HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Spritz: fees, rewards and account setup
Holyheld Card has the higher Overall Score by 13 points (75 vs 62). Holyheld Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Spritz Card may still be the better personal fit.
Information checked Aug 28, 202669 official sources reviewed
01 · Make the first cut
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Spritz 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.
OverallHolyheld75Spritz62Higher score
CashbackHolyheld64Spritz34Higher score
TravelHolyheld68Spritz46Higher score
Funds controlHolyheld74Spritz62Higher score
Lowest feesHolyheld67Spritz44Higher score
TransfersHolyheld81Spritz64Higher score
Choose Holyheld Card if cashback and travel matter most
Holyheld 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.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose Spritz Card if its day-to-day setup suits you
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- Holyheld75Spritz62
Holyheld Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Holyheld0.5% base · up to 1%Spritz0% base · up to 5%
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- HolyheldHybrid custodySpritzHybrid custody
Holyheld Card and Spritz Card use the same hybrid custody setup.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PaySpritzVirtual + 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 transferSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Holyheld Card lists more stablecoins and ways to send money out (4 vs 1).
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
- 0%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 fiat
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 CardOverall75Spritz CardOverall62
Holyheld CardOverall75Spritz CardOverall62Scores
6 fields- Overall Score
- Holyheld Card75Spritz Card62
- Cashback score
- Holyheld Card64Spritz Card34
- Travel score
- Holyheld Card68Spritz Card46
- Funds control score
- Holyheld Card74Spritz Card62
- Lowest fees score
- Holyheld Card67Spritz Card44
- Transfers score
- Holyheld Card81Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Holyheld Card$0Spritz Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencySpritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Holyheld Card0%Spritz Card1–3%
- Card spending fee
- Holyheld Card€0.50Spritz Card0%
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Spritz CardNot disclosed
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessSpritz CardNot disclosed
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Spritz CardNot disclosed
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalSpritz CardNot disclosed
- Top cashback plan
- Holyheld CardMetal: 1%Spritz CardNot disclosed
Everyday use
8 fields- Network
- Holyheld CardMastercardSpritz CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Holyheld CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebSpritz CardiOS
- Daily spending limit
- Holyheld CardEUR 10,000 dailySpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallySpritz CardNot disclosed
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Spritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Holyheld CardPersonal EUR IBANSpritz CardNot disclosed
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Holyheld CardEURSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Spritz Card0%
- Max cashback
- Holyheld Card1%Spritz Card5%
- Reward currency
- Holyheld CardUSDCSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedSpritz CardNot offered
- How it works
- Holyheld CardOptional earn vaultSpritz CardNot offered
- Separate deposit
- Holyheld CardYesSpritz CardNot offered
- Use balance for spending
- Holyheld CardNot disclosedSpritz CardNot offered
- Lock-up
- Holyheld CardNoSpritz CardNot offered
Trust & availability
6 fields- Custody
- Holyheld CardHybrid custodySpritz CardHybrid custody
- Control until payment
- Holyheld CardProvider controls fundsSpritz CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdSpritz CardNot disclosed
- Card processing
- Holyheld CardNot disclosedSpritz CardRain
- Identity verification
- Holyheld CardSumsub / IdenfySpritz CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGSpritz CardNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28Spritz Card41
- Last reviewed
- Holyheld CardAug 12, 2026Spritz CardAug 28, 2026
04 · The takeaway
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 62 for Spritz Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
Spritz Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Holyheld Card and Spritz Card use the same hybrid custody setup.
Holyheld Card lists more stablecoins and ways to send money out (4 vs 1). 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 Spritz Card reviews first.
Continue with
Holyheld Card
Continue with
Spritz Card
05 · Common questions
Holyheld vs Spritz FAQ
Is Holyheld or Spritz better overall?
Holyheld Card has the higher Overall Score (75 vs 62). 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 Spritz?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Spritz?
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 Spritz differ on custody?
Holyheld Card and Spritz Card use the same hybrid custody setup.
How current is this Holyheld vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 69 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.