Holyheld Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Holyheld Card 3.5/5 self_custodialmastercard	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	3.5/5	4.0/5
Fees
Monthly Fee	€0	$0
Issuance Fee	See card_tiers (€29-€199 one-time)	$0
Rewards
Max Cashback	1%	Up to 4% on gas, EV charging, transit & rideshares (up to $300 monthly spend, then 1%), 3% on dining, 2% on groceries, 1% on all other purchases
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	No annual fee makes it accessible to most credit-qualified users Instant rewards provide immediate crypto exposure Wide selection of 50+ reward cryptocurrencies offers flexibility Metal card design with enhanced security features
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	Cannot be used for spending cryptocurrency directly Some users report transaction decline issues affecting reliability Limited to US residents only Caps on high-earning reward categories limit maximum benefits