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Updated for August 2026

ARQ vs Crypto.com

Two no-fee crypto cards, head to head. Here’s how they stack up.

ARQ#1
MastercardDebit
ARQ card
Cashback
—
Monthly fee
None
Our score
2.4
Get ARQ
Crypto.com#2
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com

The bottom line

Choose ARQ if…

you want our top-rated pick here — it scores 2.4/5 with our editors.

— cashbackNo monthly fee2.4★ rating

Choose Crypto.com if…

you want the highest cashback in this matchup — earn 5% back on everyday spend.

5% cashbackNo monthly fee2.2★ rating
4 differences below
FeesRewardsPros & cons
See the full breakdown
ARQ logoARQ Card
vs.Crypto.com logoCrypto.com Obsidian

All about ARQ Card

ARQ Card card
Get ARQ Card

Crypto.com Obsidian

Drop video / image
Get Crypto.com Obsidian

Main perks

Monthly feeNone
Cashback—
FX feeInterbank rate
SavingsUp to 4.5%
ATM fee—
Currencies2
Supported countries4
Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
—

Bonus offers

No current bonus offer.

No current bonus offer.

—

Rewards

Conversion rateInterbank
Account earningsUp to 4.5%
Cashback on purchases
Physical and virtual cards
Published cashback rate
Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
—

Pros

  • No hidden conversion margins
  • Digital dollar and euro balances
  • Physical or virtual card
  • Cashback on purchases
  • Up to 4.5% on account balance
  • 5% back in CRO with no monthly cap
  • Permanent Spotify, Netflix and Truth+ rebates
  • Lounge access with a guest
  • Exclusive F1, UFC and football invitations
  • Voice and messaging support
—

Cons

  • Cashback rate not published
  • Card fees not published
  • Available in four countries only
  • USDc and EURc are not fiat currency
  • ATM fees not published
  • Requires a €450,000 CRO stake
  • No subscription alternative
  • CRO locked for twelve months
  • Heavy exposure to CRO price movement
  • Rewards paid in CRO only
—

Options to ARQ

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card