BleapBleap
94
Side-by-side card comparison
Bleap vs Holyheld: fees, rewards and account setup
Bleap Card has the higher Overall Score by 19 points (94 vs 75). Bleap Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Holyheld Card may still be the better personal fit.
Information checked Aug 12, 202656 official sources reviewed
01 · Make the first cut
Bleap Card is the better all-round starting point
Bleap Card has the higher Overall Score in this comparison. Holyheld 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.
OverallBleap94Holyheld75Higher score
CashbackBleap74Holyheld64Higher score
TravelBleap100Holyheld68Higher score
Funds controlBleap100Holyheld74Higher score
Lowest feesBleap95Holyheld67Higher score
TransfersBleap100Holyheld81Higher score
Choose Bleap Card if cashback and travel matter most
Bleap 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 with an independent exit
- Core card fees are listed at zero
- Both card formats and phone wallets
Choose Holyheld Card if its day-to-day setup suits you
Holyheld 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.
- 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
- Bleap94Holyheld75
Bleap Card has the higher Overall Score by 19 points.
- Entry cost & FX
- Bleap$0 plan · Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
Bleap Card has the lower published FX fee (Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Bleap1% base · up to 20%Holyheld0.5% base · up to 1%
Bleap Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- BleapSelf-controlled walletHolyheldHybrid custody
Bleap Card uses a self-controlled wallet 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
- BleapVirtual + 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
- Bleap3 stablecoins · Stablecoin transfers; Bank transfer in, Bank cash-outHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
Bleap Card lists more stablecoins and ways to send money out (5 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.
- Cashback
- 1%-20%
- Plan cost
- $0
- FX fee
- Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply
- ATM fee
- Bleap fee: €0; up to 3 withdrawals and €400 per month; ATM operator surcharge can apply
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 3 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
CardsBleap CardOverall94Holyheld CardOverall75
Bleap CardOverall94Holyheld CardOverall75Scores
6 fields- Overall Score
- Bleap Card94Holyheld Card75
- Cashback score
- Bleap Card74Holyheld Card64
- Travel score
- Bleap Card100Holyheld Card68
- Funds control score
- Bleap Card100Holyheld Card74
- Lowest fees score
- Bleap Card95Holyheld Card67
- Transfers score
- Bleap Card100Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Bleap CardSelf-custody with an independent exit, Core card fees are listed at zeroHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Bleap CardRollout remains account-gated, High cashback is category-specificHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Bleap Card$0Holyheld Card$0
- FX fee
- Bleap CardBleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can applyHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Bleap CardSEPA buy processing: 0%; other funding routes can include a spread or external network costHolyheld Card0%
- Card spending fee
- Bleap Card0%Holyheld Card€0.50
- ATM fee
- Bleap CardBleap fee: €0; up to 3 withdrawals and €400 per month; ATM operator surcharge can applyHolyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Bleap Card€0Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Bleap Card€0 issuance; €0 deliveryHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Bleap CardNot disclosedHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Bleap CardNot disclosedHolyheld CardMetal: 1%
Everyday use
8 fields- Network
- Bleap CardMastercardHolyheld CardMastercard
- Card formats
- Bleap CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- Bleap CardAvailableHolyheld CardAvailable
- Mobile wallets
- Bleap CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Bleap CardiOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- Bleap Card€15,000/day; €10,000 per transactionHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Bleap Card€30,000 rolling monthHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Bleap Card3 withdrawals and €400 per monthHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Bleap CardBase, Arbitrum, SolanaHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Bleap CardStablecoins: USDC, EURE, USDTHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Bleap CardManual bank transferHolyheld CardPersonal EUR IBAN
- Transfers
- Bleap CardStablecoin transfers; Bank transfer in, Bank cash-outHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Bleap CardEUR, MXNHolyheld CardEUR
Rewards
3 fields- Base cashback
- Bleap Card1%Holyheld Card0.5%
- Max cashback
- Bleap Card20%Holyheld Card1%
- Reward currency
- Bleap CardUSDCHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Bleap CardNot disclosedHolyheld CardNot disclosed
- How it works
- Bleap CardOptional earn vaultHolyheld CardOptional earn vault
- Separate deposit
- Bleap CardYesHolyheld CardYes
- Use balance for spending
- Bleap CardNot disclosedHolyheld CardNot disclosed
- Lock-up
- Bleap CardNoHolyheld CardNo
Trust & availability
5 fields- Custody
- Bleap CardSelf-custodyHolyheld CardHybrid custody
- Control until payment
- Bleap CardYou keep controlHolyheld CardProvider controls funds
- Card issuer
- Bleap CardUnlimit EU LtdHolyheld CardUnlimit EU Ltd
- Identity verification
- Bleap CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- Bleap CardNot disclosedHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Bleap Card28Holyheld Card28
- Last reviewed
- Bleap CardAug 10, 2026Holyheld CardAug 12, 2026
04 · The takeaway
Bleap Card is the stronger all-round choice
Bleap Card finishes ahead with an Overall Score of 94 versus 75 for Holyheld Card. Bleap Card has the lower published FX fee (Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Bleap Card has the higher published base cashback rate (1% vs 0.5%).
Holyheld Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Bleap Card uses a self-controlled wallet setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Bleap Card lists more stablecoins and ways to send money out (5 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 Bleap Card and Holyheld Card reviews first.
Continue with
Bleap Card
Continue with
Holyheld Card
05 · Common questions
Bleap vs Holyheld FAQ
Is Bleap or Holyheld better overall?
Bleap Card has the higher Overall Score (94 vs 75). 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, Bleap or Holyheld?
Bleap Card has the lower published FX fee (Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Bleap or Holyheld?
Bleap Card has the higher published base cashback rate (1% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bleap and Holyheld differ on custody?
Bleap Card uses a self-controlled wallet 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 Bleap vs Holyheld comparison?
The latest information check for these two cards was August 12, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.