ether.fiether.fi Cash
86
Side-by-side card comparison
ether.fi Cash vs WhiteBIT Nova USD: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 27 points (86 vs 59). ether.fi Cash 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, 202654 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash 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.
Overallether.fi Cash86WhiteBIT Nova USD59Higher score
Cashbackether.fi Cash84WhiteBIT Nova USD25Higher score
Travelether.fi Cash82WhiteBIT Nova USD36Higher score
Funds controlether.fi Cash96WhiteBIT Nova USD49Higher score
Lowest feesether.fi Cash65WhiteBIT Nova USD60Higher score
Transfersether.fi Cash100WhiteBIT Nova USD86Higher score
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
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
- ether.fi Cash86WhiteBIT Nova USD59
ether.fi Cash Card has the higher Overall Score by 27 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.5% 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
ether.fi Cash Card has the lower published FX fee (0–0.5% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete).
- Purchase rewards
- ether.fi Cash3% base · up to 4%WhiteBIT Nova USD0% base · up to 10%
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- ether.fi CashNon-custodial accountWhiteBIT Nova USDCustodial balance
ether.fi Cash Card uses a non-custodial account setup, while WhiteBIT Nova USD uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ether.fi CashVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
ether.fi Cash Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2WhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
ether.fi Cash Card lists more stablecoins and ways to send money out (12 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
- 3%-4%
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 18 crypto · 14 fiat
- Payout methods
- 5 crypto · 30 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
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
Cardsether.fi Cash CardOverall86WhiteBIT Nova USDOverall59
ether.fi Cash CardOverall86WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- ether.fi Cash Card86WhiteBIT Nova USD59
- Cashback score
- ether.fi Cash Card84WhiteBIT Nova USD25
- Travel score
- ether.fi Cash Card82WhiteBIT Nova USD36
- Funds control score
- ether.fi Cash Card96WhiteBIT Nova USD49
- Lowest fees score
- ether.fi Cash Card65WhiteBIT Nova USD60
- Transfers score
- ether.fi Cash Card100WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediatelyWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- ether.fi Cash Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- ether.fi Cash Card0–0.5%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- ether.fi Cash CardNot disclosedWhiteBIT Nova USD0%
- Card spending fee
- ether.fi Cash CardNot disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- ether.fi Cash CardNot disclosedWhiteBIT Nova USDNot available
- Virtual card
- ether.fi Cash CardFirst virtual card normally $0; $10 for AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH under the dedicated fee article. Check the displayed price before order.WhiteBIT Nova USD$0 issuance
- Physical card
- ether.fi Cash CardComparison page: Core $60 including shipping; one free physical card on higher tiers. Help pages describe additional-card fees and different included quantities. Confirm the order quote.WhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPWhiteBIT Nova USDNot disclosed
- Top cashback plan
- ether.fi Cash CardVIP: 4%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- ether.fi Cash CardVisaWhiteBIT Nova USDVisa
- Card formats
- ether.fi Cash CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- ether.fi Cash CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- ether.fi Cash CardiOS, Android, WebWhiteBIT Nova USDWeb
- Daily spending limit
- ether.fi Cash CardEditable defaults: $5,000/day per card; Vault $10,000/day and $10,000/month. Current tier maximum is unconfirmed; the first applicable card, Vault or MCC limit applies.WhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- ether.fi Cash CardCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.WhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10WhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8WhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- ether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10WhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- ether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2WhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- ether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22WhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%WhiteBIT Nova USD0%
- Max cashback
- ether.fi Cash Card4%WhiteBIT Nova USD10%
- Reward currency
- ether.fi Cash CardETHFI token cashbackWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.47% APYWhiteBIT Nova USDNot offered
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultWhiteBIT Nova USDNot offered
- Separate deposit
- ether.fi Cash CardNot disclosedWhiteBIT Nova USDNot offered
- Use balance for spending
- ether.fi Cash CardNot disclosedWhiteBIT Nova USDNot offered
- Lock-up
- ether.fi Cash CardNot disclosedWhiteBIT Nova USDNot offered
Trust & availability
5 fields- Custody
- ether.fi Cash CardNon-custodialWhiteBIT Nova USDCustodial
- Control until payment
- ether.fi Cash CardYou keep controlWhiteBIT Nova USDProvider controls funds
- Card issuer
- ether.fi Cash CardThird NationalWhiteBIT Nova USDJSC Hash Bank
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerWhiteBIT Nova USDNot disclosed
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- ether.fi Cash Card37WhiteBIT Nova USD17
- Last reviewed
- ether.fi Cash CardOct 6, 2026WhiteBIT Nova USDOct 16, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 86 versus 59 for WhiteBIT Nova USD. ether.fi Cash Card has the lower published FX fee (0–0.5% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). ether.fi Cash Card has the higher published base cashback rate (3% 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. ether.fi Cash Card uses a non-custodial account setup, while WhiteBIT Nova USD uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (12 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 ether.fi Cash Card and WhiteBIT Nova USD reviews first.
Continue with
ether.fi Cash Card
Continue with
WhiteBIT Nova USD
05 · Common questions
ether.fi Cash vs WhiteBIT Nova USD FAQ
Is ether.fi Cash or WhiteBIT Nova USD better overall?
ether.fi Cash Card has the higher Overall Score (86 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, ether.fi Cash or WhiteBIT Nova USD?
ether.fi Cash Card has the lower published FX fee (0–0.5% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ether.fi Cash or WhiteBIT Nova USD?
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ether.fi Cash and WhiteBIT Nova USD differ on custody?
ether.fi Cash Card uses a non-custodial account setup, while WhiteBIT Nova USD uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ether.fi Cash vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.