HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Exa: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 9 points (75 vs 66). Holyheld Card looks stronger for Cashback and Travel, while Exa Card comes out ahead for Funds control and Transfers.
Information checked Aug 23, 202659 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Exa Card may be the better fit for Funds control and Transfers. 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.
OverallHolyheld75Exa66Higher score
CashbackHolyheld64Exa19Higher score
TravelHolyheld68Exa61Higher score
Funds controlHolyheld74Exa88Higher score
Lowest feesHolyheld67Exa67Same score
TransfersHolyheld81Exa97Higher score
Choose Holyheld Card if cashback and travel matter most
Holyheld Card comes out ahead for Cashback and Travel 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
Choose Exa Card if funds control and transfers matter most
Exa Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Holyheld75Exa66
Holyheld Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXExa$0 plan · 1.5% FX
Exa Card has the lower published FX fee (1.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%Exa0% cashback
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- HolyheldHybrid custodyExaSelf-controlled wallet
Holyheld Card uses a hybrid custody setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Exa Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- 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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsHolyheld CardOverall75Exa CardOverall66
Holyheld CardOverall75Exa CardOverall66Scores
6 fields- Overall Score
- Holyheld Card75Exa Card66
- Cashback score
- Holyheld Card64Exa Card19
- Travel score
- Holyheld Card68Exa Card61
- Funds control score
- Holyheld Card74Exa Card88
- Lowest fees score
- Holyheld Card67Exa Card67
- Transfers score
- Holyheld Card81Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Holyheld Card$0Exa Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyExa Card1.5%
- Top-up fee
- Holyheld Card0%Exa Card1%
- Card spending fee
- Holyheld Card€0.50Exa CardNot disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Exa Card$1 + 0.65%
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessExa CardFree with Exa Wallet
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Exa CardNot available
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalExa CardNot disclosed
- Top cashback plan
- Holyheld CardMetal: 1%Exa CardNot disclosed
Everyday use
8 fields- Network
- Holyheld CardMastercardExa CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalExa CardVirtual
- ATM withdrawals
- Holyheld CardAvailableExa CardAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebExa CardiOS, Android, Web
- Daily spending limit
- Holyheld CardEUR 10,000 dailyExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Exa CardOptimism
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Holyheld CardPersonal EUR IBANExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Holyheld CardEURExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Exa Card0%
- Max cashback
- Holyheld Card1%Exa Card0%
- Reward currency
- Holyheld CardUSDCExa CardNo cashback
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedExa CardUp to 0.99776% APY
- How it works
- Holyheld CardOptional earn vaultExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Holyheld CardYesExa CardNo
- Use balance for spending
- Holyheld CardNot disclosedExa CardYes
- Lock-up
- Holyheld CardNoExa CardNo
Trust & availability
7 fields- Custody
- Holyheld CardHybrid custodyExa CardSelf-custody
- Control until payment
- Holyheld CardProvider controls fundsExa CardYou keep control
- Card issuer
- Holyheld CardUnlimit EU LtdExa CardThird National Bank, Third National
- Card processing
- Holyheld CardNot disclosedExa CardExa Labs SAS
- Deposits & withdrawals
- Holyheld CardNot disclosedExa CardBridge, Manteca
- Identity verification
- Holyheld CardSumsub / IdenfyExa CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGExa CardExa Labs SAS
Sources
2 fields- Official sources
- Holyheld Card28Exa Card31
- Last reviewed
- Holyheld CardAug 12, 2026Exa CardAug 23, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 66 for Exa Card. Exa Card has the lower published FX fee (1.5% 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%).
Exa Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Holyheld Card uses a hybrid custody setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Exa Card lists more stablecoins and ways to send money out (5 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 Exa Card reviews first.
Continue with
Holyheld Card
Continue with
Exa Card
05 · Common questions
Holyheld vs Exa FAQ
Is Holyheld or Exa better overall?
Holyheld Card has the higher Overall Score (75 vs 66). 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 Exa?
Exa Card has the lower published FX fee (1.5% 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 Exa?
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 Holyheld and Exa differ on custody?
Holyheld Card uses a hybrid custody setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 59 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.