MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Holyheld: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 1 point (76 vs 75). MetaMask Card looks stronger for Travel, Funds control, and Lowest fees, while Holyheld Card comes out ahead for Cashback and Transfers.
Information checked Aug 12, 202640 official sources reviewed
01 · Overall score versus use-case fit
MetaMask Card is the better all-round starting point
MetaMask Card has the higher Overall Score in this comparison. Holyheld Card may be the better fit for Cashback 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.
OverallMetaMask76Holyheld75Higher score
CashbackMetaMask49Holyheld64Higher score
TravelMetaMask91Holyheld68Higher score
Funds controlMetaMask87Holyheld74Higher score
Lowest feesMetaMask82Holyheld67Higher score
TransfersMetaMask59Holyheld81Higher score
Choose MetaMask Card if travel and funds control matter most
MetaMask Card comes out ahead for Travel, 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.
- Spend enabled MetaMask wallet assets
- Self-custody spend model
- Free Virtual tier includes mUSD cashback
Choose Holyheld Card if cashback and transfers matter most
Holyheld Card comes out ahead for Cashback 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
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
- MetaMask76Holyheld75
MetaMask Card has the higher Overall Score by 1 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
MetaMask Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- MetaMask1% base · up to 3%Holyheld0.5% base · up to 1%
MetaMask Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- MetaMaskSelf-controlled walletHolyheldHybrid custody
MetaMask Card uses a self-controlled wallet setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- MetaMaskVirtual + Physical · Apple Pay, Google PayHolyheldVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
MetaMask Card lists more stablecoins and ways to send money out (5 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
- 1%-3%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- 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
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
CardsMetaMask CardOverall76Holyheld CardOverall75
MetaMask CardOverall76Holyheld CardOverall75Scores
6 fields- Overall Score
- MetaMask Card76Holyheld Card75
- Cashback score
- MetaMask Card49Holyheld Card64
- Travel score
- MetaMask Card91Holyheld Card68
- Funds control score
- MetaMask Card87Holyheld Card74
- Lowest fees score
- MetaMask Card82Holyheld Card67
- Transfers score
- MetaMask Card59Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- MetaMask Card$0Holyheld Card$0
- FX fee
- MetaMask Card0–1%Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- MetaMask Card0%Holyheld Card0%
- Card spending fee
- MetaMask CardNot disclosedHolyheld Card€0.50
- ATM fee
- MetaMask Card0–2%Holyheld CardUp to EUR 2 + 2.5%
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Holyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- MetaMask CardMetal: 3%Holyheld CardMetal: 1%
Everyday use
8 fields- Network
- MetaMask CardMastercardHolyheld CardMastercard
- Card formats
- MetaMask CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableHolyheld CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebHolyheld CardiOS, Android, Web
- Daily spending limit
- MetaMask CardNot disclosedHolyheld CardEUR 10,000 daily
- Monthly spending limit
- MetaMask CardNot disclosedHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- MetaMask CardLimits shown in appHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- MetaMask CardNot disclosedHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- MetaMask CardNot disclosedHolyheld CardPersonal EUR IBAN
- Transfers
- MetaMask CardStablecoin transfersHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- MetaMask CardNot disclosedHolyheld CardEUR
Rewards
3 fields- Base cashback
- MetaMask Card1%Holyheld Card0.5%
- Max cashback
- MetaMask Card3%Holyheld Card1%
- Reward currency
- MetaMask CardmUSD cashbackHolyheld CardUSDC
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYHolyheld CardNot disclosed
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultHolyheld CardOptional earn vault
- Separate deposit
- MetaMask CardYesHolyheld CardYes
- Use balance for spending
- MetaMask CardYesHolyheld CardNot disclosed
- Lock-up
- MetaMask CardNoHolyheld CardNo
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodyHolyheld CardHybrid custody
- Control until payment
- MetaMask CardYou keep controlHolyheld CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankHolyheld CardUnlimit EU Ltd
- Identity verification
- MetaMask CardCrypto LifeHolyheld CardSumsub / Idenfy
- Programme operator
- MetaMask CardNot disclosedHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- MetaMask Card12Holyheld Card28
- Last reviewed
- MetaMask CardAug 12, 2026Holyheld CardAug 12, 2026
04 · The trade-off
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 versus 75 for Holyheld Card. MetaMask Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). MetaMask Card has the higher published base cashback rate (1% vs 0.5%).
Holyheld Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. MetaMask Card uses a self-controlled wallet setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
MetaMask Card lists more stablecoins and ways to send money out (5 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 MetaMask Card and Holyheld Card reviews first.
Continue with
MetaMask Card
Continue with
Holyheld Card
05 · Common questions
MetaMask vs Holyheld FAQ
Is MetaMask or Holyheld better overall?
MetaMask Card has the higher Overall Score (76 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, MetaMask or Holyheld?
MetaMask Card has the lower published FX fee (0–1% 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, MetaMask or Holyheld?
MetaMask Card has the higher published base cashback rate (1% 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 MetaMask and Holyheld differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MetaMask vs Holyheld comparison?
The latest information check for these two cards was August 12, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.