77
Visa / MCLow FX
- Cashback
- 0% base
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard/Visa
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 scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
64
Metal cardNo CEX
- Cashback
- 0%-2%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
Metal cardNo CEX
- Cashback
- 0.5%-1%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Mastercard
BTC depositsCrypto-native
- Cashback
- 0.5%-2%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
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
Cards
ZEN CardOverall77
ARQ CardOverall64
Holyheld CardOverall75
Nexo CardOverall65
ZEN CardOverall77ARQ CardOverall64Holyheld CardOverall75Nexo CardOverall65Scores
6 fields- Overall Score
- ZEN Card77ARQ Card64Holyheld Card75Nexo Card65
- Cashback score
- ZEN Card39ARQ Card41Holyheld Card64Nexo Card41
- Travel score
- ZEN Card96ARQ Card62Holyheld Card68Nexo Card65
- Funds control score
- ZEN Card65ARQ Card52Holyheld Card74Nexo Card52
- Lowest fees score
- ZEN Card80ARQ Card52Holyheld Card67Nexo Card57
- Transfers score
- ZEN Card98ARQ Card75Holyheld Card81Nexo Card91
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardNexo CardChoose debit spend or credit-line use, No base monthly or annual card fee
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateARQ CardProvider FX spread remains unclear, Headline cashback requires membershipHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveNexo CardSpending follows the Nexo account model, Credit Mode adds collateral risk
Costs
7 fields- Plan cost
- ZEN Card$0ARQ Card$0Holyheld Card$0Nexo Card$0
- FX fee
- ZEN Card0–0.5%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyNexo Card0.2–2.5%
- Top-up fee
- ZEN Card0–3%ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURHolyheld Card0%Nexo CardNot disclosed
- Card spending fee
- ZEN Card0%ARQ Card0%Holyheld Card€0.50Nexo CardNot disclosed
- ATM fee
- ZEN Card0–1.5%ARQ Card1–3%Holyheld CardUp to EUR 2 + 2.5%Nexo Card0–2%; minimum 1.99 EUR/GBP
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5ARQ CardFreeHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessNexo CardAvailable from $50 account balance
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10ARQ Card$4.99 Standard; $0 PremiumHolyheld CardClassic: EUR 29; Metal: EUR 199Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tier
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProARQ Card3 plans: Standard, Premium, PrestigeHolyheld Card3 plans: Classic, Limited Edition, MetalNexo Card4 plans: Base, Silver, Gold, Platinum
- Top cashback plan
- ZEN CardFree: 0%ARQ CardPrestige: 2%Holyheld CardMetal: 1%Nexo CardPlatinum: 2%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaARQ CardMastercardHolyheld CardMastercardNexo CardMastercard
- Card formats
- ZEN CardVirtual, PhysicalARQ CardVirtual, PhysicalHolyheld CardVirtual, PhysicalNexo CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableARQ CardAvailableHolyheld CardAvailableNexo CardAvailable
- Mobile wallets
- ZEN CardApple Pay, Google PayARQ CardApple Pay, Google PayHolyheld CardApple Pay, Google PayNexo CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebARQ CardiOS, AndroidHolyheld CardiOS, Android, WebNexo CardiOS, Android, Web
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)ARQ CardNot disclosedHolyheld CardEUR 10,000 dailyNexo Card€10,000 / £9,000/day; €10,000 / £9,000/transaction
- Monthly spending limit
- ZEN CardNot publicly confirmedARQ CardNot disclosedHolyheld CardEUR 25,000 monthly; EUR 250,000 annuallyNexo Card€60,000 / £54,000/month
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)ARQ CardNot disclosedHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysNexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/month
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedARQ CardEthereum, Polygon, TronHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Nexo CardNot disclosed
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHARQ CardStablecoins: USDC, USDTHolyheld CardStablecoins: USDC, USDTNexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upARQ CardUSD receive, EUR receiveHolyheld CardPersonal EUR IBANNexo CardNexo account bank deposit
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersARQ CardARQ P2P; USD ACH payoutHolyheld CardStablecoin transfers; Outgoing SEPA transferNexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawal
- Payout currencies
- ZEN CardEURARQ CardUSDHolyheld CardEURNexo CardEUR, GBP, USD
Rewards
3 fields- Base cashback
- ZEN Card0%ARQ Card0%Holyheld Card0.5%Nexo Card0.5%
- Max cashback
- ZEN CardNot disclosedARQ Card2%Holyheld Card1%Nexo Card2%
- Reward currency
- ZEN CardTransaction currencyARQ CardUSDc cashbackHolyheld CardUSDCNexo CardNEXO Tokens or BTC cashback
Earn
5 fields- Advertised APY
- ZEN CardNot offeredARQ CardUp to 4.5% APYHolyheld CardNot disclosedNexo CardUp to 13% APY
- How it works
- ZEN CardNot offeredARQ CardEarn on spending balance, Optional earn vaultHolyheld CardOptional earn vaultNexo CardEarn on spending balance
- Separate deposit
- ZEN CardNot offeredARQ CardYesHolyheld CardYesNexo CardNot disclosed
- Use balance for spending
- ZEN CardNot offeredARQ CardNoHolyheld CardNot disclosedNexo CardYes
- Lock-up
- ZEN CardNot offeredARQ CardNoHolyheld CardNoNexo CardNo
Trust & availability
6 fields- Custody
- ZEN CardCustodialARQ CardCustodialHolyheld CardHybrid custodyNexo CardCustodial
- Control until payment
- ZEN CardProvider controls fundsARQ CardProvider controls fundsHolyheld CardProvider controls fundsNexo CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMARQ CardNot disclosedHolyheld CardUnlimit EU LtdNexo CardDiPocket UAB
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCARQ CardNot disclosedHolyheld CardNot disclosedNexo CardNot disclosed
- Identity verification
- ZEN CardNot disclosedARQ CardNot disclosedHolyheld CardSumsub / IdenfyNexo CardNot disclosed
- Programme operator
- ZEN CardNot disclosedARQ CardNot disclosedHolyheld CardHolyheld Labs AGNexo CardNexo Services Sp. z o.o.
Sources
2 fields- Official sources
- ZEN Card43ARQ Card36Holyheld Card28Nexo Card13
- Last reviewed
- ZEN CardAug 23, 2026ARQ CardAug 5, 2026Holyheld CardAug 12, 2026Nexo CardAug 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.