Argent, already known for its reliable wallet features, has now launched a debit card. After trying it in real-world settings, I found the balance between cashback, fees, and usability to be impressive.

With other crypto cards like Xapo and KAST already in the game, the question is: where does Argent stand? Here’s a breakdown based on actual use.

STRK Cashback: Simple and Fair

• First month: 10% cashback (up to $150)
• From month two onward: 3% cashback (up to $150/month)
• Annual maximum: up to $1,800 in STRK rewards

The cashback system is easy to understand and has a relatively high ceiling. It makes the card suitable for both everyday spending and strategic use.

Zero Fees on Key Features

• USDC usable as-is (1 USDC = $1)
• No top-up fees
• No gas fees
• No FX (currency conversion) fees

This structure makes the card highly accessible for those seeking low-friction usage in day-to-day transactions.

ATM Withdrawals Included

• Free ATM withdrawals up to $800/month
• 2% fee on any amount exceeding $800 (excluding ATM operator fees)

Having ATM access adds flexibility, especially for travelers or digital nomads needing occasional cash.

Quick Comparison: Argent vs. Xapo vs. KAST

• Xapo: Best for BTC holders who want to spend directly in Bitcoin. Clean app design and smooth user experience.
• KAST: Based on the Solana chain. Physical card arrives quickly. Top-up model gives users more control.
• Argent: USDC-based, no fees, and STRK rewards. Particularly useful for those using ETH-based assets.

→ Full comparison here:
KAST vs Xapo Comparison Article

Crypto Is Becoming Practical

The shift from simply holding tokens to using them in real life is getting real. Tools like the Argent card are helping bridge that gap—offering a clear use case for crypto in daily transactions.

→ Related post:
Crypto in Real Life: Why Usability Matters

Conclusion: Worth Having in Your Wallet

With no fees, solid cashback, and easy USDC integration, the Argent card stands out as a balanced option for crypto users.

Combined with Xapo and KAST, it rounds out a well-diversified crypto card toolkit—each with its own strength.