Card comparison

Compare cards, side by side

Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.

01 · Build the comparison

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02 · Read the shortlist

Start with the decision essentials

Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.

4 cards in view

Holyheld Card

Metal cardNo CEX

Cashback: 0.5%-1%
Plan cost: $0
Custody: Hybrid
Network: Mastercard

View detailsSelected

Coin98 Fusion Card

No CEXFree base plan

Cashback: 0%
Plan cost: $0
Custody: Hybrid
Network: Visa

View detailsSelected

Bleap Card

No FXSelf-custody

Cashback: 1%-20%
Plan cost: $0
Custody: Self Custody
Network: Mastercard

View detailsSelected

ARQ Card

Metal cardNo CEX

Cashback: 0%-2%
Plan cost: $0
Custody: Custodial
Network: Mastercard

View detailsSelected

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03 · Compare the evidence

Scan every difference, row by row

Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.

Best known Not disclosed

Comparing

1Holyheld Card2Coin98 Fusion Card3Bleap Card4ARQ Card

Scores

6 fields

Overall Score

Holyheld Card

Coin98 Fusion Card

Bleap Card

ARQ Card

Cashback score

Holyheld Card

Coin98 Fusion Card

Bleap Card

ARQ Card

Travel score

Holyheld Card

Coin98 Fusion Card

Bleap Card

100

ARQ Card

Funds control score

Holyheld Card

Coin98 Fusion Card

Bleap Card

100

ARQ Card

Lowest fees score

Holyheld Card

Coin98 Fusion Card

Bleap Card

ARQ Card

Transfers score

Holyheld Card

Coin98 Fusion Card

Bleap Card

100

ARQ Card

Strengths & trade-offs

2 fields

Strengths

Holyheld Card

Self-custody crypto before card top-up, Virtual, physical and metal Mastercard

Coin98 Fusion Card

Virtual Visa with both phone wallets, USDC and USDT top-ups on five networks

Bleap Card

Self-custody with an independent exit, Core card fees are listed at zero

ARQ Card

Clear four-country residence coverage, Virtual, physical and phone-wallet access

Trade-offs

Holyheld Card

Country eligibility is incomplete, Foreign spend can be expensive

Coin98 Fusion Card

Evergreen rewards are not verified, Top-up, FX and ATM fees apply

Bleap Card

Rollout remains account-gated, High cashback is category-specific

ARQ Card

Provider FX spread remains unclear, Headline cashback requires membership

Costs

7 fields

Plan cost

Holyheld Card

Coin98 Fusion Card

Bleap Card

ARQ Card

FX fee

Holyheld Card

Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency

Coin98 Fusion Card

1.7% foreign-currency conversion

Bleap Card

Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply

ARQ Card

Provider spread unknown; Argentina/Brazil variant charges may apply

Top-up fee

Holyheld Card

Coin98 Fusion Card

Bleap Card

SEPA buy processing: 0%; other funding routes can include a spread or external network cost

ARQ Card

Standard receive: 3 USDc for USD/crypto and 3 EURc for EUR

Card spending fee

Holyheld Card

€0.50

Coin98 Fusion Card

Not disclosed

Bleap Card

ARQ Card

ATM fee

Holyheld Card

Up to EUR 2 + 2.5%

Coin98 Fusion Card

1% or SGD 5, whichever is higher, plus any ATM-operator surcharge

Bleap Card

Bleap fee: €0; up to 3 withdrawals and €400 per month; ATM operator surcharge can apply

ARQ Card

1–3%

Virtual card

Holyheld Card

Limited Edition virtual card: EUR 99; Classic includes virtual access

Coin98 Fusion Card

USD 9 issuance/activation fee

Bleap Card

€0

ARQ Card

Free

Physical card

Holyheld Card

Classic: EUR 29; Metal: EUR 199

Coin98 Fusion Card

Not applicable while the physical card is under development

Bleap Card

€0 issuance; shipping not disclosed

ARQ Card

$4.99 Standard; $0 Premium

Plans

2 fields

Available plans

Holyheld Card

3 plans: Classic, Limited Edition, Metal

Coin98 Fusion Card

Not disclosed

Bleap Card

Not disclosed

ARQ Card

3 plans: Standard, Premium, Prestige

Top cashback plan

Holyheld Card

Metal: 1%

Coin98 Fusion Card

Not disclosed

Bleap Card

Not disclosed

ARQ Card

Prestige: 2%

Everyday use

8 fields

Network

Holyheld Card

Mastercard

Coin98 Fusion Card

Visa

Bleap Card

Mastercard

ARQ Card

Mastercard

Card formats

Holyheld Card

Virtual, Physical

Coin98 Fusion Card

Virtual

Bleap Card

Virtual, Physical

ARQ Card

Virtual, Physical

ATM withdrawals

Holyheld Card

Available

Coin98 Fusion Card

Available

Bleap Card

Available

ARQ Card

Available

Mobile wallets

Holyheld Card

Apple Pay, Google Pay

Coin98 Fusion Card

Apple Pay, Google Pay

Bleap Card

Apple Pay, Google Pay

ARQ Card

Apple Pay, Google Pay

Apps

Holyheld Card

iOS, Android, Web

Coin98 Fusion Card

iOS, Android

Bleap Card

iOS, Android

ARQ Card

iOS, Android

Daily spending limit

Holyheld Card

EUR 10,000 daily

Coin98 Fusion Card

No daily card-spend limit published; SGD 200,000 rolling 12-month spending limit

Bleap Card

€15,000/day; €10,000 per transaction

ARQ Card

Not disclosed

Monthly spending limit

Holyheld Card

EUR 25,000 monthly; EUR 250,000 annually

Coin98 Fusion Card

No monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit

Bleap Card

€30,000 rolling month

ARQ Card

Not disclosed

ATM limit

Holyheld Card

EUR 1,000 per 24 hours; EUR 5,000 per 30 days

Coin98 Fusion Card

SGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear

Bleap Card

3 withdrawals and €400 per month

ARQ Card

Not disclosed

Funding & transfers

5 fields

Networks

Holyheld Card

Ethereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2

Coin98 Fusion Card

Ethereum, Solana, Polygon, Base, Tron

Bleap Card

Base, Arbitrum, Solana

ARQ Card

Ethereum, Polygon, Tron

Crypto deposits

Holyheld Card

Stablecoins: USDC, USDT

Coin98 Fusion Card

Stablecoins: USDC, USDT

Bleap Card

Stablecoins: USDC, EURE, USDT

ARQ Card

Stablecoins: USDC, USDT

Fiat deposits

Holyheld Card

Personal EUR IBAN

Coin98 Fusion Card

Not disclosed

Bleap Card

Manual bank transfer

ARQ Card

USD receive, EUR receive

Transfers

Holyheld Card

Stablecoin transfers; Outgoing SEPA transfer

Coin98 Fusion Card

Not disclosed

Bleap Card

Stablecoin transfers; Bank transfer in, Bank cash-out

ARQ Card

ARQ P2P; USD ACH payout

Payout currencies

Holyheld Card

EUR

Coin98 Fusion Card

Not disclosed

Bleap Card

EUR, MXN

ARQ Card

USD

Rewards

3 fields

Base cashback

Holyheld Card

0.5%

Coin98 Fusion Card

Bleap Card

ARQ Card

Max cashback

Holyheld Card

Coin98 Fusion Card

Bleap Card

20%

ARQ Card

Reward currency

Holyheld Card

USDC

Coin98 Fusion Card

Not applicable

Bleap Card

USDC

ARQ Card

USDc cashback

Earn

5 fields

Advertised APY

Holyheld Card

Not disclosed

Coin98 Fusion Card

Not offered

Bleap Card

Not disclosed

ARQ Card

Up to 4.5% APY

How it works

Holyheld Card

Optional earn vault

Coin98 Fusion Card

Not offered

Bleap Card

Optional earn vault

ARQ Card

Earn on spending balance, Optional earn vault

Separate deposit

Holyheld Card

Yes

Coin98 Fusion Card

Not offered

Bleap Card

Yes

ARQ Card

Yes

Use balance for spending

Holyheld Card

Not disclosed

Coin98 Fusion Card

Not offered

Bleap Card

Not disclosed

ARQ Card

Lock-up

Holyheld Card

Coin98 Fusion Card

Not offered

Bleap Card

ARQ Card

Trust & availability

5 fields

Custody

Holyheld Card

Hybrid custody

Coin98 Fusion Card

Hybrid custody

Bleap Card

Self-custody

ARQ Card

Custodial

Control until payment

Holyheld Card

Provider controls funds

Coin98 Fusion Card

Provider controls funds

Bleap Card

You keep control

ARQ Card

Provider controls funds

Card issuer

Holyheld Card

Unlimit EU Ltd

Coin98 Fusion Card

DCS Card Centre Pte. Ltd.

