Holyheld Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Holyheld Card 3.5/5 self_custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	3.5/5	4.0/5
Fees
Monthly Fee	€0	No annual fees for base tier
Issuance Fee	See card_tiers (€29-€199 one-time)	See card_tiers - varies by tier and region
Rewards
Max Cashback	1%	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Non-custodial model provides enhanced security and control over assets Extensive crypto support with 1,200+ tokens across 17+ blockchain networks No monthly fees and zero conversion fees (aside from market spread) USDC cashback without staking requirements	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	Limited to European Economic Area residents currently One-time card issuance fees are higher than some competitors 2.5% foreign transaction fee makes international use expensive Manual conversion required rather than automatic conversion at point of sale	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending