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Comparing Holyheld Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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: Holyheld at 4.6/5 vs Gemini Credit at 4.4/5. Holyheld has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Mastercard Debit | Mastercard Credit |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | Classic €29; Limited €99; Metal €199 | Free |
| Annual fee | Free (€1/mo inactivity fee after 4 months no card use) | Free |
| FX fee | 0% in EUR inside the EEA0% in EUR inside the EEA; 2.5% + €1 outside it; on top of that the issuer applies a separate 3% mark-up over the Mastercard rate to any transaction not in EUR, published only in the Unlimit fee schedule while Holyheld's own pages say 0% FX — a foreign-currency purchase abroad pays both | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Up to 1% | Up to 4% |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | IBAN yes (Cyprus-based personal IBAN), SEPA yes, SWIFT not disclosed | No |
| Daily spend limit | €10000/day | None (US credit card) |
| ATM withdrawal limit | €1000/day; €5000/month; €60000/year | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | 1,200+ tokens across 20+ networks; connect your own wallet, convert to EUR and move it to the account balance; gasless approvals on external-wallet top-up; SEPA in via personal IBAN | Link to Gemini account; spend in fiat (USD) |
| Regions | 30 EEA countries only | USA only |
| Behind the card | ||
| Card issuer | Unlimit EU Ltd — Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card terms | WebBank — USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
|
| Get Holyheld Card | Get Gemini Credit Card | |
Holyheld Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Gemini Credit where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Gemini Credit may be better if you need something it does better.
In short: Holyheld Card (4.6/5) is the stronger option for most people compared to Gemini Credit Card (4.4/5).
