HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Uphold US: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 5 points (75 vs 70). Holyheld Card looks stronger for Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback and Travel.
Information checked Oct 14, 202641 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. Uphold Card US may be the better fit for Cashback and Travel. 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.
OverallHolyheld75Uphold US70Higher score
CashbackHolyheld64Uphold US75Higher score
TravelHolyheld68Uphold US71Higher score
Funds controlHolyheld74Uphold US44Higher score
Lowest feesHolyheld67Uphold US56Higher score
TransfersHolyheld81Uphold US65Higher score
Choose Holyheld Card if funds control and lowest fees matter most
Holyheld 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.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose Uphold Card US if cashback and travel matter most
Uphold Card US 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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
- Holyheld75Uphold US70
Holyheld Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower published FX fee (0–1.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- HolyheldHybrid custodyUphold USCustodial balance
Holyheld Card uses a hybrid custody setup, while Uphold Card US uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayUphold USVirtual + 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 transferUphold US0 stablecoins · US bank withdrawal
Holyheld Card lists more stablecoins and ways to send money out (4 vs 2).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 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 CardOverall75Uphold Card USOverall70
Holyheld CardOverall75Uphold Card USOverall70Scores
6 fields- Overall Score
- Holyheld Card75Uphold Card US70
- Cashback score
- Holyheld Card64Uphold Card US75
- Travel score
- Holyheld Card68Uphold Card US71
- Funds control score
- Holyheld Card74Uphold Card US44
- Lowest fees score
- Holyheld Card67Uphold Card US56
- Transfers score
- Holyheld Card81Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Holyheld Card$0Uphold Card US$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyUphold Card US0–1.5%
- Top-up fee
- Holyheld Card0%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Holyheld Card€0.50Uphold Card USNot disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Uphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessUphold Card USFree on both plans
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Uphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Holyheld CardMetal: 1%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Holyheld CardMastercardUphold Card USVisa
- Card formats
- Holyheld CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableUphold Card USAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebUphold Card USiOS, Android
- Daily spending limit
- Holyheld CardEUR 10,000 dailyUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Uphold Card USNot disclosed
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTUphold Card USNot disclosed
- Fiat deposits
- Holyheld CardPersonal EUR IBANUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferUphold Card USUS bank withdrawal
- Payout currencies
- Holyheld CardEURUphold Card USUSD
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Uphold Card US2%
- Max cashback
- Holyheld Card1%Uphold Card US4%
- Reward currency
- Holyheld CardUSDCUphold Card USXRP
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedUphold Card USNot offered
- How it works
- Holyheld CardOptional earn vaultUphold Card USNot offered
- Separate deposit
- Holyheld CardYesUphold Card USNot offered
- Use balance for spending
- Holyheld CardNot disclosedUphold Card USNot offered
- Lock-up
- Holyheld CardNoUphold Card USNot offered
Trust & availability
6 fields- Custody
- Holyheld CardHybrid custodyUphold Card USCustodial
- Control until payment
- Holyheld CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdUphold Card USCross River Bank
- Custody / key management
- Holyheld CardNot disclosedUphold Card USUphold HQ Inc.
- Identity verification
- Holyheld CardSumsub / IdenfyUphold Card USNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGUphold Card USNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28Uphold Card US13
- Last reviewed
- Holyheld CardSep 9, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 70 for Uphold Card US. Uphold Card US has the lower published FX fee (0–1.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Uphold Card US has the higher published base cashback rate (2% vs 0.5%).
Uphold Card US still comes out ahead for Cashback and Travel, 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 Uphold Card US uses a custodial balance 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 2). 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 Uphold Card US reviews first.
Continue with
Holyheld Card
Continue with
Uphold Card US
05 · Common questions
Holyheld vs Uphold US FAQ
Is Holyheld or Uphold US better overall?
Holyheld Card has the higher Overall Score (75 vs 70). 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 Uphold US?
Uphold Card US has the lower published FX fee (0–1.5% 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 Uphold US?
Uphold Card US has the higher published base cashback rate (2% 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 Uphold US differ on custody?
Holyheld Card uses a hybrid custody setup, while Uphold Card US uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.