BinanceBinance
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Side-by-side card comparison
Binance vs WhiteBIT Nova USD: overall score versus use-case fit
WhiteBIT Nova USD has the higher Overall Score by 1 point (59 vs 58). Binance Card looks stronger for Cashback, while WhiteBIT Nova USD comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Oct 16, 202629 official sources reviewed
01 · Overall score versus use-case fit
WhiteBIT Nova USD is the better all-round starting point
WhiteBIT Nova USD has the higher Overall Score in this comparison. Binance Card may be the better fit for Cashback. 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.
OverallBinance58WhiteBIT Nova USD59Higher score
CashbackBinance37WhiteBIT Nova USD25Higher score
TravelBinance36WhiteBIT Nova USD36Same score
Funds controlBinance47WhiteBIT Nova USD49Higher score
Lowest feesBinance56WhiteBIT Nova USD60Higher score
TransfersBinance76WhiteBIT Nova USD86Higher score
Choose Binance Card if cashback matters most
Binance Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
Choose WhiteBIT Nova USD if funds control and lowest fees matter most
WhiteBIT Nova USD comes out ahead for Funds control, 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
- Binance58WhiteBIT Nova USD59
WhiteBIT Nova USD has the higher Overall Score by 1 points.
- Entry cost & FX
- Binance$0 plan · 2–3% 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
WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete vs 2–3%).
- Purchase rewards
- Binance1.5% base · up to 3%WhiteBIT Nova USD0% base · up to 10%
Binance Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- BinanceCustodial balanceWhiteBIT Nova USDCustodial balance
Binance Card and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- BinanceVirtual · Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
WhiteBIT Nova USD lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Binance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawalWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Binance Card lists more stablecoins and ways to send money out (5 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.
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 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
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsBinance CardOverall58WhiteBIT Nova USDOverall59
Binance CardOverall58WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Binance Card58WhiteBIT Nova USD59
- Cashback score
- Binance Card37WhiteBIT Nova USD25
- Travel score
- Binance Card36WhiteBIT Nova USD36
- Funds control score
- Binance Card47WhiteBIT Nova USD49
- Lowest fees score
- Binance Card56WhiteBIT Nova USD60
- Transfers score
- Binance Card76WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Binance CardSpend supported Binance crypto balances, Google Pay supportWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Binance CardSpending follows the Binance account model, Virtual-only cardWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Binance Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Binance Card2–3%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Binance CardNot disclosedWhiteBIT Nova USD0%
- Card spending fee
- Binance CardNot disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Binance CardNot disclosedWhiteBIT Nova USDNot available
- Virtual card
- Binance CardVirtual card up to 15 minutes after approval; 0 USD issuance feeWhiteBIT Nova USD$0 issuance
- Physical card
- Binance CardGlobal Program virtual-only; Brazil physical card is a separate regional branchWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Binance Card3 plans: Tier 1, Tier 2, Tier 3WhiteBIT Nova USDNot disclosed
- Top cashback plan
- Binance CardTier 3: 3%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Binance CardMastercardWhiteBIT Nova USDVisa
- Card formats
- Binance CardVirtualWhiteBIT Nova USDVirtual
- ATM withdrawals
- Binance CardNot disclosedWhiteBIT Nova USDNot available
- Mobile wallets
- Binance CardGoogle PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Binance CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Binance CardShown in appWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Binance CardShown in appWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Binance CardNot disclosedWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Binance CardNot disclosedWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Binance CardOther crypto: Supported cryptoWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Binance CardBinance account bank depositWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Binance CardStablecoin transfers; Binance account fiat withdrawalWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Binance CardNot disclosedWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Binance Card1.5%WhiteBIT Nova USD0%
- Max cashback
- Binance Card3%WhiteBIT Nova USD10%
- Reward currency
- Binance CardUSDC or BTC equivalent cashback (country-dependent)WhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Binance CardNot offeredWhiteBIT Nova USDNot offered
- How it works
- Binance CardNot offeredWhiteBIT Nova USDNot offered
- Separate deposit
- Binance CardNot offeredWhiteBIT Nova USDNot offered
- Use balance for spending
- Binance CardNot offeredWhiteBIT Nova USDNot offered
- Lock-up
- Binance CardNot offeredWhiteBIT Nova USDNot offered
Trust & availability
3 fields- Custody
- Binance CardCustodialWhiteBIT Nova USDCustodial
- Control until payment
- Binance CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- Binance CardImmersve LimitedWhiteBIT Nova USDJSC Hash Bank
Sources
2 fields- Official sources
- Binance Card12WhiteBIT Nova USD17
- Last reviewed
- Binance CardAug 5, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
WhiteBIT Nova USD is the stronger all-round choice
WhiteBIT Nova USD finishes ahead with an Overall Score of 59 versus 58 for Binance Card. WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete vs 2–3%). Binance Card has the higher published base cashback rate (1.5% vs 0%).
Binance Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Binance Card and WhiteBIT Nova USD use the same custodial balance setup.
Binance Card lists more stablecoins and ways to send money out (5 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 Binance Card and WhiteBIT Nova USD reviews first.
Continue with
Binance Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Binance vs WhiteBIT Nova USD FAQ
Is Binance or WhiteBIT Nova USD better overall?
WhiteBIT Nova USD has the higher Overall Score (59 vs 58). 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, Binance or WhiteBIT Nova USD?
WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete vs 2–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Binance or WhiteBIT Nova USD?
Binance Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Binance and WhiteBIT Nova USD differ on custody?
Binance Card and WhiteBIT Nova USD use the same custodial balance setup.
How current is this Binance vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.