Fold Bitcoin Credit Card vs ARQ (ex DolarApp)
On cashback Fold Bitcoin Credit Card wins (up to 1.5%). The choice depends on your real spending profile: redo the math with your volumes before picking between Fold Bitcoin Credit Card and ARQ (ex DolarApp).
| Fold Bitcoin Credit Card | ARQ (ex DolarApp) | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.0 | ★ 3.9 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | dedicato |
| Multi-currency | No (single currency) | Yes · 2 currencies |
| Outbound transfers to third-party IBANs | No | Yes |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| On-chain crypto withdrawal | Yes | No |
| Interest on balance | 0% | 2% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | US · 1+ countries | LATAM, US, EEA · 10+ countries |
| Regulator | none | partner bank regulator |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Regions | US | LATAM, US, EU/EEA |
| Licences & safety | none | none (fintech partner) |
Frequently asked questions
Fold Bitcoin Credit Card vs ARQ (ex DolarApp): which is better?
On cashback Fold Bitcoin Credit Card wins (up to 1.5%). The choice depends on your real spending profile: redo the math with your volumes before picking between Fold Bitcoin Credit Card and ARQ (ex DolarApp).
Which is cheaper, Fold Bitcoin Credit Card or ARQ (ex DolarApp)?
On the standard spending profile Fold Bitcoin Credit Card has the lowest net annual cost: €0 versus €0 for ARQ (ex DolarApp).
Which offers more cashback, Fold Bitcoin Credit Card or ARQ (ex DolarApp)?
Fold Bitcoin Credit Card has the highest cashback: up to 1.5%. Note the top rate often requires token staking and is subject to spending caps.
Is Fold Bitcoin Credit Card custodial or self-custody?
Fold Bitcoin Credit Card is custodial: funds are held by the platform, while ARQ (ex DolarApp) is custodial.
Which is better for spending abroad?
For foreign-currency spending Fold Bitcoin Credit Card wins, with the lowest FX markup: 0%.