ARQ Premium cashback is tiered by monthly eligible spend
Premium costs USDc 6.99 monthly or USDc 69.99 yearly. It earns 1% on the first USDc 500 per subscription month and 0.5% after that without a cap; Standard has no published standing cashback rate. ATM and Finance/Investments transactions do not qualify.
ARQ's general ATM guide and Premium overview disagree
General card help describes worldwide ATM access except international withdrawals on Argentina-issued cards, while the Premium overview says ATM withdrawals are available only in Colombia and Mexico. Fees also depend on membership, card and ATM operator. The directory flags this conflict; confirm availability in-app before relying on cash access.
Brazil Standard physical-card prices depend on card type
ARQ's Brazil fee schedule lists USDc 2.99 for the Standard Global physical card or BRL 15 for the Standard Local card. Premium may use different prices; check the in-app quote before ordering.
Brazil Local and Global cards have different FX costs
Global-card spending in BRL has a 0.5% conversion charge; international purchases with the Local card carry 3.5% IOF. The right fit depends on where and in which currency you spend.
Standard has no maintenance or annual fee. Optional Premium costs USDc 6.99/month or USDc 69.99/year
Issuance and shipping
Virtual issuance is free. Physical shipping is usually USD 4.99; the first physical card is free above USD 100 Main Balance or with Premium. Brazil has different Local/Global card prices
Per-purchase fee
Not yet verified
FX and conversion
ARQ advertises no hidden FX fee, but card type and country matter: Brazil Global-card BRL spending has a 0.5% conversion fee; Local-card international purchases carry 3.5% IOF
Top-ups
Not yet verified
ATM
General help says ATMs are available worldwide except international withdrawals on Argentina-issued cards. Standard costs 1%; Premium waives up to USDc 500 per month, then 1%, plus possible ATM-owner fees. The Premium overview separately limits ATM availability to Colombia and Mexico
Rewards and limits
Premium earns 1% on the first USDc 500 per subscription month, then 0.5% without a cap on eligible card purchases; Standard has no published standing rate. ATM and Finance/Investments transactions are excluded
Eligibility
Not yet verified
Custody
Not yet verified
A plan with verified numerical rules has not yet been recorded for this profile.
Sources and dates
Each source states what it documents and when it was checked. An older reference does not confirm every current cost.
Current help article says the virtual card is free, there is no maintenance or annual fee, physical-card delivery normally costs USD 4.99, and the first physical card is free when the user has more than USD 100 in Main Balance or Premium.
Current Premium membership costs USDc 6.99 monthly or USDc 69.99 annually; it pays 1% on the first USDc 500 of card purchases per month and 0.5% after that, waives up to USDc 500/month in ATM fees before 1% resumes, and includes one physical card. The page says ATM withdrawals are available only to users in Colombia and Mexico and that free trials do not include physical-card shipping.
Current cashback guide says Premium earns 1% on the first USDc 500 in each subscription month then 0.5% without a cap; Prestige earns 2% on the first USDc 500 then 0.5%. Eligible virtual and physical purchases include international payments and Global cards for Argentina/Brazil users; ATM and Finance/Investments transactions do not earn cashback.
Current general card help says ATMs are available worldwide except international ATM withdrawals on cards issued in Argentina; Standard withdrawals cost 1%, Premium users get up to USDc 500/month without the ARQ fee, and ATM-owner surcharges may apply.
Brazil-specific schedule dated 2 September 2026 says Standard users pay USDc 2.99 for a Global physical card or BRL 15 for a Local physical card, 1% of ATM withdrawals, and a 5% commission in specified international purchases charged in ARS; the article says Premium may price these services differently.
Brazil-specific guide says the Global card spends USDc/EURc and incurs a 0.5% conversion fee when used for BRL purchases; the Local card spends BRL without additional card conversion cost in Brazil, while international Local-card purchases carry Brazil's 3.5% IOF tax.