HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Fuse: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 1 point (75 vs 74). Holyheld Card looks stronger for Cashback and Travel, while Fuse Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Aug 12, 202643 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. Fuse Card may be the better fit for Funds control, Lowest fees, 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.
OverallHolyheld75Fuse74Higher score
CashbackHolyheld64Fuse25Higher score
TravelHolyheld68Fuse65Higher score
Funds controlHolyheld74Fuse91Higher score
Lowest feesHolyheld67Fuse93Higher score
TransfersHolyheld81Fuse97Higher 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 Fuse Card if funds control and lowest fees matter most
Fuse Card comes out ahead for 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.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive rails
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
- Holyheld75Fuse74
Holyheld Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXFuse$0 plan · 0% FX
Fuse Card has the lower published FX fee (0% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%Fuse0% cashback
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- HolyheldHybrid custodyFuseSelf-controlled wallet
Holyheld Card uses a hybrid custody setup, while Fuse 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 PayFuseVirtual · Apple Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferFuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank transfers
Holyheld Card lists more stablecoins and ways to send money out (4 vs 3).
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
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 3 crypto · 2 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 CardOverall75Fuse CardOverall74
Holyheld CardOverall75Fuse CardOverall74Scores
6 fields- Overall Score
- Holyheld Card75Fuse Card74
- Cashback score
- Holyheld Card64Fuse Card25
- Travel score
- Holyheld Card68Fuse Card65
- Funds control score
- Holyheld Card74Fuse Card91
- Lowest fees score
- Holyheld Card67Fuse Card93
- Transfers score
- Holyheld Card81Fuse Card97
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardFuse CardSeparate USDC Card Account, Apple Pay for in-person spend
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveFuse CardiOS and virtual-only access, Receive rails convert incoming fiat
Costs
7 fields- Plan cost
- Holyheld Card$0Fuse Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyFuse Card0%
- Top-up fee
- Holyheld Card0%Fuse Card0%
- Card spending fee
- Holyheld Card€0.50Fuse Card0%
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Fuse CardNot available
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessFuse CardVirtual card purchase $0 after Bridge KYC
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Fuse CardNot available in captured Fuse support page
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalFuse Card1 plans: Fuse Plus
- Top cashback plan
- Holyheld CardMetal: 1%Fuse CardNot disclosed
Everyday use
8 fields- Network
- Holyheld CardMastercardFuse CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalFuse CardVirtual
- ATM withdrawals
- Holyheld CardAvailableFuse CardNot available
- Mobile wallets
- Holyheld CardApple Pay, Google PayFuse CardApple Pay
- Apps
- Holyheld CardiOS, Android, WebFuse CardiOS
- Daily spending limit
- Holyheld CardEUR 10,000 dailyFuse Card$2,000/day; $2,000/transaction
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyFuse CardMonthly cap not disclosed; daily and transaction caps are approved
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysFuse CardNot available
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Fuse CardSolana
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTFuse CardStablecoins: USDC; Other crypto: SOL, SPL tokens
- Fiat deposits
- Holyheld CardPersonal EUR IBANFuse CardUSD virtual bank account, EUR virtual bank account
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferFuse CardStablecoin transfers; ACH / SEPA bank transfers
- Payout currencies
- Holyheld CardEURFuse CardUSD, EUR
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Fuse Card0%
- Max cashback
- Holyheld Card1%Fuse Card0%
- Reward currency
- Holyheld CardUSDCFuse CardNo cashback
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedFuse CardNot disclosed
- How it works
- Holyheld CardOptional earn vaultFuse CardOptional earn vault
- Separate deposit
- Holyheld CardYesFuse CardYes
- Use balance for spending
- Holyheld CardNot disclosedFuse CardNo
- Lock-up
- Holyheld CardNoFuse CardNot disclosed
Trust & availability
6 fields- Custody
- Holyheld CardHybrid custodyFuse CardSelf-custody
- Control until payment
- Holyheld CardProvider controls fundsFuse CardYou keep control
- Card issuer
- Holyheld CardUnlimit EU LtdFuse CardLead Bank
- Card processing
- Holyheld CardNot disclosedFuse CardBridge Ventures LLC, Squads Labs
- Identity verification
- Holyheld CardSumsub / IdenfyFuse CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGFuse CardBridge Ventures LLC
Sources
2 fields- Official sources
- Holyheld Card28Fuse Card15
- Last reviewed
- Holyheld CardAug 12, 2026Fuse CardAug 12, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 74 for Fuse Card. Fuse Card has the lower published FX fee (0% 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%).
Fuse Card still comes out ahead for Funds control, Lowest fees, 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 Fuse Card uses a self-controlled wallet 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 3). 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 Fuse Card reviews first.
Continue with
Holyheld Card
Continue with
Fuse Card
05 · Common questions
Holyheld vs Fuse FAQ
Is Holyheld or Fuse better overall?
Holyheld Card has the higher Overall Score (75 vs 74). 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 Fuse?
Fuse Card has the lower published FX fee (0% 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 Fuse?
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 Fuse differ on custody?
Holyheld Card uses a hybrid custody setup, while Fuse 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 Fuse comparison?
The latest information check for these two cards was August 12, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.