TangemTangem
77
Side-by-side card comparison
Tangem vs Holyheld: overall score versus use-case fit
Tangem Card has the higher Overall Score by 2 points (77 vs 75). Tangem Card looks stronger for Cashback and Funds control, while Holyheld Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Oct 11, 202648 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Holyheld Card may be the better fit for Travel, Lowest fees, 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.
OverallTangem77Holyheld75Higher score
CashbackTangem73Holyheld64Higher score
TravelTangem63Holyheld68Higher score
Funds controlTangem87Holyheld74Higher score
Lowest feesTangem52Holyheld67Higher score
TransfersTangem65Holyheld81Higher score
Choose Tangem Card if cashback and funds control matter most
Tangem Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Holyheld Card if travel and lowest fees matter most
Holyheld Card comes out ahead for 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
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
- Tangem77Holyheld75
Tangem Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown 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
- Tangem1% base · up to 2%Holyheld0.5% base · up to 1%
Tangem Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- TangemHybrid custodyHolyheldHybrid custody
Tangem Card and Holyheld Card use the same hybrid custody setup.
- Everyday access
- TangemVirtual + 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
- Tangem2 stablecoins · Stablecoin transfersHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 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
CardsTangem CardOverall77Holyheld CardOverall75
Tangem CardOverall77Holyheld CardOverall75Scores
6 fields- Overall Score
- Tangem Card77Holyheld Card75
- Cashback score
- Tangem Card73Holyheld Card64
- Travel score
- Tangem Card63Holyheld Card68
- Funds control score
- Tangem Card87Holyheld Card74
- Lowest fees score
- Tangem Card52Holyheld Card67
- Transfers score
- Tangem Card65Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Tangem Card$0Holyheld Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateHolyheld Card0%
- Card spending fee
- Tangem Card0%Holyheld Card€0.50
- ATM fee
- Tangem Card2–4%Holyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Tangem Card$0 for the first virtual cardHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Tangem CardPlus: 2%Holyheld CardMetal: 1%
Everyday use
8 fields- Network
- Tangem CardVisaHolyheld CardMastercard
- Card formats
- Tangem CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableHolyheld CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositHolyheld CardPersonal EUR IBAN
- Transfers
- Tangem CardStablecoin transfersHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Tangem CardNot disclosedHolyheld CardEUR
Rewards
3 fields- Base cashback
- Tangem Card1%Holyheld Card0.5%
- Max cashback
- Tangem Card2%Holyheld Card1%
- Reward currency
- Tangem CardUSDCHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Tangem CardNot offeredHolyheld CardNot disclosed
- How it works
- Tangem CardNot offeredHolyheld CardOptional earn vault
- Separate deposit
- Tangem CardNot offeredHolyheld CardYes
- Use balance for spending
- Tangem CardNot offeredHolyheld CardNot disclosed
- Lock-up
- Tangem CardNot offeredHolyheld CardNo
Trust & availability
6 fields- Custody
- Tangem CardHybrid custodyHolyheld CardHybrid custody
- Control until payment
- Tangem CardYou keep controlHolyheld CardProvider controls funds
- Card issuer
- Tangem CardThird NationalHolyheld CardUnlimit EU Ltd
- Card processing
- Tangem CardPaera LLCHolyheld CardNot disclosed
- Identity verification
- Tangem CardSumsubHolyheld CardSumsub / Idenfy
- Programme operator
- Tangem CardNot disclosedHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Tangem Card20Holyheld Card28
- Last reviewed
- Tangem CardOct 11, 2026Holyheld CardSep 9, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 75 for Holyheld Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% vs 0.5%).
Holyheld Card still comes out ahead for Travel, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tangem Card and Holyheld Card use the same hybrid custody setup.
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 Tangem Card and Holyheld Card reviews first.
Continue with
Tangem Card
Continue with
Holyheld Card
05 · Common questions
Tangem vs Holyheld FAQ
Is Tangem or Holyheld better overall?
Tangem Card has the higher Overall Score (77 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, Tangem 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, Tangem or Holyheld?
Tangem 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 Tangem and Holyheld differ on custody?
Tangem Card and Holyheld Card use the same hybrid custody setup.
How current is this Tangem vs Holyheld comparison?
The latest information check for these two cards was October 11, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.