Fold Card vs Holyheld Card
The short answer
Winner: Holyheld Card — 6.9/10 versus 6.8/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Fold Card
KYC
Holyheld Card
Email only
Score
Annual fee
$149
Free
Monthly fee
Free
Free
Cashback
0%
1%
ATM fee
Free
1%
FX fee
3%
2.5%
Per transaction
$15k
Unlimited
Daily limit
$15k
$10k
Monthly limit
$50k
Unlimited
KYC
KYC
Email only
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
1.5%
0.5%
ATM per transaction
$400
$400
Network
visa
mastercard
IBAN
✗
✓
Apple Pay
✓
✓
Google Pay
✗
✗
Countries
1
17
Coins
BTC
BTC, ETH, SOL, USDC, USDT
Fold Card vs Holyheld Card FAQ
On our composite score Holyheld Card edges ahead (6.9/10 vs 6.8/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.