HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Coinbase One: where the score gap comes from
Holyheld Card has the higher Overall Score by 19 points (75 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202651 official sources reviewed
01 · Where the gap opens
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Coinbase One 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.
OverallHolyheld75Coinbase One56Higher score
CashbackHolyheld64Coinbase One40Compare the details below
TravelHolyheld68Coinbase One60Compare the details below
Funds controlHolyheld74Coinbase One36Compare the details below
Lowest feesHolyheld67Coinbase One58Compare the details below
TransfersHolyheld81Coinbase One24Compare the details below
Choose Holyheld Card if its day-to-day setup suits you
Holyheld 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. Read the side-by-side details before deciding.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One 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. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Holyheld75Coinbase One56
Holyheld Card has the higher Overall Score by 19 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
Holyheld Card has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- Holyheld0.5% base · up to 1%Coinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- HolyheldHybrid custodyCoinbase OneCustodial balance
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.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayCoinbase OneVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferCoinbase One0 stablecoins · Not modeled
Holyheld Card lists more stablecoins and ways to send money out (4 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
- Cashback
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsHolyheld CardOverall75Coinbase One CardOverall56
Holyheld CardOverall75Coinbase One CardOverall56Scores
6 fields- 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 Card58
- Transfers score
- Holyheld Card81Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- 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
2 fields- 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
8 fields- 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
5 fields- 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
3 fields- Base cashback
- Holyheld Card0.5%Coinbase One Card2%
- Max cashback
- Holyheld Card1%Coinbase One Card4%
- Reward currency
- Holyheld CardUSDCCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedCoinbase One CardUp to 3.5% APY
- 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
6 fields- 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
2 fields- Official sources
- Holyheld Card28Coinbase One Card23
- Last reviewed
- Holyheld CardAug 31, 2026Coinbase One CardSep 5, 2026
04 · The verdict
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 56 for Coinbase One Card. Holyheld Card has the lower starting plan cost ($0 vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 0.5%).
Coinbase One Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 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.
Holyheld Card lists more stablecoins and ways to send money out (4 vs 0). 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 Holyheld Card and Coinbase One Card reviews first.
Continue with
Holyheld Card
Continue with
Coinbase One Card
05 · 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 September 5, 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.