HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Coinbase One
Holyheld Card has the higher Overall Score by 19 points (75 vs 56). Holyheld Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase One Card may still be the better personal fit.
Latest check Oct 11, 202651 official sources reviewed
Holyheld Card
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.
- Buying a card once without a recurring paid membership or token lock.
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.
- New personal applications need an invitation and individual approval.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsHolyheld CardOverall75Coinbase One CardOverall56
Holyheld CardOverall75Coinbase One CardOverall56Scores
- Overall Score
- Holyheld Card75Coinbase One Card56
- Cashback score
- Holyheld Card64Coinbase One Card40
- Travel score
- Holyheld Card68Coinbase One Card60
- Funds control score
- Holyheld Card74Coinbase One Card36
- Lowest fees score
- Holyheld Card67Coinbase One Card40
- Transfers score
- Holyheld Card81Coinbase One Card24
Costs
- Plan cost
- Holyheld Card$0Coinbase One Card$49.99/year
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyCoinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Holyheld Card0%Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Holyheld Card€0.50Coinbase One CardNot disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessCoinbase One CardNot disclosed
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Coinbase One CardNot disclosed
Plans
- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Holyheld CardMetal: 1%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- Holyheld CardMastercardCoinbase One CardAmerican Express
- Card formats
- Holyheld CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Holyheld CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebCoinbase One CardiOS, Android, Web
- Daily spending limit
- Holyheld CardEUR 10,000 dailyCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Coinbase One CardNot disclosed
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTCoinbase One CardNot disclosed
- Fiat deposits
- Holyheld CardPersonal EUR IBANCoinbase One CardNot disclosed
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferCoinbase One CardNot disclosed
- Payout currencies
- Holyheld CardEURCoinbase One CardNot disclosed
Rewards
- Base cashback
- Holyheld Card0.5%Coinbase One Card2%
- Max cashback
- Holyheld Card1%Coinbase One Card4%
- Reward currency
- Holyheld CardUSDCCoinbase One CardBitcoin
Earn
- Advertised APY
- Holyheld CardNot disclosedCoinbase One CardNot disclosed
- How it works
- Holyheld CardOptional earn vaultCoinbase One CardBorrow against collateral
- Separate deposit
- Holyheld CardYesCoinbase One CardNo
- Use balance for spending
- Holyheld CardNot disclosedCoinbase One CardNo
- Lock-up
- Holyheld CardNoCoinbase One CardYes
Trust & availability
- Custody
- Holyheld CardHybrid custodyCoinbase One CardCustodial
- Control until payment
- Holyheld CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdCoinbase One CardFirst Electronic Bank
- Custody / key management
- Holyheld CardNot disclosedCoinbase One CardCoinbase, Inc.
- Identity verification
- Holyheld CardSumsub / IdenfyCoinbase One CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGCoinbase One CardNot disclosed
Sources
- Official sources
- Holyheld Card28Coinbase One Card23
- Last reviewed
- Holyheld CardSep 9, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Holyheld or Coinbase One
How you receive rewards
Choose by the reward asset you want to receive: Holyheld lists USDC; Coinbase One lists Bitcoin. For Holyheld: USDC cashback becomes claimable after 30 days; it is not immediately spendable.
Keeping recurring costs down
Holyheld's base plan is $0, compared with $49.99/year for Coinbase One. This favours Holyheld for occasional use; card issuance and transaction fees are separate.
Spending in foreign currencies
For FX on foreign-currency purchases, Holyheld lists Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency, versus 0% foreign transaction fee; Amex conversion rates remain separate at Coinbase One. Use the tariff for your country and plan; conversion fees can add to these figures.
Common questions
Holyheld vs Coinbase One FAQ
Is Holyheld or Coinbase One better overall?
Holyheld Card has the higher Overall Score (75 vs 56). 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, Holyheld or Coinbase One?
Holyheld Card has the lower starting plan cost ($0 vs $49.99/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Holyheld or Coinbase One?
Coinbase One Card has the higher published base cashback rate (2% 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 Holyheld and Coinbase One differ on custody?
Holyheld Card uses a hybrid custody setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs Coinbase One comparison?
The latest information check for these two cards was October 11, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.