Holyheld Card vs Nexo Card - HodlCue
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Holyheld Card vs Nexo Card

Holyheld Card vs Nexo Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.

Holyheld Card

Holyheld Card

Holyheld Card is a non-custodial crypto card that lets you spend your crypto directly from your own wallet. I…

VS
Nexo Card

Nexo Card

The Nexo Card is a crypto-backed credit card that lets you spend without selling your assets. It offers crypt…

Head-to-head comparison

Effective rewards

Holyheld Card

Up to 1% cashback

Nexo Card

0.5-2% (credit-mode purchases only, not debit)

Reward asset

Holyheld Card

USDC

Nexo Card

NEXO (up to 2%) or BTC (up to 0.5%)

Staking tier

Holyheld Card

Nexo Card

Loyalty tier by NEXO-to-portfolio ratio; higher cashback needs >~$5k portfolio and NEXO holdings

Custody

Holyheld Card

Non-custodial

Nexo Card

Custodial

Annual fee

Holyheld Card

Verify

Nexo Card

No monthly or annual fee

FX fee

Holyheld Card

Verify

Nexo Card

FX fee applies even in EEA/UK, higher on weekends

ATM fee

Holyheld Card

Verify

Nexo Card

Free to monthly limit by loyalty tier, then fee

Conversion spread

Holyheld Card

Top up from own wallet; minimal

Nexo Card

Standard, applies on debit-mode conversions

Network

Holyheld Card

Verify (Visa/Mastercard)

Nexo Card

Mastercard

Apple / Google Pay

Holyheld Card

Verify

Nexo Card

Yes

Region availability

Holyheld Card

EEA

Nexo Card

EEA and UK only (exited US 2024); physical card orders temporarily paused

Pros & cons

Holyheld Card

Holyheld Card

Pros

  • Non-custodial: you control your private keys
  • Direct spending from your own wallet
  • Supports multiple wallets and networks
  • No need to deposit funds with a third party

Cons

  • Requires technical knowledge of wallets
  • Limited customer support options
  • Not available in all regions
Nexo Card

Nexo Card

Pros

  • Spend crypto without selling your assets
  • Earn crypto cashback on purchases
  • No annual fee (depending on tier)
  • Flexible repayment options

Cons

  • Custodial - you do not control private keys
  • Risk of liquidation if collateral drops
  • Interest charges on borrowed amounts
  • Not available in all countries
Holyheld Card

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.

Read review
Nexo Card

Nexo Card

The Nexo Card is a crypto-backed credit card that lets you spend without selling your assets. It offers crypto rewards on everyday purchases, but is custodial and requires careful review of terms.

Read review

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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