ARQ Card

The ARQ Card is an international Mastercard connected to the ARQ financial app, formerly known as DolarApp. It lets users spend balances held in digital dollars and use the card for purchases online, in stores and abroad wherever Mastercard is accepted.

ARQ offers both virtual and physical cards. The virtual card is free, while the physical card can be ordered through the app and supports in-person purchases and ATM withdrawals. ARQ also supports Apple Pay and Google Pay for eligible users.

The wider ARQ account is built around digital-dollar and digital-euro balances, international account details, currency conversion and savings or investment features. This makes the card less like a standalone crypto card and more like the spending component of a broader cross-border money app. ARQ is particularly focused on Latin American users who want to hold value in digital dollars and spend internationally without relying entirely on a local-currency bank card.

ARQ's current Help Centre describes the standard ARQ Card as a secured card backed by the balance in your ARQ account. Your available digital-dollar balance determines the amount you can spend, and purchases reduce that available balance immediately. Under this structure, you do not build up an unpaid revolving balance or card interest.

ARQ also offers separate credit products, including Prestige and newer secured revolving credit options for eligible users. Those products should not be confused with the standard balance-backed ARQ Card.

The distinction matters because ARQ's product range now includes more than one card model. If your app shows a standard card funded by your Main Balance, spending is effectively constrained by the funds backing it. If you have been approved for an ARQ credit product, different billing, collateral and repayment rules can apply. Check the specific card name and terms shown in your app before assuming every ARQ Card works identically.

The standard ARQ Card uses the balance in your ARQ account to support your spending. ARQ's Help Centre explains that your digital-dollar balance determines your available card limit and that purchases are deducted from that balance as they occur.

You can use the card wherever Mastercard is accepted, including online and in-person merchants. ARQ converts between supported balances and the transaction currency as needed, with the company promoting real-market exchange rates for international spending. Virtual cards can also be added to Apple Pay or Google Pay where supported.

This model is designed to give users the reach of an international Mastercard while keeping spending tied closely to money already held in ARQ. It differs from ARQ's separate revolving credit products, where eligible users can access credit backed by other assets and receive monthly statements. Always identify which ARQ card product you have before comparing fees, limits or repayment terms.

ARQ uses digital-dollar and digital-euro balances, commonly shown as USDc and EURc, to give users exposure to currencies such as the US dollar and euro inside the app. ARQ explicitly states that these are virtual assets rather than fiat currency held as ordinary cash in a bank account.

Users can convert supported local currencies into these digital balances and use them for transfers, saving and card spending. This structure is central to ARQ's cross-border proposition because it lets users in supported Latin American markets manage dollar or euro-denominated value without opening a conventional foreign bank account.

For card users, the practical point is that seeing 100 USDc in ARQ should not automatically be interpreted as having a $100 US bank deposit. The balance is a digital asset used within ARQ's financial infrastructure. If legal protection, redemption mechanics or issuer risk matter to you, review ARQ's current terms for the specific digital asset rather than relying only on the familiar currency symbol.

ARQ promotes international card spending at the commercial market exchange rate, describing it as the same type of rate users see on Google and without an additional tourist FX markup from ARQ for ordinary supported transactions.

This is one of the card's main attractions for users whose local bank cards apply large foreign-currency markups or taxes. Your ARQ balance is used to settle the purchase while the transaction is converted into the merchant's currency through the card system.

There are exceptions to keep in mind. ARQ's fee schedule currently lists a 5% commission for purchases in Argentine pesos in cases where the merchant or platform charges in ARS, and third parties can still impose their own charges. Always check the transaction currency before confirming a purchase. If a foreign merchant or ATM offers dynamic currency conversion, compare that rate carefully because the merchant's conversion is separate from ARQ's own pricing.

Cashback depends on your ARQ plan. Standard cardholders should not assume that every purchase earns rewards. ARQ Premium currently offers 1% cashback on the first 500 USDc of eligible monthly card spending and 0.5% on spending above that amount, according to ARQ's current Premium terms.

ARQ Prestige offers a higher headline rate, with 2% cashback on the first 500 USDc spent each month and 0.5% thereafter. Prestige is a separate premium membership with additional benefits and eligibility requirements, including access to specific credit products.

This tiered structure means the relevant cashback rate depends on which ARQ membership and card you actually hold. When comparing ARQ with another card, include the subscription cost as well as the reward percentage. A higher cashback rate can be attractive, but its net value depends on how much you spend, whether your purchases qualify and whether you would pay for the membership for its other benefits.

The standard ARQ virtual card is free and has no annual fee or minimum spending requirement. ARQ currently charges $4.99 USD for physical-card shipping, although the first physical card can be free for users who meet certain balance requirements or have Premium.

Ordinary card payments do not carry an ARQ card-use fee under the published Standard pricing. ATM withdrawals are charged at 1% for Standard users, while some Premium and Prestige allowances provide fee-free withdrawals up to monthly limits. ARQ also lists separate charges for certain USD, EUR and crypto deposits and international account transfers.

There is one notable card exception: ARQ's current fee schedule lists a 5% commission for purchases in Argentine pesos where the merchant or platform charges in ARS. Fees also differ by plan and country. For an accurate comparison, check your ARQ plan and transaction type rather than treating the card's 'no hidden fees' message as meaning every service is free.

Yes. The physical ARQ Card can be used for cash withdrawals at compatible Mastercard ATMs in markets where ARQ enables the feature. ARQ's Standard fee schedule currently charges 1% of the withdrawn amount.

