Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Holyheld Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Gemini Credit rates 4.5/5, slightly ahead of Holyheld at 4.1/5. Both are solid options, but Gemini Credit is the better pick for most people.
Gemini Credit Card is the better card here. Gemini Credit also lets you earn yield on your deposits, something Holyheld doesn't offer. Zero fixed costs give Gemini Credit 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: Gemini Credit Card (4.5/5) is the stronger option for most people compared to Holyheld Card (4.1/5).
| Features |  Holyheld Card |  Gemini Credit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Custodial | |
| Mastercard Prepaid | Mastercard Credit | |
| 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% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| 0.5-1% USDC cashback (no staking required) | 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $200/month spend. Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. | |
| €10000/day | Cash advance only; 3% + $10 fee, 29.99% APR | |
| €1000/day; €5000/month; €60000/year | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| 1200+ cryptocurrencies across 17+ blockchains; manual conversion to EUR required; SEPA in via personal IBAN | not card FX) | |
| 30 EEA countries only | USA only | |
| Get Card | Get Card |