Bleap Card

Unlimit EU Ltd

ARQ Card

Not disclosed

Identity verification

Holyheld Card

Sumsub / Idenfy

Coin98 Fusion Card

Not disclosed

Bleap Card

Not disclosed

ARQ Card

Not disclosed

Programme operator

Holyheld Card

Holyheld Labs AG

Coin98 Fusion Card

Not disclosed

Bleap Card

Not disclosed

ARQ Card

Not disclosed

Sources

2 fields

Official sources

Holyheld Card

Coin98 Fusion Card

Bleap Card

ARQ Card

Last reviewed

Holyheld Card

Aug 5, 2026

Coin98 Fusion Card

Aug 5, 2026

Bleap Card

Aug 5, 2026

ARQ Card

Aug 5, 2026

Cards

Holyheld CardOverall75

Coin98 Fusion CardOverall60

Bleap CardOverall92

ARQ CardOverall64

Scores

6 fields

Overall Score: Holyheld Card:
75
Coin98 Fusion Card:
60
Bleap Card:
92
ARQ Card:
64

Cashback score: Holyheld Card:
64
Coin98 Fusion Card:
17
Bleap Card:
74
ARQ Card:
41

Travel score: Holyheld Card:
68
Coin98 Fusion Card:
65
Bleap Card:
100
ARQ Card:
62

Funds control score: Holyheld Card:
74
Coin98 Fusion Card:
64
Bleap Card:
100
ARQ Card:
52

Lowest fees score: Holyheld Card:
70
Coin98 Fusion Card:
75
Bleap Card:
94
ARQ Card:
33

Transfers score: Holyheld Card:
81
Coin98 Fusion Card:
39
Bleap Card:
100
ARQ Card:
75

Strengths & trade-offs

2 fields

Strengths: Holyheld Card:
Self-custody crypto before card top-up, Virtual, physical and metal Mastercard
Coin98 Fusion Card:
Virtual Visa with both phone wallets, USDC and USDT top-ups on five networks
Bleap Card:
Self-custody with an independent exit, Core card fees are listed at zero
ARQ Card:
Clear four-country residence coverage, Virtual, physical and phone-wallet access

Trade-offs: Holyheld Card:
Country eligibility is incomplete, Foreign spend can be expensive
Coin98 Fusion Card:
Evergreen rewards are not verified, Top-up, FX and ATM fees apply
Bleap Card:
Rollout remains account-gated, High cashback is category-specific
ARQ Card:
Provider FX spread remains unclear, Headline cashback requires membership

Costs

7 fields

Plan cost: Holyheld Card:
$0
Coin98 Fusion Card:
$0
Bleap Card:
$0
ARQ Card:
$0

FX fee: Holyheld Card:
Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
Coin98 Fusion Card:
1.7% foreign-currency conversion
Bleap Card:
Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply
ARQ Card:
Provider spread unknown; Argentina/Brazil variant charges may apply

Top-up fee: Holyheld Card:
0%
Coin98 Fusion Card:
1%
Bleap Card:
SEPA buy processing: 0%; other funding routes can include a spread or external network cost
ARQ Card:
Standard receive: 3 USDc for USD/crypto and 3 EURc for EUR

Card spending fee: Holyheld Card:
€0.50
Coin98 Fusion Card:
Not disclosed
Bleap Card:
0%
ARQ Card:
0%

ATM fee: Holyheld Card:
Up to EUR 2 + 2.5%
Coin98 Fusion Card:
1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
Bleap Card:
Bleap fee: €0; up to 3 withdrawals and €400 per month; ATM operator surcharge can apply
ARQ Card:
1–3%

Virtual card: Holyheld Card:
Limited Edition virtual card: EUR 99; Classic includes virtual access
Coin98 Fusion Card:
USD 9 issuance/activation fee
Bleap Card:
€0
ARQ Card:
Free

Physical card: Holyheld Card:
Classic: EUR 29; Metal: EUR 199
Coin98 Fusion Card:
Not applicable while the physical card is under development
Bleap Card:
€0 issuance; shipping not disclosed
ARQ Card:
$4.99 Standard; $0 Premium

Plans

2 fields

Available plans: Holyheld Card:
3 plans: Classic, Limited Edition, Metal
Coin98 Fusion Card:
Not disclosed
Bleap Card:
Not disclosed
ARQ Card:
3 plans: Standard, Premium, Prestige

Top cashback plan: Holyheld Card:
Metal: 1%
Coin98 Fusion Card:
Not disclosed
Bleap Card:
Not disclosed
ARQ Card:
Prestige: 2%

Everyday use

8 fields

Network: Holyheld Card:
Mastercard
Coin98 Fusion Card:
Visa
Bleap Card:
Mastercard
ARQ Card:
Mastercard

Card formats: Holyheld Card:
Virtual, Physical
Coin98 Fusion Card:
Virtual
Bleap Card:
Virtual, Physical
ARQ Card:
Virtual, Physical

ATM withdrawals: Holyheld Card:
Available
Coin98 Fusion Card:
Available
Bleap Card:
Available
ARQ Card:
Available

Mobile wallets: Holyheld Card:
Apple Pay, Google Pay
Coin98 Fusion Card:
Apple Pay, Google Pay
Bleap Card:
Apple Pay, Google Pay
ARQ Card:
Apple Pay, Google Pay

Apps: Holyheld Card:
iOS, Android, Web
Coin98 Fusion Card:
iOS, Android
Bleap Card:
iOS, Android
ARQ Card:
iOS, Android

