Free if you spend A year at $500/moNo fees and no cashback at this spend
No card fees, crypto back on purchases
Get Coinbase CardGet card
ARQ Card
Tap the card to read the small print
Your first yearEarn about/yr
- Monthly fee · none
- $0
- Cashback
- None
- Currency fee · 0%
- $0
- ATM
- 1%
- Your money
- Company holds it
- Sign-up
- ARQ account + ID
- Apple / Google Pay
- The card itself
- Free virtual, $4.99 physical
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For people who earn or save in dollars and want to spend them abroad with no exchange fee. Not for you if you want cashback without paying for a plan.
Want more cashback? Compare with MEXC Card
Good to know
- Pays from digital dollars or euros
- No FX fee from ARQ
- USD and EUR account details for payments in
- No cashback on the free plan
- Local purchases use ARQ's own sell rate
- ATM fee 1% on every withdrawal
Fees
SourceARQ help center, card costs (01.10.2026) · checked November 10- Monthly fee
- $0No annual fee or minimum spend
- Virtual card
- Free
- Physical card
- $4.99 shippingFirst card free with $100+ in the Main Balance or with Premium
- Paying abroad
- ARQ help center, international payments (29.10.2026) · November 10
- No ARQ feeUSD 1:1 from USDs, EUR 1:1 from EURc; other currencies at the rate of the moment
- Paying in local currency
- ARQ help center, exchange rates for payments (01.10.2026) · November 10
- ARQ sell rateSpread not published; Brazil: 0.5% USDs→BRL
Plans
Standard$0 / month
- No cashback
- Virtual card free, physical $4.99 shipping
Premium$6.99 / month or $69.99 / year
- 1% cashback on the first $500 a month, then 0.5%
- 500 USDs a month of ATM withdrawals with no ARQ fee
- Free physical card, one free US/EU transfer a month
Prestige$199.99 / year
- 2% cashback on the first $500 a month, then 0.5%
- 700 USDs a month of ATM withdrawals with no ARQ fee
- Mastercard World Elite metal card, credit up to $100,000 backed by investments
Limits
SourceARQ help center, card limits (01.11.2026) · checked November 10- Cards
- Up to 3 active, 10 new a month, 30 in total
Top up & withdraw
SourceARQ help center, top up with crypto (06.11.2026) · checked November 10Top up
- Crypto
- USDC (Ethereum, Polygon) and USDT (Ethereum, Tron, Polygon)Fee not stated
- Bank
- ARQ help center, top up with MXN · November 10
- Local transfer in MXN, ARS, COP or BRL; USD by ACH/wire; EUR by SEPAConverted to USDs at ARQ's buy rate
Withdraw
- Cash withdrawal
- ARQ help center, ATM fees (29.10.2026) · November 10
- 1%Every withdrawal, local or abroad, plus the ATM's own fee
For residents of 4 countries
Not on the list? Then ARQ Card doesn't accept people living there yet.
- How they check where you live
- Official document or tax ID from the country you live in
- ID from another country
- Where you live counts, not the country of your ID
- ID accepted
- ARQ help center, does it work for foreigners · November 10
- Not published (types not named). Foreigners: residence permit, local ID or a tax ID
Trust
SourceARQ help center, what is the ARQ Card · checked November 10- Card issued by
- Pier 5 S.A. de C.V. (MX, BR) / DAPP Colombia S.A.S. (CO); app by DolarApp Inc.
- Licence
- Mastercard secured credit card backed by the ARQ balance; virtual assets by DA Global Limited and/or Pier 5 S.A. de C.V.
- Based in
- Mexico
Changes
- March 2DolarApp renamed ARQ; cards keep working
- February 10Premium cashback now on international purchases too: 1% to $500, then 0.5%
- November 10ARQ Card: every fact checked against the official pages
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