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Updated for August 2026

Crypto.com vs Holyheld Card

Two no-fee crypto cards, head to head. Here’s how they stack up.

Crypto.com#1
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com
Holyheld Card#2
MastercardDebit
Holyheld Card card
Cashback
Up to 1%
Monthly fee
None
Our score
2.7
Get Holyheld Card

The bottom line

Choose Crypto.com if…

you want the highest cashback in this matchup — earn 5% back on everyday spend.

5% cashbackNo monthly fee2.2★ rating

Choose Holyheld Card if…

you want our top-rated pick here — it scores 2.7/5 with our editors.

Up to 1% cashbackNo monthly fee2.7★ rating
4 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Holyheld Card logoHolyheld Card

All about Crypto.com Obsidian

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Holyheld Card

Holyheld Card card
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Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackUp to 1%
FX fee2.5%
Savings0.0
ATM fee—
Currencies1202
Supported countries30
—

Bonus offers

No current bonus offer.

13 EUR bonus

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Cashback rate (Classic tier)0.5%
Monthly cashback cap (Classic tier)125 EUR
Cashback currencyUSDC
Cashback payout delay30 days
Welcome bonus
Staking requirement for rewards
—

Pros

  • 5% back in CRO with no monthly cap
  • Permanent Spotify, Netflix and Truth+ rebates
  • Lounge access with a guest
  • Exclusive F1, UFC and football invitations
  • Voice and messaging support
  • Non-custodial self-custody
  • No monthly fee
  • Physical card for 1 EUR
  • 125 EUR monthly cashback cap at entry tier
  • IBAN and bank account included
—

Cons

  • Requires a €450,000 CRO stake
  • No subscription alternative
  • CRO locked for twelve months
  • Heavy exposure to CRO price movement
  • Rewards paid in CRO only
  • 2.5% FX fee
  • Virtual card costs 29 EUR
  • Cashback delayed 30 days after purchase
  • Entry cashback capped at 125 EUR per month
  • 1% cashback requires 199 EUR Metal card fee
  • 1 EUR per month inactivity fee
  • Card validity only 2 years
  • Europe-only, 30 countries
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Options to Crypto.com

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card