Daily spending limit: Holyheld Card:
EUR 10,000 daily
Coin98 Fusion Card:
No daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
Bleap Card:
€15,000/day; €10,000 per transaction
ARQ Card:
Not disclosed

Monthly spending limit: Holyheld Card:
EUR 25,000 monthly; EUR 250,000 annually
Coin98 Fusion Card:
No monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
Bleap Card:
€30,000 rolling month
ARQ Card:
Not disclosed

ATM limit: Holyheld Card:
EUR 1,000 per 24 hours; EUR 5,000 per 30 days
Coin98 Fusion Card:
SGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Bleap Card:
3 withdrawals and €400 per month
ARQ Card:
Not disclosed

Funding & transfers

5 fields

Networks: Holyheld Card:
Ethereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
Coin98 Fusion Card:
Ethereum, Solana, Polygon, Base, Tron
Bleap Card:
Base, Arbitrum, Solana
ARQ Card:
Ethereum, Polygon, Tron

Crypto deposits: Holyheld Card:
Stablecoins: USDC, USDT
Coin98 Fusion Card:
Stablecoins: USDC, USDT
Bleap Card:
Stablecoins: USDC, EURE, USDT
ARQ Card:
Stablecoins: USDC, USDT

Fiat deposits: Holyheld Card:
Personal EUR IBAN
Coin98 Fusion Card:
Not disclosed
Bleap Card:
Manual bank transfer
ARQ Card:
USD receive, EUR receive

Transfers: Holyheld Card:
Stablecoin transfers; Outgoing SEPA transfer
Coin98 Fusion Card:
Not disclosed
Bleap Card:
Stablecoin transfers; Bank transfer in, Bank cash-out
ARQ Card:
ARQ P2P; USD ACH payout

Payout currencies: Holyheld Card:
EUR
Coin98 Fusion Card:
Not disclosed
Bleap Card:
EUR, MXN
ARQ Card:
USD

Rewards

3 fields

Base cashback: Holyheld Card:
0.5%
Coin98 Fusion Card:
0%
Bleap Card:
1%
ARQ Card:
0%

Max cashback: Holyheld Card:
1%
Coin98 Fusion Card:
0%
Bleap Card:
20%
ARQ Card:
2%

Reward currency: Holyheld Card:
USDC
Coin98 Fusion Card:
Not applicable
Bleap Card:
USDC
ARQ Card:
USDc cashback

Earn

5 fields

Advertised APY: Holyheld Card:
Not disclosed
Coin98 Fusion Card:
Not offered
Bleap Card:
Not disclosed
ARQ Card:
Up to 4.5% APY

How it works: Holyheld Card:
Optional earn vault
Coin98 Fusion Card:
Not offered
Bleap Card:
Optional earn vault
ARQ Card:
Earn on spending balance, Optional earn vault

Separate deposit: Holyheld Card:
Yes
Coin98 Fusion Card:
Not offered
Bleap Card:
Yes
ARQ Card:
Yes

Use balance for spending: Holyheld Card:
Not disclosed
Coin98 Fusion Card:
Not offered
Bleap Card:
Not disclosed
ARQ Card:
No

Lock-up: Holyheld Card:
No
Coin98 Fusion Card:
Not offered
Bleap Card:
No
ARQ Card:
No

Trust & availability

5 fields

Custody: Holyheld Card:
Hybrid custody
Coin98 Fusion Card:
Hybrid custody
Bleap Card:
Self-custody
ARQ Card:
Custodial

Control until payment: Holyheld Card:
Provider controls funds
Coin98 Fusion Card:
Provider controls funds
Bleap Card:
You keep control
ARQ Card:
Provider controls funds

Card issuer: Holyheld Card:
Unlimit EU Ltd
Coin98 Fusion Card:
DCS Card Centre Pte. Ltd.
Bleap Card:
Unlimit EU Ltd
ARQ Card:
Not disclosed

Identity verification: Holyheld Card:
Sumsub / Idenfy
Coin98 Fusion Card:
Not disclosed
Bleap Card:
Not disclosed
ARQ Card:
Not disclosed

Programme operator: Holyheld Card:
Holyheld Labs AG
Coin98 Fusion Card:
Not disclosed
Bleap Card:
Not disclosed
ARQ Card:
Not disclosed

Sources

2 fields

Official sources: Holyheld Card:
28
Coin98 Fusion Card:
23
Bleap Card:
27
ARQ Card:
36

Last reviewed: Holyheld Card:
Aug 5, 2026
Coin98 Fusion Card:
Aug 5, 2026
Bleap Card:
Aug 5, 2026
ARQ Card:
Aug 5, 2026

Use the comparison

Choose the trade-offs you can live with

Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.

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