BrightyBrighty
70
Side-by-side card comparison
Brighty vs WhiteBIT Nova USD: fees, rewards and account setup
Brighty Card has the higher Overall Score by 11 points (70 vs 59). Brighty Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where WhiteBIT Nova USD may still be the better personal fit.
Information checked Oct 16, 202642 official sources reviewed
01 · Make the first cut
Brighty Card is the better all-round starting point
Brighty Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallBrighty70WhiteBIT Nova USD59Higher score
CashbackBrighty48WhiteBIT Nova USD25Higher score
TravelBrighty80WhiteBIT Nova USD36Higher score
Funds controlBrighty65WhiteBIT Nova USD49Higher score
Lowest feesBrighty67WhiteBIT Nova USD60Higher score
TransfersBrighty93WhiteBIT Nova USD86Higher score
Choose Brighty Card if cashback and travel matter most
Brighty Card comes out ahead for Cashback, Travel, 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.
- Free entry plan
- USDC cashback
- Multiple account rails
Choose WhiteBIT Nova USD if its day-to-day setup suits you
WhiteBIT Nova USD does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Apple Pay and Google Pay
- Spend selected exchange assets
- No monthly maintenance fee
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Brighty70WhiteBIT Nova USD59
Brighty Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Brighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources 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 Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Brighty0.5% base · up to 1.75%WhiteBIT Nova USD0% base · up to 10%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- BrightyCustodial balanceWhiteBIT Nova USDCustodial balance
Brighty Card and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- BrightyVirtual + Physical · Apple PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Brighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Brighty Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 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
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsBrighty CardOverall70WhiteBIT Nova USDOverall59
Brighty CardOverall70WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Brighty Card70WhiteBIT Nova USD59
- Cashback score
- Brighty Card48WhiteBIT Nova USD25
- Travel score
- Brighty Card80WhiteBIT Nova USD36
- Funds control score
- Brighty Card65WhiteBIT Nova USD49
- Lowest fees score
- Brighty Card67WhiteBIT Nova USD60
- Transfers score
- Brighty Card93WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Brighty CardFree entry plan, USDC cashbackWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Brighty CardNetwork-specific FX gap, Physical terms varyWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Brighty Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesWhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Brighty Card0.3–0.7%WhiteBIT Nova USD0%
- Card spending fee
- Brighty CardNot disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Brighty CardNot disclosedWhiteBIT Nova USDNot available
- Virtual card
- Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedWhiteBIT Nova USD$0 issuance
- Physical card
- Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue priceWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Brighty Card3 plans: One, Plus, ProWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Brighty CardOne: 0.5%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Brighty CardVisa/MastercardWhiteBIT Nova USDVisa
- Card formats
- Brighty CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Brighty CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Brighty CardApple PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Brighty CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Brighty CardPublished period is ambiguous: virtual Visa €15k on One/Plus/Pro; virtual Mastercard €50k / €75k / €100k on One / Plus / ProWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Brighty CardPublished period is ambiguous: physical Visa €15k on both Plus and ProWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Brighty CardATM withdrawal limits are not published; only physical Visa fees are knownWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6WhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Brighty CardSEPA / Faster Payments, SWIFTWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Brighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Brighty CardEUR, GBP, USD, AEDWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Brighty Card0.5%WhiteBIT Nova USD0%
- Max cashback
- Brighty Card1.8%WhiteBIT Nova USD10%
- Reward currency
- Brighty CardUSDCWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Brighty CardNot disclosedWhiteBIT Nova USDNot offered
- How it works
- Brighty CardEarn on spending balanceWhiteBIT Nova USDNot offered
- Separate deposit
- Brighty CardNoWhiteBIT Nova USDNot offered
- Use balance for spending
- Brighty CardYesWhiteBIT Nova USDNot offered
- Lock-up
- Brighty CardNoWhiteBIT Nova USDNot offered
Trust & availability
6 fields- Custody
- Brighty CardCustodialWhiteBIT Nova USDCustodial
- Control until payment
- Brighty CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- Brighty CardWallester ASWhiteBIT Nova USDJSC Hash Bank
- Custody / key management
- Brighty CardFireblocksWhiteBIT Nova USDNot disclosed
- Identity verification
- Brighty CardSumsubWhiteBIT Nova USDNot disclosed
- Programme operator
- Brighty CardBTY Digital AGWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Brighty Card25WhiteBIT Nova USD17
- Last reviewed
- Brighty CardOct 6, 2026WhiteBIT Nova USDOct 16, 2026
04 · The takeaway
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 59 for 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 Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Brighty Card has the higher published base cashback rate (0.5% vs 0%).
WhiteBIT Nova USD can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Brighty Card and WhiteBIT Nova USD use the same custodial balance setup.
Brighty 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 Brighty Card and WhiteBIT Nova USD reviews first.
Continue with
Brighty Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Brighty vs WhiteBIT Nova USD FAQ
Is Brighty or WhiteBIT Nova USD better overall?
Brighty Card has the higher Overall Score (70 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, Brighty 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 Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Brighty or WhiteBIT Nova USD?
Brighty Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Brighty and WhiteBIT Nova USD differ on custody?
Brighty Card and WhiteBIT Nova USD use the same custodial balance setup.
How current is this Brighty vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.