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Holyheld Metal Mastercard card front
75Overall

Best fit

  • Moving crypto from your wallet into EUR for everyday Mastercard spending.
  • Using a personal IBAN and SEPA transfers alongside a EUR card balance.

Before you choose

  • Foreign fees can reach 5.5% + €1, depending on geography and currency.
  • USDC cashback becomes claimable after 30 days; it is not immediately spendable.
Read review
KAST K Card card design
84Overall

Best fit

  • USD spending on Standard: 1.5% cashback, capped at $30/month.
  • Using stablecoins for card purchases and local bank payouts.

Before you choose

  • Non-USD purchases add 0.5–1.75% FX; those below $25 also cost $0.10.
  • ATM withdrawals cost $3 + 2%, plus FX when withdrawing non-USD cash.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
Holyheld Card: 75
KAST Card: 84
Cashback score
Holyheld Card: 64
KAST Card: 75
Travel score
Holyheld Card: 68
KAST Card: 93
Funds control score
Holyheld Card: 74
KAST Card: 71
Lowest fees score
Holyheld Card: 67
KAST Card: 82
Transfers score
Holyheld Card: 81
KAST Card: 100
02

Costs

Plan cost
Holyheld Card: $0
KAST Card: $0
FX fee
Holyheld Card: 3%
KAST Card: 0.5–1.75%
Top-up fee
Holyheld Card: 0%
KAST Card: 0%
Card spending fee
Holyheld Card: €0.50
KAST Card: 0%
ATM fee
Holyheld Card: €1–€2 + up to 2.5%
KAST Card: $3 + 2%
Virtual card
Holyheld Card: Limited Edition virtual card: EUR 99; Classic includes virtual access
KAST Card: Free first two
Physical card
Holyheld Card: €29–€199
KAST Card: $0 + $40 shipping
Asset conversion fee
Holyheld Card: 0%
KAST Card: 0%
03

Plans & rewards

Entry plan
Holyheld Card: Classic
KAST Card: Standard
Base cashback
Holyheld Card: 0.5%
KAST Card: 1.5%
Max cashback
Holyheld Card: 1%
KAST Card: 3%
Reward currency
Holyheld Card: USDC
KAST Card: USD
Cashback cap · entry plan
Holyheld Card: Not disclosed
KAST Card: $30 / month
Full-rate spend · entry plan
Holyheld Card: Not disclosed
KAST Card: $2,000 / month
Rate after spend cap · entry plan
Holyheld Card: Not disclosed
KAST Card: 0%
Top cashback plan
Holyheld Card: Metal
KAST Card: Private
Cashback on top plan
Holyheld Card: 1% in USDC
KAST Card: 3% in USD
Cashback cap · top plan
Holyheld Card: Not disclosed
KAST Card: $1,200 / month
Full-rate spend · top plan
Holyheld Card: Not disclosed
KAST Card: $40,000 / month
Rate after spend cap · top plan
Holyheld Card: Not disclosed
KAST Card: 0%
Top plan price / access
Holyheld Card: $0/yr
KAST Card: $10,000/yr
Top plan qualification
Holyheld Card: One-time Metal card price: EUR 199
KAST Card: Not disclosed
Reward payout
Holyheld Card: Updates daily; claimable after 30 days
KAST Card: Not disclosed
Programme opt-in
Holyheld Card: Not required
KAST Card: Not disclosed
04

Everyday use

Network
Holyheld Card: Mastercard
KAST Card: Visa
Card formats
Holyheld Card: Virtual, Physical
KAST Card: Virtual, Physical
ATM withdrawals
Holyheld Card: Available
KAST Card: Available
Mobile wallets
Holyheld Card: Apple Pay, Google Pay
KAST Card: Apple Pay, Google Pay
Apps
Holyheld Card: iOS, Android, Web
KAST Card: iOS, Android
Daily spending limit
Holyheld Card: $10,000 / day
KAST Card: No cap
Monthly spending limit
Holyheld Card: $25,000 / month
KAST Card: No cap
ATM limit
Holyheld Card: $1,000 / 24 hours
KAST Card: $1,500 / 24 hours
05

Money in & out

Networks
Holyheld Card: Ethereum, Arbitrum, Base, Optimism, Polygon +3
KAST Card: Solana, Ethereum, Tron, Polygon, BNB Chain +8
Stablecoin deposits
Holyheld Card: USDC, USDT
KAST Card: USDT, USDC, USDe, PYUSD, RLUSD
Other crypto deposits
Holyheld Card: Not disclosed
KAST Card: BTC, ETH, SOL, XRP, AAVE +22
Fiat deposits
Holyheld Card: Personal EUR IBAN
KAST Card: USD bank transfer, EU bank transfer, BRL PIX deposit +3
Crypto transfers
Holyheld Card: Card balance to wallet
KAST Card: Stablecoin transfers
Internal transfers
Holyheld Card: Not disclosed
KAST Card: KAST Tag
Bank transfers
Holyheld Card: Outgoing SEPA transfer
KAST Card: Global USD SWIFT payout, USD local payout, EUR SEPA payout +1
Payout currencies
Holyheld Card: EUR
KAST Card: USD, EUR, AED, SAR, JPY +7
06

Earn

Advertised APY
Holyheld Card: Not disclosed
KAST Card: Up to 7% APY
How it works
Holyheld Card: Optional earn vault
KAST Card: Optional earn vault
Separate deposit
Holyheld Card: Yes
KAST Card: Yes
Use balance for spending
Holyheld Card: Not disclosed
KAST Card: No
Lock-up
Holyheld Card: No
KAST Card: No
07

Trust & sources

Custody
Holyheld Card: Hybrid custody
KAST Card: Custodial
Control until payment
Holyheld Card: Provider controls funds
KAST Card: Provider controls funds
Card issuer
Holyheld Card: Unlimit EU Ltd
KAST Card: Third National
Card processing
Holyheld Card: Not disclosed
KAST Card: Tazapay
Custody / key management
Holyheld Card: Not disclosed
KAST Card: BitGo
Identity verification
Holyheld Card: Sumsub / Idenfy
KAST Card: Not disclosed
Programme operator
Holyheld Card: Holyheld Labs AG
KAST Card: Troia Corp
Official sources
Holyheld Card: 28
KAST Card: 20
Last reviewed
Holyheld Card: Sep 9, 2026
KAST Card: Oct 14, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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