Premium members receive a larger fee-free allowance. ARQ currently states that Premium users can withdraw up to 500 USDc per month without an ARQ fee, after which 1% applies. Prestige provides a higher published allowance of 700 USDc per month for applicable non-Prestige cards. ARQ notes that ATM withdrawal availability can be country-specific.

The ATM itself may impose an additional surcharge that ARQ does not control. Currency conversion at the ATM can also affect the final cost, especially if you accept the operator's dynamic currency conversion. If cash access is important, check both the current ARQ allowance for your country and the ATM's own fee before confirming the withdrawal.

Yes. ARQ states that its card can be added to both Apple Pay and Google Pay, allowing eligible users to make contactless payments with a compatible phone or smartwatch.

This is particularly useful with the free virtual ARQ Card. You can create the virtual card for online spending and add it to a supported mobile wallet for in-person purchases without waiting for the physical card to arrive. The physical card remains useful for situations such as ATM withdrawals or merchants where mobile payments are unavailable.

Digital-wallet availability can still vary by country, device and card configuration. If the option does not appear in your ARQ app, check the latest regional support information before assuming there is a problem with your account. Adding the card to Apple Pay or Google Pay does not change the underlying funding model, exchange rate or cashback rules attached to your specific ARQ plan.

Yes. ARQ positions the card specifically for international spending and says it is accepted in more than 150 countries at merchants and ATMs that take Mastercard. It works for online, point-of-sale and contactless transactions.

ARQ's main travel proposition is spending from a digital-dollar balance while using the commercial market exchange rate instead of the large foreign-currency markups that some local cards charge. This can be particularly useful for users in Latin America who travel or regularly buy from international merchants.

Acceptance is still subject to Mastercard rules, merchant restrictions and local regulation. Some transactions may also carry specific fees, such as ARQ's published charge for certain purchases denominated in Argentine pesos. Before travelling, check your available balance, ATM access, plan limits and the currencies involved. Carrying a backup card is sensible because international card authorisations can still fail even when a payment network is widely accepted.

ARQ Card eligibility depends on whether ARQ operates in your country and whether you can successfully create and verify an account. ARQ has historically focused on Latin American markets, and its current products and features can differ between countries.

To order a card, users download the ARQ app, create an account and complete identity verification with an accepted identity document. Eligible users can then request a free virtual card and, where available, order a physical card for delivery.

Not every ARQ feature is available to every cardholder. ATM withdrawals, Premium benefits, Prestige and revolving credit products can have separate country restrictions, eligibility rules or waitlists. For that reason, distinguish basic ARQ Card availability from access to ARQ's higher-tier credit products. The options displayed in your verified account are the most reliable guide to what ARQ currently offers in your jurisdiction.

ARQ offers balance rewards through selected paid plans and savings features. Premium currently advertises 3.5% annual earnings on balances held in its Save section, while Prestige advertises 4.5% on the first 2,000 USDc in the applicable earnings account and 3.5% above that amount.

These rates are separate from card cashback. They apply to eligible balances held in the relevant ARQ savings feature, not simply to every dollar-equivalent amount available for card spending. Rates, caps and product terms can change.

ARQ describes USDc as a virtual asset rather than fiat currency, so these earnings should not be treated as equivalent to interest on a conventional insured bank deposit. If you are considering ARQ partly for savings, review the current terms, underlying asset structure and membership cost as well as the advertised annual rate. The best plan depends on how much you hold, how much you spend and which other Premium or Prestige benefits you actually use.

Potentially, but this depends on the ARQ product and country. ARQ's card documentation refers to building or improving credit history, while its Prestige documentation gives more specific reporting information for its secured credit products.

ARQ currently states that Prestige credit-card activity is reported to the credit bureau in Mexico. For Argentina, Colombia and Brazil, ARQ says that this reporting is not currently provided for the Prestige product. This means users should not assume that simply spending with any ARQ Card will build a credit score in every market.

If credit building is your goal, confirm that you have an actual ARQ credit product and check whether that product reports to a recognised credit bureau in your country. The standard balance-backed card and the separate secured revolving credit products do not necessarily have the same effect. Credit reporting rules can also change as ARQ expands its credit offering.

To get an ARQ Card, download the ARQ app, create an account and complete identity verification. Once your account is approved and card services are available in your country, open the card section from the app's home screen.

ARQ offers a free virtual card that can be used for online payments and added to Apple Pay or Google Pay where supported. You can also order a physical card for delivery. ARQ currently lists a $4.99 shipping charge for Standard users, although the first physical card can be free if you meet specified balance conditions or have Premium.

If you are interested in ARQ Prestige or another secured revolving credit product, that is a separate application or eligibility process and may involve a waitlist. Getting the standard ARQ Card does not automatically mean you have access to ARQ's credit line or metal Prestige card.

ARQ provides support through its official in-app chat, which its Help Centre lists as available 24/7 for card questions. For the standard consumer product, the Help Centre also lists help@arqfinance.com as a support email.

The official ARQ Help Centre is https://help.arqfinance.com. It contains separate sections for the card, account, transfers, Premium and other features, so it is the best starting point for current fees, limits and troubleshooting.

When contacting support about a card payment, keep the transaction amount, merchant, date and any decline or error message available. Do not share passwords, one-time authentication codes or other credentials with anyone claiming to represent ARQ. This is especially important because ARQ now offers several card and credit products. Make sure any instructions you follow refer to the exact product in your app, rather than assuming Standard, Premium and Prestige cards use the same rules.