Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Holyheld Card and Bybit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
These two are close: Holyheld at 4.1/5 vs Bybit at 4/5. Holyheld has a small lead, but which card works better depends on what you need.
Holyheld Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Bybit where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Bybit may be better if you need broader regional coverage.
In short: Holyheld Card (4.1/5) is the stronger option for most people compared to Bybit Card (4/5).
| Features |  Holyheld Card |  Bybit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Custodial | |
| Mastercard Prepaid | Mastercard; Visa | |
| Classic €29; Limited €99; Metal €199 | Free | |
| Free (€1/mo inactivity fee after 4 months no card use) | Free | |
| 0% within EEA; 2.5% + €1 outside EEA | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion | |
| 0.5-1% USDC cashback (no staking required) | Advertised 2-10% cashback based on VIP level, but the base tier has a strict $10 USDT monthly cashback cap. Even at 2% cashback, you max out at just $500/month in spending before hitting the cap. At typical $2,000/month spending, the effective cashback rate drops to just 0.5% ($10 cap / $2,000). To reach 10%, you need VIP Supreme status, which requires $1M+ in assets or massive trading volume ($1M spot + $10M derivatives in 30 days for VIP 1 alone). No staking required, but the monthly cap makes the high percentage misleading for regular users. Realistic cashback for a typical user: 2% capped at $10/month. | |
| €10000/day | €5000/day standard; €20000/day Level 3 | |
| €1000/day; €5000/month; €60000/year | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% | |
| 1200+ cryptocurrencies across 17+ blockchains; manual conversion to EUR required; SEPA in via personal IBAN | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) | |
| 30 EEA countries only | 27 EEA countries, Switzerland, Australia, Latin America; NOT available in US, UK, Canada, France, Singapore, China | |
| Get Card | Get Card |