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64
Side-by-side card comparison
ARQ vs WhiteBIT Nova USD: overall score versus use-case fit
ARQ Card has the higher Overall Score by 5 points (64 vs 59). ARQ Card looks stronger for Cashback, Travel, and Funds control, while WhiteBIT Nova USD comes out ahead for Lowest fees and Transfers.
Information checked Oct 16, 202653 official sources reviewed
01 · Overall score versus use-case fit
ARQ Card is the better all-round starting point
ARQ Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may be the better fit for Lowest fees and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallARQ64WhiteBIT Nova USD59Higher score
CashbackARQ40WhiteBIT Nova USD25Higher score
TravelARQ62WhiteBIT Nova USD36Higher score
Funds controlARQ52WhiteBIT Nova USD49Higher score
Lowest feesARQ52WhiteBIT Nova USD60Higher score
TransfersARQ75WhiteBIT Nova USD86Higher score
Choose ARQ Card if cashback and travel matter most
ARQ Card comes out ahead for Cashback, Travel, and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose WhiteBIT Nova USD if lowest fees and transfers matter most
WhiteBIT Nova USD comes out ahead for Lowest fees and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Spend selected exchange assets
- No monthly maintenance fee
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- ARQ64WhiteBIT Nova USD59
ARQ Card has the higher Overall Score by 5 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXWhiteBIT Nova USDNot disclosed plan · 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- ARQ0% base · up to 2%WhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- ARQCustodial balanceWhiteBIT Nova USDCustodial balance
ARQ Card and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
ARQ Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
ARQ Card lists more stablecoins and ways to send money out (6 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
64
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- Provider spread unknown; Argentina/Brazil variant charges may apply
- ATM fee
- 1–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 0%-10%
- Plan cost
- Not disclosed
- FX fee
- 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 2 crypto · 1 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsARQ CardOverall64WhiteBIT Nova USDOverall59
ARQ CardOverall64WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- ARQ Card64WhiteBIT Nova USD59
- Cashback score
- ARQ Card40WhiteBIT Nova USD25
- Travel score
- ARQ Card62WhiteBIT Nova USD36
- Funds control score
- ARQ Card52WhiteBIT Nova USD49
- Lowest fees score
- ARQ Card52WhiteBIT Nova USD60
- Transfers score
- ARQ Card75WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- ARQ Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyWhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURWhiteBIT Nova USD0%
- Card spending fee
- ARQ Card0%WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- ARQ Card1–3%WhiteBIT Nova USDNot available
- Virtual card
- ARQ CardFreeWhiteBIT Nova USD$0 issuance
- Physical card
- ARQ CardMexico: Standard shipping $4.99; first physical card free with Main Balance above $100 or Premium. Other countries must confirm local terms.WhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeWhiteBIT Nova USDNot disclosed
- Top cashback plan
- ARQ CardPrestige: 2%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- ARQ CardMastercardWhiteBIT Nova USDVisa
- Card formats
- ARQ CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- ARQ CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- ARQ CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- ARQ CardNot disclosedWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- ARQ CardNot disclosedWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- ARQ CardNot disclosedWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- ARQ CardUSD receive, EUR receiveWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- ARQ CardARQ P2P; USD ACH payoutWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- ARQ CardUSDWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- ARQ Card0%WhiteBIT Nova USD0%
- Max cashback
- ARQ Card2%WhiteBIT Nova USD10%
- Reward currency
- ARQ CardUSDc cashbackWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYWhiteBIT Nova USDNot offered
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultWhiteBIT Nova USDNot offered
- Separate deposit
- ARQ CardYesWhiteBIT Nova USDNot offered
- Use balance for spending
- ARQ CardNoWhiteBIT Nova USDNot offered
- Lock-up
- ARQ CardNoWhiteBIT Nova USDNot offered
Trust & availability
3 fields- Custody
- ARQ CardCustodialWhiteBIT Nova USDCustodial
- Control until payment
- ARQ CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- ARQ CardNot disclosedWhiteBIT Nova USDJSC Hash Bank
Sources
2 fields- Official sources
- ARQ Card36WhiteBIT Nova USD17
- Last reviewed
- ARQ CardOct 11, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
ARQ Card is the stronger all-round choice
ARQ Card finishes ahead with an Overall Score of 64 versus 59 for WhiteBIT Nova USD. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
WhiteBIT Nova USD still comes out ahead for Lowest fees and Transfers, which may matter more than the overall result if that is how you plan to use the card. ARQ Card and WhiteBIT Nova USD use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full ARQ Card and WhiteBIT Nova USD reviews first.
Continue with
ARQ Card
Continue with
WhiteBIT Nova USD
05 · Common questions
ARQ vs WhiteBIT Nova USD FAQ
Is ARQ or WhiteBIT Nova USD better overall?
ARQ Card has the higher Overall Score (64 vs 59). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, ARQ or WhiteBIT Nova USD?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ARQ or WhiteBIT Nova USD?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ARQ and WhiteBIT Nova USD differ on custody?
ARQ Card and WhiteBIT Nova USD use the same custodial balance setup.
How current is this ARQ vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.