Crypto.comCrypto.com Prepaid
57
Side-by-side card comparison
Crypto.com Prepaid vs Holyheld: fees, rewards and account setup
Holyheld Card has the higher Overall Score by 18 points (75 vs 57). Holyheld Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Crypto.com Prepaid Card may still be the better personal fit.
Information checked Aug 14, 202642 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. Crypto.com Prepaid 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.
OverallCrypto.com Prepaid57Holyheld75Higher score
CashbackCrypto.com Prepaid31Holyheld64Higher score
TravelCrypto.com Prepaid57Holyheld68Higher score
Funds controlCrypto.com Prepaid40Holyheld74Higher score
Lowest feesCrypto.com Prepaid48Holyheld67Higher score
TransfersCrypto.com Prepaid47Holyheld81Higher score
Choose Crypto.com Prepaid Card if its day-to-day setup suits you
Crypto.com Prepaid 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.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
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
- Crypto.com Prepaid57Holyheld75
Holyheld Card has the higher Overall Score by 18 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
Crypto.com Prepaid Card has the lower published FX fee (0–3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%Holyheld0.5% base · up to 1%
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Crypto.com PrepaidCustodial balanceHolyheldHybrid custody
Crypto.com Prepaid 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
- Crypto.com PrepaidVirtual + 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
- Crypto.com Prepaid0 stablecoins · US card-to-card sendHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
Holyheld Card lists more stablecoins and ways to send money out (4 vs 1).
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
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 0 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
CardsCrypto.com Prepaid CardOverall57Holyheld CardOverall75
Crypto.com Prepaid CardOverall57Holyheld CardOverall75Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57Holyheld Card75
- Cashback score
- Crypto.com Prepaid Card31Holyheld Card64
- Travel score
- Crypto.com Prepaid Card57Holyheld Card68
- Funds control score
- Crypto.com Prepaid Card40Holyheld Card74
- Lowest fees score
- Crypto.com Prepaid Card48Holyheld Card67
- Transfers score
- Crypto.com Prepaid Card47Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0Holyheld Card$0
- FX fee
- Crypto.com Prepaid Card0–3%Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Crypto.com Prepaid Card2.99%Holyheld Card0%
- Card spending fee
- Crypto.com Prepaid CardNot disclosedHolyheld Card€0.50
- ATM fee
- Crypto.com Prepaid Card0–2%Holyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Holyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Holyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Holyheld CardMetal: 1%
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardHolyheld CardMastercard
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- Crypto.com Prepaid CardAvailableHolyheld CardAvailable
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upHolyheld CardPersonal EUR IBAN
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Crypto.com Prepaid CardNot disclosedHolyheld CardEUR
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%Holyheld Card0.5%
- Max cashback
- Crypto.com Prepaid Card5%Holyheld Card1%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredHolyheld CardNot disclosed
- How it works
- Crypto.com Prepaid CardNot offeredHolyheld CardOptional earn vault
- Separate deposit
- Crypto.com Prepaid CardNot offeredHolyheld CardYes
- Use balance for spending
- Crypto.com Prepaid CardNot offeredHolyheld CardNot disclosed
- Lock-up
- Crypto.com Prepaid CardNot offeredHolyheld CardNo
Trust & availability
5 fields- Custody
- Crypto.com Prepaid CardCustodialHolyheld CardHybrid custody
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsHolyheld CardProvider controls funds
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Holyheld CardUnlimit EU Ltd
- Identity verification
- Crypto.com Prepaid CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Holyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14Holyheld Card28
- Last reviewed
- Crypto.com Prepaid CardAug 14, 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 57 for Crypto.com Prepaid Card. Crypto.com Prepaid Card has the lower published FX fee (0–3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
Crypto.com Prepaid Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Crypto.com Prepaid 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.
Holyheld Card lists more stablecoins and ways to send money out (4 vs 1). 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 Crypto.com Prepaid Card and Holyheld Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
Holyheld Card
05 · Common questions
Crypto.com Prepaid vs Holyheld FAQ
Is Crypto.com Prepaid or Holyheld better overall?
Holyheld Card has the higher Overall Score (75 vs 57). 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, Crypto.com Prepaid or Holyheld?
Crypto.com Prepaid Card has the lower published FX fee (0–3% 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, Crypto.com Prepaid 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 Crypto.com Prepaid and Holyheld differ on custody?
Crypto.com Prepaid 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 Crypto.com Prepaid vs Holyheld comparison?
The latest information check for these two cards was August 14, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.