Holyheld Card vs MetaMask Card: 2026 Comparison
Comparing Holyheld Card and MetaMask Card on fees, cashback, custody, and where each card is available.
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The short version:
MetaMask scores 4.5/5 on the Sweepbase formula and Holyheld scores 3.6/5, a gap of 0.9 points. The Strengths row in the table lists what each card is credited for. What moves the score for MetaMask: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused).
Holyheld:
MetaMask:
Side by side
| Feature | Holyheld Card 3.6 out of 5, Sweepbase rating Get card Holyheld Card | MetaMask Card 4.5 out of 5, Sweepbase rating Get card MetaMask 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; Metal Physical. New US and UK sign-ups paused, no date given |
| Network | Debit, card network not named on Holyheld's current pages | Mastercard 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
| Strength: Self-custody |
| 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
| Cross-border fee 1% on the Free tier, defined by merchant location…The fine print
|
| Rewards | ||
| Cashback | Strength: Not published | Strength: 1% (3% Metal, paused) |
| 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 (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 | $10,000 per transaction and $15,000 a day on the Free tier; $20,000 and $30,000 on Metal |
| ATM withdrawal limit | Not published on Holyheld's current pages | Not available to new cardholders: virtual cards outside the US cannot withdraw cash…The fine print
|
| Top-up methods | Connect your own wallet and exchange crypto-assets into the fiat account (off-ramp, 1%)The fine print
| mUSD, USDC, USDT, wETH, EURe and GBPe on Linea; USDC and USDT on Solana and Base; USDC on Monad |
| Regions | Not published by country. Personal membership is by invitation, and the current Terms govern users who are residents of, or located in, Switzerland | 47 countries on the help centre: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra…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 | Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania); Cross River Bank, USA (New Jersey state-chartered)Named in the card terms; Cross River Bank is inferred |
| Our read | ||
| Strengths |
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| Trade-offs |
| Nothing flagged by these checks |
Which scores higher
Nothing in the formula favours Holyheld over MetaMask. What the formula cannot see is where you live and what you spend on: if Holyheld is sold in your country and MetaMask is not, that settles it, and the Regions row above is where to check.
Holyheld vs MetaMask: FAQ
MetaMask Card scores higher on the Sweepbase formula, at 4.5/5. What moves the score: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused). 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… MetaMask Card: issuance Free, annual Free, FX Cross-border fee 1% on the Free tier, defined by merchant… You can compare total annual cost using our fee calculator.
Holyheld Card: Not published cashback. MetaMask Card: 1% cashback (3% Metal, paused). Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Holyheld Card: Hybrid custody. MetaMask Card: Self-custody. MetaMask Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.
Holyheld Card supports Apple Pay and Google Pay. MetaMask Card supports Apple Pay and Google Pay.
Holyheld Card: no published availability list. MetaMask Card: 47 countries. Check each card's detail page for the full country list.