HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Tria: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 8 points (75 vs 67). Holyheld Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Tria Card comes out ahead for Funds control.
Information checked Aug 25, 202649 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. Tria Card may be the better fit for Funds control. 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.
OverallHolyheld75Tria67Higher score
CashbackHolyheld64Tria45Higher score
TravelHolyheld68Tria62Higher score
Funds controlHolyheld74Tria91Higher score
Lowest feesHolyheld67Tria51Higher score
TransfersHolyheld81Tria63Higher score
Choose Holyheld Card if cashback and travel matter most
Holyheld Card comes out ahead for Cashback, Travel, 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 Tria Card if funds control matters most
Tria Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
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
- Holyheld75Tria67
Holyheld Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXTria$25/year plan · 0–3% FX
Holyheld Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Holyheld0.5% base · up to 1%Tria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0.5%).
- Funds control
- HolyheldHybrid custodyTriaSelf-controlled wallet
Holyheld Card uses a hybrid custody setup, while Tria 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 PayTriaVirtual + 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 transferTria2 stablecoins · Stablecoin 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
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 crypto · 0 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 CardOverall75Tria CardOverall67
Holyheld CardOverall75Tria CardOverall67Scores
6 fields- Overall Score
- Holyheld Card75Tria Card67
- Cashback score
- Holyheld Card64Tria Card45
- Travel score
- Holyheld Card68Tria Card62
- Funds control score
- Holyheld Card74Tria Card91
- Lowest fees score
- Holyheld Card67Tria Card51
- Transfers score
- Holyheld Card81Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Holyheld Card$0Tria Card$25/year
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyTria Card0–3%
- Top-up fee
- Holyheld Card0%Tria Card1%
- Card spending fee
- Holyheld Card€0.50Tria CardNot disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Tria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Holyheld CardMetal: 1%Tria CardPremium: 6%
Everyday use
8 fields- Network
- Holyheld CardMastercardTria CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableTria CardAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebTria CardiOS, Android, Web
- Daily spending limit
- Holyheld CardEUR 10,000 dailyTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Holyheld CardPersonal EUR IBANTria CardNot disclosed
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferTria CardStablecoin transfers
- Payout currencies
- Holyheld CardEURTria CardNot disclosed
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Tria Card1.5%
- Max cashback
- Holyheld Card1%Tria Card6%
- Reward currency
- Holyheld CardUSDCTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedTria CardUp to 15% APY
- How it works
- Holyheld CardOptional earn vaultTria CardOptional earn vault
- Separate deposit
- Holyheld CardYesTria CardNot disclosed
- Use balance for spending
- Holyheld CardNot disclosedTria CardNot disclosed
- Lock-up
- Holyheld CardNoTria CardNo
Trust & availability
5 fields- Custody
- Holyheld CardHybrid custodyTria CardSelf-custody
- Control until payment
- Holyheld CardProvider controls fundsTria CardYou keep control
- Card issuer
- Holyheld CardUnlimit EU LtdTria CardNimbus, LLC, Third National
- Identity verification
- Holyheld CardSumsub / IdenfyTria CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Holyheld Card28Tria Card21
- Last reviewed
- Holyheld CardAug 12, 2026Tria CardAug 25, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 67 for Tria Card. Holyheld Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0.5%).
Tria Card still comes out ahead for Funds control, 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 Tria 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 Tria Card reviews first.
Continue with
Holyheld Card
Continue with
Tria Card
05 · Common questions
Holyheld vs Tria FAQ
Is Holyheld or Tria better overall?
Holyheld Card has the higher Overall Score (75 vs 67). 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 Tria?
Holyheld Card has the lower starting plan cost ($0 vs $25/year). 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 Tria?
Tria Card has the higher published base cashback rate (1.5% 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 Tria differ on custody?
Holyheld Card uses a hybrid custody setup, while Tria 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 Tria comparison?
The latest information check for these two cards was August 25, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.