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64
Side-by-side card comparison
ARQ vs Holyheld: fees, rewards and account setup
Holyheld Card has the higher Overall Score by 11 points (75 vs 64). Holyheld Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where ARQ Card may still be the better personal fit.
Information checked Aug 12, 202664 official sources reviewed
01 · Make the first cut
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. ARQ Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallARQ64Holyheld75Higher score
CashbackARQ41Holyheld64Higher score
TravelARQ62Holyheld68Higher score
Funds controlARQ52Holyheld74Higher score
Lowest feesARQ52Holyheld67Higher score
TransfersARQ75Holyheld81Higher score
Choose ARQ Card if its day-to-day setup suits you
ARQ Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose Holyheld Card if cashback and travel matter most
Holyheld Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- ARQ64Holyheld75
Holyheld Card has the higher Overall Score by 11 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- ARQ0% base · up to 2%Holyheld0.5% base · up to 1%
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- ARQCustodial balanceHolyheldHybrid custody
ARQ Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayHolyheldVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
ARQ Card lists more stablecoins and ways to send money out (6 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
64
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- Provider spread unknown; Argentina/Brazil variant charges may apply
- ATM fee
- 1–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsARQ CardOverall64Holyheld CardOverall75
ARQ CardOverall64Holyheld CardOverall75Scores
6 fields- Overall Score
- ARQ Card64Holyheld Card75
- Cashback score
- ARQ Card41Holyheld Card64
- Travel score
- ARQ Card62Holyheld Card68
- Funds control score
- ARQ Card52Holyheld Card74
- Lowest fees score
- ARQ Card52Holyheld Card67
- Transfers score
- ARQ Card75Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- ARQ Card$0Holyheld Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURHolyheld Card0%
- Card spending fee
- ARQ Card0%Holyheld Card€0.50
- ATM fee
- ARQ Card1–3%Holyheld CardUp to EUR 2 + 2.5%
- Virtual card
- ARQ CardFreeHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- ARQ CardPrestige: 2%Holyheld CardMetal: 1%
Everyday use
8 fields- Network
- ARQ CardMastercardHolyheld CardMastercard
- Card formats
- ARQ CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableHolyheld CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- ARQ CardNot disclosedHolyheld CardEUR 10,000 daily
- Monthly spending limit
- ARQ CardNot disclosedHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- ARQ CardNot disclosedHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- ARQ CardUSD receive, EUR receiveHolyheld CardPersonal EUR IBAN
- Transfers
- ARQ CardARQ P2P; USD ACH payoutHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- ARQ CardUSDHolyheld CardEUR
Rewards
3 fields- Base cashback
- ARQ Card0%Holyheld Card0.5%
- Max cashback
- ARQ Card2%Holyheld Card1%
- Reward currency
- ARQ CardUSDc cashbackHolyheld CardUSDC
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYHolyheld CardNot disclosed
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultHolyheld CardOptional earn vault
- Separate deposit
- ARQ CardYesHolyheld CardYes
- Use balance for spending
- ARQ CardNoHolyheld CardNot disclosed
- Lock-up
- ARQ CardNoHolyheld CardNo
Trust & availability
5 fields- Custody
- ARQ CardCustodialHolyheld CardHybrid custody
- Control until payment
- ARQ CardProvider controls fundsHolyheld CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedHolyheld CardUnlimit EU Ltd
- Identity verification
- ARQ CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- ARQ CardNot disclosedHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- ARQ Card36Holyheld Card28
- Last reviewed
- ARQ CardAug 5, 2026Holyheld CardAug 12, 2026
04 · The takeaway
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 64 for ARQ Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
ARQ Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ARQ Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
ARQ Card lists more stablecoins and ways to send money out (6 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full ARQ Card and Holyheld Card reviews first.
Continue with
ARQ Card
Continue with
Holyheld Card
05 · Common questions
ARQ vs Holyheld FAQ
Is ARQ or Holyheld better overall?
Holyheld Card has the higher Overall Score (75 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, ARQ or Holyheld?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ARQ or Holyheld?
Holyheld Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ARQ and Holyheld differ on custody?
ARQ Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ARQ vs Holyheld comparison?
The latest information check for these two cards was August 12, 2026, using 64 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.