Side-by-side comparison of Holyheld Card and Bybit Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Both cards score closely — Holyheld at 3.8/5 vs Bybit at 3.8/5. Holyheld has a slight edge, but the best choice depends on your priorities.
| Features |  Holyheld Card |  Bybit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Hybrid custody | Custodial | |
| Mastercard Prepaid | Mastercard; Visa | |
| Classic €29; Limited €99; Metal €199 | Free | |
| Free (one-time card fee only) | 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 | |
| Available with physical card | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% | |
| 1200+ cryptocurrencies across 14+ blockchains; manual conversion to EUR required | 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 Holyheld Card | Get Bybit Card |
Holyheld Card is our pick in this matchup. Full Apple Pay and Google Pay support makes it practical for daily spending. However, Bybit may be better if you need broader regional coverage.
Bottom line: For most crypto card users, Holyheld Card (3.8/5) delivers better overall value than Bybit Card (3.8/5).