The card at a glance
CARD TYPE
Debit
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
€29-€199 (Classic/Limited/Metal — one-time issuance)
Cost to hold the card
MAX REWARD
Up to 1%
1% cashback in USDC; €1/month inactivity fee after 4 months
REWARDS IN
USDC
How rewards are paid
FX FEE
2.5% + €1 international
On foreign-currency spend
REGION
EU
Where it's available
STAKING
Not required
Lock-up to earn rewards
SIGNUP BONUS
Up to €100 referral bonus
Welcome offer
CUSTODY
Self-custody
You hold the keys
Earning Up to 1%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to Up to 1%, 1% cashback in usdc; €1/month inactivity fee after 4 months, paid in USDC. No staking required for the base rate.
Fees you'll actually meet
Annual fee
Cost to hold the card each year
€29-€199 (Classic/Limited/Metal — one-time issuance)
Monthly fee
Recurring account cost
None (€1/mo inactivity fee after 4 months dormancy)
FX spread
Applied on foreign-currency spend
2.5% + €1 international
ATM withdrawal
Cash withdrawal cost
First €100/mo domestic free, then €0.50 per withdrawal
Crypto conversion
When spending crypto directly
Free
Issuance fee
One-off cost to get the card
€29 Classic / €99 Limited Virtual / €199 Metal
ℹ️ 1% cashback in USDC; €1/month inactivity fee after 4 months
Strengths and trade-offs
WORKS FOR YOU IF
✓Self-custodial
✓Multi-EVM chain support
✓1% cashback in USDC
✓Apple Pay and Google Pay
✓EU regulated
LOOK ELSEWHERE IF
!Card issuance fee €29-€199
!2.5% + €1 international FX fee
!Inactivity fee after 4 months
!EU only
!Low 1% max cashback
What sets it apart
✦Multi-EVM chain support
✦Self-custodial wallet integration
✦Personal IBAN via Unlimit
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ Self-custody✓ No staking
Common questions
Where can I use the Holyheld?
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Does the Holyheld have an annual fee?
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Do I need to stake anything to earn rewards?
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How much can I earn with the Holyheld?
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Does it work with Apple Pay and Google Pay?
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Is this a self-custody card?
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Figures on this page come from Unlimit EU Ltd's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
