Provider comparison
Crypto.com Visa Card vs Holyheld Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The Crypto.com Visa Card lets you earn crypto cashback on purchases and access perks like airport lounge visi…
Holyheld Card is a non-custodial crypto card that lets you spend your crypto directly from your own wallet. I…
Effective rewards
Crypto.com Visa Card
Holyheld Card
Reward asset
Crypto.com Visa Card
Holyheld Card
Staking tier
Crypto.com Visa Card
Holyheld Card
Custody
Crypto.com Visa Card
Holyheld Card
Annual fee
Crypto.com Visa Card
Holyheld Card
FX fee
Crypto.com Visa Card
Holyheld Card
ATM fee
Crypto.com Visa Card
Holyheld Card
Conversion spread
Crypto.com Visa Card
Holyheld Card
Network
Crypto.com Visa Card
Holyheld Card
Apple / Google Pay
Crypto.com Visa Card
Holyheld Card
Region availability
Crypto.com Visa Card
Holyheld Card
| Feature | Crypto.com Visa Card | Holyheld Card |
|---|---|---|
| Effective rewards | 1-2% realistic (mid-tiers); 5% ceiling needs $400k CRO staked | Up to 1% cashback |
| Reward asset | CRO | USDC |
| Staking tier | CRO $0 (1%) / $400 (2%) / $4k (3%) / $40k (5%) / $400k (5%+perks), locked 180 days | |
| Custody | Custodial | Non-custodial |
| Annual fee | No annual fee; some regions charge shipping/issuance | Verify |
| FX fee | None up to monthly limit, then ~0.5-3% | Verify |
| ATM fee | Free to monthly cap (e.g. $200-$1k by tier), then ~2-3% | Verify |
| Conversion spread | Interbank-ish, no explicit spread disclosed | Top up from own wallet; minimal |
| Network | Visa | Verify (Visa/Mastercard) |
| Apple / Google Pay | Yes | Verify |
| Region availability | US, EEA, UK, Canada, APAC, LATAM (varies) | EEA |
Crypto.com Visa Card
The Crypto.com Visa Card lets you earn crypto cashback on purchases and access perks like airport lounge visits. It is a custodial card that requires staking CRO tokens to unlock higher reward tiers.
Holyheld Card
Holyheld Card is a non-custodial crypto card that lets you spend your crypto directly from your own wallet. It's designed for users who want full control over their funds without relying on a third-party custodian.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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