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Comparing Ether.fi Cash Card and Holyheld Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Ether.fi Cash scores 4.9/5 on Sweepbase vs 4.1/5 for Holyheld. That gap shows up mostly in fees and feature coverage.
Ether.fi Cash Card is the better card here. Ether.fi Cash also lets you earn yield on your deposits, something Holyheld doesn't offer. Zero fixed costs give Ether.fi Cash a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Holyheld may be better if you prefer self-custody need something it does better.
In short: Ether.fi Cash Card (4.9/5) is the stronger option for most people compared to Holyheld Card (4.1/5).
| Features |  Ether.fi Cash Card |  Holyheld Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Self-custody | |
| Visa Signature | Mastercard Prepaid | |
| Free | Classic €29; Limited €99; Metal €199 | |
| Free | Free (€1/mo inactivity fee after 4 months no card use) | |
| 1% FX on all non-USD currencies (including EUR — native EUR not yet live) | 0% within EEA; 2.5% + €1 outside EEA | |
| Up to 3% cashback (tiered: Core 3% on first $2K then 1%; Luxe 3% on first $10K; Pinnacle 3% on first $50K; paid in wETH) | 0.5-1% USDC cashback (no staking required) | |
| Core $30K/day, Luxe $50K/day, Pinnacle $100K/day | €10000/day | |
| $250/day, 2% fee, 3 attempts per 24h | €1000/day; €5000/month; €60000/year | |
| USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD, LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer) | 1200+ cryptocurrencies across 17+ blockchains; manual conversion to EUR required; SEPA in via personal IBAN | |
| 70+ countries: most of Europe, UK, Americas, UAE, Saudi Arabia, Hong Kong, select Asia-Pacific | 30 EEA countries only | |
| Get Card | Get Card |