Annual fee
$0
Rewards rate
None
Monthly fee
None
Funding
USDc · EURc
Bottom line
ARQ Business gives Latin American companies a multi-currency account with US and European details, corporate cards for the team, and bulk payouts to international contractors. Conversions run at institutional rates on the same infrastructure as the consumer app. The catch: ARQ publishes no pricing for the business account or its cards, so costs only become visible after signup.
This is treasury tooling rather than a rewards card. The value is paying overseas contractors at interbank rates and issuing controlled cards to a team without setting up foreign entities. There is no cashback and no published pricing, which makes it impossible to compare on cost before signing up.
ARQ Business is the company-facing side of ARQ, built for teams in Mexico, Colombia and Brazil. It provides business account details in the United States and Europe to send and receive USD and EUR as a local company, with all incoming transfers automatically converted into digital dollars or euros. Corporate cards can be issued to staff with per-card spend limits and real-time controls. Bulk payments go to vendors and contractors worldwide. Signup runs through a separate business portal.
There is no cashback on ARQ Business corporate cards, and ARQ publishes no fee schedule for the business account, card issuance or transfers. The stated benefit is the conversion rate: institutional pricing on USDc and EURc against local currency, which one customer testimonial describes as cutting total company expenses by around 2%. Treat that as marketing rather than a published figure. Real costs are only visible once an account is open.