Holyheld Card vs Coinbase Card: 2026 Comparison
Comparing Holyheld Card and Coinbase Card on fees, cashback, custody, and where each card is available.
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The short version:
Coinbase rates 4.3/5, ahead of Holyheld at 3.6/5. The gap is 0.7 of a point: a few line items in the formula, not a different class of card. What moves the score for Coinbase: no issuance or annual fee, variable cashback (US only).
Holyheld:
Coinbase:
Side by side
| Feature | Holyheld Card 3.6 out of 5, Sweepbase rating Get card Holyheld Card | Coinbase Card 4.3 out of 5, Sweepbase rating Get card Coinbase Card |
|---|---|---|
| Overview | ||
| Card type | Debit card; the current pages do not say whether it is virtual, physical or both, and publish no card tiers | Virtual + Physical |
| Network | Debit, card network not named on Holyheld's current pages | Visa Debit |
| Custody | Hybrid: the Terms say Holyheld provides no custodial services and you connect your own wallet, but the card spends from…The fine print
| Custodial |
| Costs | ||
| Issuance fee | Not published: the personal pricing page lists only the membership and transfer fees | Strength: Free |
| Annual fee | CHF 0 a year for the personal membership, by invitation; no card fee is published | Strength: Free |
| FX fee | Not published: the Terms list no card FX fee and say fees are notified in the account, and the pricing page lists only…The fine print
| No transaction fees: $0 for card transactions, crypto conversion, international purchases and ATM withdrawals…The fine print
|
| Rewards | ||
| Cashback | Strength: Not published | Strength: Variable (US only) |
| Yield on spendable balance | No | Strength: Yes |
| Access | ||
| Apple / Google Pay | Strength: Not published: Holyheld's current personal page, pricing page and Terms do not mention Apple Pay or Google Pay | Strength: Yes in the US (Apple Pay; Google Pay); not available in the UK or EEA |
| Bank account in your name | Strength: IBAN yes, a personal IBAN through Holyheld's partnersThe fine print
| Strength: SEPA yes (EUR deposits via IBAN on Coinbase acct); no dedicated card IBAN |
| Daily spend limit | Not published on Holyheld's current pages | US: $2,500 per 24 hours, signature and PIN combined, with a $25,000 maximum card balance…The fine print
|
| ATM withdrawal limit | Not published on Holyheld's current pages | US: no more than $1,000 per 24 hours and at most six withdrawals a day (Pathward Cardholder Agreement, 14 Oct 2024)The fine print
|
| Top-up methods | Connect your own wallet and exchange crypto-assets into the fiat account (off-ramp, 1%)The fine print
| Any crypto held in Coinbase account (BTC, ETH, USDC, DOGE, and 100+ cryptos) |
| Regions | Not published by country. Personal membership is by invitation, and the current Terms govern users who are residents of, or located in, Switzerland | US plus the United Kingdom and 30 EEA countries. The separate Coinbase One Card, an Amex credit card, is US-only |
| Behind the card | ||
| Card issuer | Unlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Inferred, not stated by the issuer | Pathward, N.A., USA (ex-MetaBank); Paysafe Financial Services Limited, UK (FCA FRN 900015)Named in the card terms |
| Our read | ||
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Which scores higher
Nothing in the formula favours Holyheld over Coinbase. What the formula cannot see is where you live and what you spend on: if Holyheld is sold in your country and Coinbase is not, that settles it, and the Regions row above is where to check.
Holyheld vs Coinbase: FAQ
Coinbase Card scores higher on the Sweepbase formula, at 4.3/5. What moves the score: no issuance or annual fee, variable cashback (US only). The formula does not know where you live or how you spend, so check availability and fees for your own case.
Holyheld Card: issuance Not published: the personal pricing page lists only the…, annual CHF 0 a year for the personal membership, by invitation, Not published: the Terms list no card FX fee and say fees… Coinbase Card: issuance Free, annual Free, FX No transaction fees: $0 for card transactions, crypto… You can compare total annual cost using our fee calculator.
Holyheld Card: Not published cashback. Coinbase Card: Variable cashback (US only). Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Holyheld Card: Hybrid custody. Coinbase Card: Custodial. Each card page quotes how its terms describe who holds the funds.
Holyheld Card supports Apple Pay and Google Pay. Coinbase Card supports Apple Pay and Google Pay.
Holyheld Card: no published availability list. Coinbase Card: Europe + USA. Check each card's detail page for the full country list.