Issuer referenceNeobank / money appMastercard

ARQ Prestige Credit Card

A Mastercard World Elite secured by the user's ARQ investment portfolio.

ARQ Prestige Credit CardMastercard

ARQ Prestige is a separate revolving secured credit card. Eligible Save and Invest assets determine the credit line and remain invested while a proportional collateral amount is locked; the card is denominated in USDc and offered virtually and as a 16g metal card.

Go to official site View all cardsReviewed 2026-08

Rewards

0.5-2% cashback

Fees

USD 199.99 annual Prestige subscription; Brazil also offers USD 19.99 monthly

Custody

Custodial

Eligibility

Prestige secured credit is documented for eligible users in Mexico, Argentina, Colombia, and Brazil.

Fees

Monthly feeUSD 199.99 annual Prestige subscription; Brazil also offers USD 19.99 monthly

IssuanceFirst 16g metal card included; replacement USD 75

FXNo foreign transaction fee advertised

ATMMetal-card withdrawals cost 3%, up to USDc 3,000 monthly

Top-upsCredit line is secured by eligible assets in ARQ Save and Invest accounts

Rewards

2% on the first USDc 500 of monthly card spend, then 0.5%, under current Prestige terms.

Availability

Prestige secured credit is documented for eligible users in Mexico, Argentina, Colombia, and Brazil.

Latin America

Official sources

What is ARQ Prestige?Current card form, Mastercard World Elite tier, subscription pricing, rewards, fees, markets, and legal issuer note.ARQ Prestige secured creditPortfolio collateral model, eligible assets, country-specific financing rates, and credit-line mechanics.ARQ Prestige Colombia termsColombian credit-card terms and local contracting entity address.

Pros & cons

Pros

Credit line up to USDc 100,000
Mastercard World Elite benefits
Up to 2% cashback while collateral remains invested

Cons

USD 199.99 annual subscription
Custodial portfolio collateral and KYC required
Metal-card ATM withdrawals cost 3%

Best for

ARQ investors seeking portfolio-backed credit
High-spend LATAM users
Travelers wanting World Elite benefits

Alternatives

ARQ Card

Check official terms

TruBit Card

Check official terms

Nexo Card

Check official terms

This is not financial advice. Conditions change frequently: verify fees, rewards, custody and eligibility on the official site before applying.

Fees

Monthly feeUSD 199.99 annual Prestige subscription; Brazil also offers USD 19.99 monthly

IssuanceFirst 16g metal card included; replacement USD 75

FXNo foreign transaction fee advertised

ATMMetal-card withdrawals cost 3%, up to USDc 3,000 monthly

Top-upsCredit line is secured by eligible assets in ARQ Save and Invest accounts