The ARQ Card earns 0-2% (paid plans) cashback on a Mastercard debit card with a $0 (Standard) fee, available in Mexico/Argentina/Brazil/Colombia.
ARQ is the March 2026 rebrand of DolarApp, a Latin American app offering digital dollar and euro accounts held as USDC and EURC. It operates in Mexico, Argentina, Brazil and Colombia; in Mexico its card and virtual-asset services are provided by Pier 5 S.A. de C.V.
The ARQ Card is a crypto debit card offered by ARQ (formerly DolarApp), available in Mexico/Argentina/Brazil/Colombia. It offers 0-2% (paid plans) cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card. It runs on the Mastercard network and requires full identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | Free plan, no cashback |
| Premium | 1% | ARQ Premium subscription $6.99/mo, 1% on the first $500 of monthly spend (USDC) and 0.5% above it |
| Prestige | 2% | ARQ Prestige subscription $199.99/yr, 2% on the first $500 of monthly spend (USDC) and 0.5% above it |
On $500/mo spend, the estimated monthly cost breakdown for ARQ Card is: gas $0.00, conversion spread $7.50, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). ARQ Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Mastercard spent from a USDC (or EURC) balance: ARQ states that all incoming payments convert automatically to USDC or EURC. ARQ calls the ARQCard a secured credit card whose limit is set by the USDC balance, with no interest or accumulated debt, so it behaves like a debit card and is recorded as one here. Premium and Prestige members can also draw a separate portfolio-secured credit line of up to $100,000 USDC (Prestige financing 0.7% a month on USDC and EURC, 0.8% in Brazil). CASHBACK (help centre, read 2026-10-04): Premium 1% and Prestige 2% on the first $500 USDC of card spend each month, 0.5% above; applies to all card payments including international since 10 February 2026; ATM withdrawals and the Finance and Investments category are excluded. Prestige is $199.99 a year and annual only, except in Brazil where it is $19.99 a month with 50% of the fee returned at 2,000 USDC of monthly card spend and 100% at 4,000. FEES (Mexico Standard plan, help centre): virtual card free; physical card shipping $4.99, and the first physical card is free with more than $100 in the main balance or a Premium plan; 3 USDC per deposit from USD, crypto or (3 EURC) EUR accounts; 1% on ATM withdrawals; 5% on purchases charged in Argentine pesos. ARQ says the card has no hidden costs, annual fee or minimum spend. VERIFICATION GAPS: no FX fee for currencies other than USD and ARS is published, no BIN sponsor bank is named, and only a monthly Premium price is published.
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The ARQ Card is a crypto debit card offered by ARQ (formerly DolarApp). It is available in Mexico/Argentina/Brazil/Colombia and allows users to spend cryptocurrency at merchants worldwide.
The ARQ Card offers 0-2% (paid plans) cashback. There are 3 tiers: Standard (0%), Premium (1%), Prestige (2%).
The ARQ Card has an annual fee of $0 (Standard). Additional fees: FX fee: 5% on purchases charged in Argentine pesos; other currencies not published; ATM: 1% (Standard plan); Top-up: 3 USDC per deposit from USD or crypto accounts (3 EURC from EUR accounts).
Yes. The ARQ Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The ARQ Card is available in Mexico/Argentina/Brazil/Colombia.
The ARQ Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.