Holyheld Card vs Gemini Credit Card: 2026 Comparison
Comparing Holyheld Card and Gemini Credit Card on fees, cashback, custody, and where each card is available.
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The short version:
Gemini Credit scores 4.4/5 on the Sweepbase formula and Holyheld scores 3.6/5, a gap of 0.8 points. The Strengths row in the table lists what each card is credited for. What moves the score for Gemini Credit: no issuance or annual fee, up to 4% cashback.
Holyheld:
Gemini Credit:
Side by side
| Feature | Holyheld Card 3.6 out of 5, Sweepbase rating Get card Holyheld Card | Gemini Credit Card 4.4 out of 5, Sweepbase rating Get card Gemini Credit 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 and physical metal card, in several designs |
| Network | Debit, card network not named on Holyheld's current pages | Mastercard Credit |
| 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
| 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Strength: Not published | Strength: Up to 4% |
| 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) |
| Bank account in your name | Strength: IBAN yes, a personal IBAN through Holyheld's partnersThe fine print
| No |
| Daily spend limit | Not published on Holyheld's current pages | None (US credit card) |
| ATM withdrawal limit | Not published on Holyheld's current pages | Cash advance only; $10 or 3% of each cash advance, whichever is greater, at 29.49% APR charged from the transaction date |
| Top-up methods | Connect your own wallet and exchange crypto-assets into the fiat account (off-ramp, 1%)The fine print
| Link to Gemini account; spend in fiat (USD) |
| Regions | Not published by country. Personal membership is by invitation, and the current Terms govern users who are residents of, or located in, Switzerland | USA 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 | WebBank, USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
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Which scores higher
Nothing in the formula favours Holyheld over Gemini Credit. What the formula cannot see is where you live and what you spend on: if Holyheld is sold in your country and Gemini Credit is not, that settles it, and the Regions row above is where to check.
Holyheld vs Gemini Credit: FAQ
Gemini Credit Card scores higher on the Sweepbase formula, at 4.4/5. What moves the score: no issuance or annual fee, up to 4% 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… Gemini Credit Card: issuance Free, annual Free, 0% foreign transaction fees… You can compare total annual cost using our fee calculator.
Holyheld Card: Not published cashback. Gemini Credit Card: Up to 4% cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Holyheld Card: Hybrid custody. Gemini Credit Card: Custodial. Each card page quotes how its terms describe who holds the funds.
Holyheld Card supports Apple Pay and Google Pay. Gemini Credit Card supports Apple Pay and Google Pay.
Holyheld Card: no published availability list. Gemini Credit Card: USA. Check each card's detail page for the full country list.