees or maintenance fees.
Yes, Standard users pay 1% fee on all ATM withdrawals. Premium users get 500 USDc/month fee-free, then 1% after.
Mastercard - accepted worldwide in any currency.
$3 USDc for US transfers, 3 EURc for Euro transfers (Standard). Premium gets 1 free international transfer per month.
