HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs ether.fi Cash: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 12 points (87 vs 75). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Holyheld Card may still be the better personal fit.
Information checked Aug 25, 202647 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Holyheld 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.
OverallHolyheld75ether.fi Cash87Higher score
CashbackHolyheld64ether.fi Cash86Higher score
TravelHolyheld68ether.fi Cash84Higher score
Funds controlHolyheld74ether.fi Cash96Higher score
Lowest feesHolyheld67ether.fi Cash69Higher score
TransfersHolyheld81ether.fi Cash97Higher score
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. 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.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
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
- Holyheld75ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXether.fi Cash$0 plan · 0–0.2% FX
ether.fi Cash Card has the lower published FX fee (0–0.2% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%ether.fi Cash3% cashback
ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%).
- Funds control
- HolyheldHybrid custodyether.fi CashNon-custodial account
Holyheld Card uses a hybrid custody setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google Payether.fi CashVirtual + 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 transferether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 4).
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%-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
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 crypto · 2 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsHolyheld CardOverall75ether.fi Cash CardOverall87
Holyheld CardOverall75ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Holyheld Card75ether.fi Cash Card87
- Cashback score
- Holyheld Card64ether.fi Cash Card86
- Travel score
- Holyheld Card68ether.fi Cash Card84
- Funds control score
- Holyheld Card74ether.fi Cash Card96
- Lowest fees score
- Holyheld Card67ether.fi Cash Card69
- Transfers score
- Holyheld Card81ether.fi Cash Card97
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercardether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- Holyheld Card$0ether.fi Cash Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyether.fi Cash Card0–0.2%
- Top-up fee
- Holyheld Card0%ether.fi Cash CardNot disclosed
- Card spending fee
- Holyheld Card€0.50ether.fi Cash CardNot disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%ether.fi Cash Card2%
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199ether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical card
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, Metalether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Holyheld CardMetal: 1%ether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- Holyheld CardMastercardether.fi Cash CardVisa
- Card formats
- Holyheld CardVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, Webether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Holyheld CardEUR 10,000 dailyether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2ether.fi Cash CardOptimism
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Holyheld CardPersonal EUR IBANether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Holyheld CardEURether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Holyheld Card0.5%ether.fi Cash Card3%
- Max cashback
- Holyheld Card1%ether.fi Cash Card3%
- Reward currency
- Holyheld CardUSDCether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedether.fi Cash CardUp to 5.02% APY
- How it works
- Holyheld CardOptional earn vaultether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Holyheld CardYesether.fi Cash CardNot disclosed
- Use balance for spending
- Holyheld CardNot disclosedether.fi Cash CardNot disclosed
- Lock-up
- Holyheld CardNoether.fi Cash CardNot disclosed
Trust & availability
6 fields- Custody
- Holyheld CardHybrid custodyether.fi Cash CardNon-custodial
- Control until payment
- Holyheld CardProvider controls fundsether.fi Cash CardYou keep control
- Card issuer
- Holyheld CardUnlimit EU Ltdether.fi Cash CardThird National
- Deposits & withdrawals
- Holyheld CardNot disclosedether.fi Cash CardSEPA third-party provider
- Identity verification
- Holyheld CardSumsub / Idenfyether.fi Cash CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Holyheld Card28ether.fi Cash Card19
- Last reviewed
- Holyheld CardAug 12, 2026ether.fi Cash CardAug 25, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 versus 75 for Holyheld Card. ether.fi Cash Card has the lower published FX fee (0–0.2% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%).
Holyheld 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 ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 4). 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 ether.fi Cash Card reviews first.
Continue with
Holyheld Card
Continue with
ether.fi Cash Card
05 · Common questions
Holyheld vs ether.fi Cash FAQ
Is Holyheld or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 75). 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 ether.fi Cash?
ether.fi Cash Card has the lower published FX fee (0–0.2% 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, Holyheld or ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% 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 ether.fi Cash differ on custody?
Holyheld Card uses a hybrid custody setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs ether.fi Cash comparison?
The latest information check for these two cards was August 25, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.