BleapvsHolyheld
A metric-by-metric comparison based on published fees and limits. “Best” means the lowest cost or highest reward in that row — not an editorial endorsement.
| Metric |  Unlimit 8.0/10 Get card | HHVisa Holyheld Regional Partner 6.2/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | Best 8.0/10 | 6.2/10 |
| Costs | ||
| Annual fee | Best None | $10 |
| FX fee | Best 0% | 2.5% |
| Crypto top-up | Best 0% | 0.5% |
| Issuance fee | Best Free | $32 |
| ATM fee | Best 0% | 2.5% |
| Rewards | ||
| Max cashback | Best 1%–2% cashback | 0.5%–1% cashback |
| Payout token | USDC | USDC |
| Staking | None (1% flat everyday up to €30/mo; 20% on AI, streaming & gaming subscriptions; 3% food delivery) | None for Classic (0.5% back); Metal €199 issuance unlocks 1% cashback |
| Perks | Apple & Google Pay · 20% AI & Streaming Back · 0% FX & 0% ATM Fee | Apple & Google Pay · Personal EUR IBAN · 1,200+ Tokens Supported |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Self-custody | Self-custody |
| Countries | 29 (EEA & UK) | 29 (EEA & Switzerland (excluding UK as of recent updates)) |
| Max daily spend | Best $16,000 | $11,000 |
| Monthly ATM limit | $440 | Best $1,100 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Solana, Arbitrum, Base | Best Ethereum, Arbitrum, Optimism, Polygon +4 |
| Top-up tokens | USDC, USDT, EURe | Best USDC, USDT, ETH, BTC, SOL |
| Issuer | Unlimit | Regional Partner |
| Network | Mastercard | Visa |
The quick verdict
Bleap pays the highest headline cashback at 2%, but check the staking requirement: none (1% flat everyday up to €30/mo; 20% on ai, streaming & gaming subscriptions; 3% food delivery).
Bleap is the cheaper travel card at 0% FX, while Bleap wins on annual cost at $0.
Both cards are available in 29 and 29 countries respectively. If your country is not on one of those lists, the choice is already made for you.
- Up to 20% cashback in USDC on AI (ChatGPT, Claude), streaming & gaming with no staking
- 0% FX fees, $0 annual fee and 0% ATM fee up to €400/mo
Bleap vs Holyheld — FAQ
Which is better, Bleap or Holyheld?+
Bleap has the higher editor score. Bleap pays 1%–2% cashback with 0% FX, while Holyheld pays 0.5%–1% cashback with 2.5% FX. The right choice depends on whether you value cashback, low FX, self-custody or country availability more.
Which card has lower fees, Bleap or Holyheld?+
Bleap has a no annual fee annual fee, 0% top-up fee and 0% FX. Holyheld has a $10 annual fee, 0.5% top-up fee and 2.5% FX. The winner depends on your spend currency and funding token; run the net return calculator for your own numbers.
Can I use Bleap and Holyheld together?+
Yes, in most jurisdictions there is no restriction on holding multiple crypto cards. A common setup is using the lowest-FX card for travel and the highest-cashback card for domestic or online spend.