HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 10 points (85 vs 75). Holyheld Card looks stronger for Travel and Transfers, while Solid Card comes out ahead for Cashback, Funds control, and Lowest fees.
Information checked Oct 11, 202648 official sources reviewed
01 · Overall score versus use-case fit
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. Holyheld Card may be the better fit for Travel 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.
OverallHolyheld75Solid85Higher score
CashbackHolyheld64Solid89Higher score
TravelHolyheld68Solid58Higher score
Funds controlHolyheld74Solid94Higher score
Lowest feesHolyheld67Solid81Higher score
TransfersHolyheld81Solid78Higher score
Choose Holyheld Card if travel and transfers matter most
Holyheld Card comes out ahead for Travel and Transfers 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 Solid Card if cashback and funds control matter most
Solid Card comes out ahead for Cashback, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Savings can stay productive while spending
- Higher rates in selected categories
- Eligible ACH/wire receive details
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
- Holyheld75Solid85
Solid Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXSolid$0 plan · 0–2% FX
Solid Card has the lower published FX fee (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%Solid3% base · up to 5%
Solid Card has the higher published base cashback rate (3% vs 0.5%).
- Funds control
- HolyheldHybrid custodySolidSelf-controlled wallet
Holyheld Card uses a hybrid custody setup, while Solid 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 PaySolidVirtual · 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 transferSolid4 stablecoins · Stablecoin transfers
Solid Card lists more stablecoins and ways to send money out (6 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
- Cashback
- 3%-5%
- Plan cost
- $0
- FX fee
- 0–2%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 17 fiat
- Payout methods
- 3 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Holyheld Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Solid Card
$25 in FUSE
$25 in FUSE after $150 of qualifying card spend
- Sign up through the referral link, verify identity and activate the Solid Card.
- Within 30 days of signup, spend $150 on eligible everyday purchases at three or more shops, at least $10 total at each. Purchases below $2 do not count.
- After qualification, make one more eligible purchase of at least $10 before payout.
Solid Card promo code15QRE
The $25 value converts to FUSE at payout; FUSE can lose value. October 8 eligibility changes apply to all unpaid rewards, including already-qualified referrals. Referrals before September 8 retain $15 USDC / $75 spend, subject to the updated eligibility rules. Maximum 50 referral rewards. Solid can change or end the programme.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 CardOverall75Solid CardOverall85
Holyheld CardOverall75Solid CardOverall85Scores
6 fields- Overall Score
- Holyheld Card75Solid Card85
- Cashback score
- Holyheld Card64Solid Card89
- Travel score
- Holyheld Card68Solid Card58
- Funds control score
- Holyheld Card74Solid Card94
- Lowest fees score
- Holyheld Card67Solid Card81
- Transfers score
- Holyheld Card81Solid Card78
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardSolid CardSavings can stay productive while spending, Higher rates in selected categories
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveSolid CardHigher tiers require payment or locked FUSE, ATM availability is still being checked
Costs
7 fields- Plan cost
- Holyheld Card$0Solid Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencySolid Card0–2%
- Top-up fee
- Holyheld Card0%Solid Card0%
- Card spending fee
- Holyheld Card€0.50Solid Card0%
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Solid CardNot available
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Solid CardPhysical card not listed
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- Holyheld CardMetal: 1%Solid CardUltra: 5%
Everyday use
8 fields- Network
- Holyheld CardMastercardSolid CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalSolid CardVirtual
- ATM withdrawals
- Holyheld CardAvailableSolid CardNot available
- Mobile wallets
- Holyheld CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebSolid CardiOS, Android, Web
- Daily spending limit
- Holyheld CardEUR 10,000 dailySolid CardShown in app
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallySolid CardShown in app
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysSolid CardNot disclosed
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Solid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTSolid CardStablecoins: soUSD, USDC, USDT, FUSE, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- Holyheld CardPersonal EUR IBANSolid CardUSD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferSolid CardStablecoin transfers
- Payout currencies
- Holyheld CardEURSolid CardNot disclosed
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Solid Card3%
- Max cashback
- Holyheld Card1%Solid Card5%
- Reward currency
- Holyheld CardUSDCSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedSolid CardUp to 14% APY
- How it works
- Holyheld CardOptional earn vaultSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- Holyheld CardYesSolid CardYes
- Use balance for spending
- Holyheld CardNot disclosedSolid CardNo
- Lock-up
- Holyheld CardNoSolid CardNot disclosed
Trust & availability
6 fields- Custody
- Holyheld CardHybrid custodySolid CardSelf-custody
- Control until payment
- Holyheld CardProvider controls fundsSolid CardYou keep control
- Card issuer
- Holyheld CardUnlimit EU LtdSolid CardRain, Third National, Wirex
- Card processing
- Holyheld CardNot disclosedSolid CardFuse Network Ltd
- Identity verification
- Holyheld CardSumsub / IdenfySolid CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- Holyheld Card28Solid Card20
- Last reviewed
- Holyheld CardSep 9, 2026Solid CardOct 11, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 85 versus 75 for Holyheld Card. Solid Card has the lower published FX fee (0–2% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Solid Card has the higher published base cashback rate (3% vs 0.5%).
Holyheld Card still comes out ahead for Travel 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 Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Solid Card lists more stablecoins and ways to send money out (6 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 Solid Card reviews first.
Continue with
Holyheld Card
Continue with
Solid Card
05 · Common questions
Holyheld vs Solid FAQ
Is Holyheld or Solid better overall?
Solid Card has the higher Overall Score (85 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 Solid?
Solid Card has the lower published FX fee (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 Solid?
Solid 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 Solid differ on custody?
Holyheld Card uses a hybrid custody setup, while Solid 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 Solid comparison?
The latest information check for these two cards was October 11, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.