What are the conditions for Cashback?
With a Premium membership, you get 1% cashback on the first $500 USDc you spend each month, and 0.5% cashback on the rest of your purchases thereafter.
Since 10th February 2026, cashback applies to all card payments made with your ARQCard (physical or virtual), including international purchases. Global cards, for users in Argentina and Brazil, are also eligible.
Spend will be based on your subscription month rather than calendar months, like it is currently done for the 1 free international transaction perk.
Is There a Limit on Cashback?
You will receive 1% cashback on the first $500 USDc you spend each month. Thereafter, you will receive 0.5% cashback on the all your purchases, with no restrictions.
When a purchase crosses the $500 USDc monthly 1% limit, cashback is calculated in two parts: 1% on the portion that falls within your monthly limit, and 0.5% on the portion above it.