Holyheld Card vs Crypto.com Visa Card: 2026 Comparison
Comparing Holyheld Card and Crypto.com Visa Card on fees, cashback, custody, and where each card is available.
Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.
The short version:
These two are close: Crypto.com at 3.7/5, Holyheld at 3.6/5. A 0.1-point gap is inside the formula's own rounding, so treat them as level. What moves the score for Crypto.com: no issuance or annual fee, up to 4.5% prepaid; up to 6% on the US credit card cashback.
Holyheld:
Crypto.com:
Side by side
| Feature | Holyheld Card 3.6 out of 5, Sweepbase rating Get card Holyheld Card | Crypto.com Visa Card 3.7 out of 5, Sweepbase rating Get card Crypto.com Visa 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 |
| 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 (virtual card, the regional fee schedules price only the physical card)The fine print
|
| Annual fee | CHF 0 a year for the personal membership, by invitation; no card fee is published | Strength: Free (Basic)The fine print
|
| 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
| 2% on foreign-currency spending outside the EU and UK for Basic cardholders in the EEA and UK…The fine print
|
| Rewards | ||
| Cashback | Strength: Not published | Strength: Up to 4.5% prepaid; up to 6% on the US credit card |
| Yield on spendable balance | No | NoThe issuer pays yield, but in a separate product |
| 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 (Apple Pay; Google Pay; Samsung Pay; Curve) |
| Bank account in your name | Strength: IBAN yes, a personal IBAN through Holyheld's partnersThe fine print
| Strength: SEPA yes (EEA + Switzerland only: UK is NOT eligible for the EUR Account)The fine print
|
| Daily spend limit | Not published on Holyheld's current pages | Available; varies by tier and region |
| ATM withdrawal limit | Not published on Holyheld's current pages | €200-€1,000 a month free by tier in the EEA (£180-£900 UK, US$200-US$1,000 US), 2% afterThe fine print
|
| Top-up methods | Connect your own wallet and exchange crypto-assets into the fiat account (off-ramp, 1%)The fine print
| 150+ cryptocurrencies including BTC, ETH, CRO, USDC, USDT |
| Regions | Not published by country. Personal membership is by invitation, and the current Terms govern users who are residents of, or located in, Switzerland | 36 countries: USA excl. New York and the five US territories, UK, EU, Switzerland, Norway, Iceland, Canada, Australia…The fine print
|
| Behind the card | ||
| Card issuer | Unlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Inferred, not stated by the issuer | Foris Group (Crypto.com), UK + Malta + Australia + SingaporeNamed in the card terms |
| Our read | ||
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Which scores higher
Nothing in the formula favours Holyheld over Crypto.com. What the formula cannot see is where you live and what you spend on: if Holyheld is sold in your country and Crypto.com is not, that settles it, and the Regions row above is where to check.
Holyheld vs Crypto.com: FAQ
Crypto.com Visa Card scores higher on the Sweepbase formula, at 3.7/5. What moves the score: no issuance or annual fee, up to 4.5% prepaid; up to 6% on the US credit card cashback. 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… Crypto.com Visa Card: issuance Free (virtual card, the regional fee schedules price only…), annual Free (Basic), 2% on foreign-currency spending outside the EU and UK for… You can compare total annual cost using our fee calculator.
Holyheld Card: Not published cashback. Crypto.com Visa Card: Up to 4.5% prepaid; up to 6% on the US credit card cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Holyheld Card: Hybrid custody. Crypto.com Visa Card: Custodial. Each card page quotes how its terms describe who holds the funds.
Holyheld Card supports Apple Pay and Google Pay. Crypto.com Visa Card supports Apple Pay and Google Pay.
Holyheld Card: no published availability list. Crypto.com Visa Card: 36 countries. Check each card's detail page for the full country list.