PhantomPhantom
59
Side-by-side card comparison
Phantom vs Holyheld: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 16 points (75 vs 59). Phantom Card looks stronger for Funds control and Transfers, while Holyheld Card comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Aug 12, 202642 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. Phantom Card may be the better fit for Funds control 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.
OverallPhantom59Holyheld75Higher score
CashbackPhantom14Holyheld64Higher score
TravelPhantom25Holyheld68Higher score
Funds controlPhantom89Holyheld74Higher score
Lowest feesPhantom44Holyheld67Higher score
TransfersPhantom88Holyheld81Higher score
Choose Phantom Card if funds control and transfers matter most
Phantom Card comes out ahead for Funds control 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 until settlement
- Apple Pay and Google Pay
- No US purchase fee
Choose Holyheld Card if cashback and travel matter most
Holyheld Card comes out ahead for Cashback, Travel, 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.
- 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
- Phantom59Holyheld75
Holyheld Card has the higher Overall Score by 16 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency 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
- Phantom0% cashbackHolyheld0.5% base · up to 1%
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- PhantomSelf-controlled walletHolyheldHybrid custody
Phantom 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
- PhantomVirtual · Apple Pay, Google PayHolyheldVirtual + Physical · Apple Pay, Google Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Phantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
Phantom Card lists more stablecoins and ways to send money out (8 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%
- Plan cost
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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
CardsPhantom CardOverall59Holyheld CardOverall75
Phantom CardOverall59Holyheld CardOverall75Scores
6 fields- Overall Score
- Phantom Card59Holyheld Card75
- Cashback score
- Phantom Card14Holyheld Card64
- Travel score
- Phantom Card25Holyheld Card68
- Funds control score
- Phantom Card89Holyheld Card74
- Lowest fees score
- Phantom Card44Holyheld Card67
- Transfers score
- Phantom Card88Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Phantom CardNot disclosedHolyheld Card$0
- FX fee
- Phantom CardMay apply; shown before confirmationHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Phantom Card0.3–3.5%Holyheld Card0%
- Card spending fee
- Phantom Card0%Holyheld Card€0.50
- ATM fee
- Phantom CardNot availableHolyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Phantom CardFree virtual cardHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Phantom CardNot availableHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Phantom CardNot disclosedHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Phantom CardNot disclosedHolyheld CardMetal: 1%
Everyday use
8 fields- Network
- Phantom CardVisaHolyheld CardMastercard
- Card formats
- Phantom CardVirtualHolyheld CardVirtual, Physical
- ATM withdrawals
- Phantom CardNot availableHolyheld CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Phantom CardNot availableHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Phantom CardSolanaHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireHolyheld CardPersonal EUR IBAN
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Phantom CardUSDHolyheld CardEUR
Rewards
3 fields- Base cashback
- Phantom Card0%Holyheld Card0.5%
- Max cashback
- Phantom Card0%Holyheld Card1%
- Reward currency
- Phantom CardNot applicableHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedHolyheld CardNot disclosed
- How it works
- Phantom CardOptional earn vaultHolyheld CardOptional earn vault
- Separate deposit
- Phantom CardYesHolyheld CardYes
- Use balance for spending
- Phantom CardNoHolyheld CardNot disclosed
- Lock-up
- Phantom CardNot disclosedHolyheld CardNo
Trust & availability
7 fields- Custody
- Phantom CardSelf-custodyHolyheld CardHybrid custody
- Control until payment
- Phantom CardYou keep controlHolyheld CardProvider controls funds
- Card issuer
- Phantom CardLead BankHolyheld CardUnlimit EU Ltd
- Card processing
- Phantom CardBridge Ventures LLC, GalileoHolyheld CardNot disclosed
- Deposits & withdrawals
- Phantom CardStripeHolyheld CardNot disclosed
- Identity verification
- Phantom CardLinkHolyheld CardSumsub / Idenfy
- Programme operator
- Phantom CardNot disclosedHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Phantom Card14Holyheld Card28
- Last reviewed
- Phantom CardAug 5, 2026Holyheld CardAug 12, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 59 for Phantom 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%).
Phantom Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Phantom 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.
Phantom Card lists more stablecoins and ways to send money out (8 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 Phantom Card and Holyheld Card reviews first.
Continue with
Phantom Card
Continue with
Holyheld Card
05 · Common questions
Phantom vs Holyheld FAQ
Is Phantom or Holyheld better overall?
Holyheld Card has the higher Overall Score (75 vs 59). 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, Phantom or Holyheld?
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, Phantom or Holyheld?
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 Phantom and Holyheld differ on custody?
Phantom 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 Phantom vs Holyheld comparison?
The latest information check for these two cards was August 12, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.