KartaKarta Personal
62
Side-by-side card comparison
Karta Personal vs WhiteBIT Nova USD: overall score versus use-case fit
Karta Personal Card has the higher Overall Score by 3 points (62 vs 59). Karta Personal Card looks stronger for Travel, Funds control, and Transfers, while WhiteBIT Nova USD comes out ahead for Cashback and Lowest fees.
Information checked Oct 16, 202642 official sources reviewed
01 · Overall score versus use-case fit
Karta Personal Card is the better all-round starting point
Karta Personal Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may be the better fit for Cashback and Lowest fees. 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.
OverallKarta Personal62WhiteBIT Nova USD59Higher score
CashbackKarta Personal15WhiteBIT Nova USD25Higher score
TravelKarta Personal47WhiteBIT Nova USD36Higher score
Funds controlKarta Personal92WhiteBIT Nova USD49Higher score
Lowest feesKarta Personal55WhiteBIT Nova USD60Higher score
TransfersKarta Personal91WhiteBIT Nova USD86Higher score
Choose Karta Personal Card if travel and funds control matter most
Karta Personal Card comes out ahead for Travel, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
Choose WhiteBIT Nova USD if cashback and lowest fees matter most
WhiteBIT Nova USD comes out ahead for Cashback and Lowest fees 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
- Karta Personal62WhiteBIT Nova USD59
Karta Personal Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% 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 1–3%).
- Purchase rewards
- Karta Personal0% cashbackWhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- Karta PersonalSelf-controlled walletWhiteBIT Nova USDCustodial balance
Karta Personal Card uses a self-controlled wallet 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
- Karta PersonalVirtual · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Karta Personal 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.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 7 fiat
- Payout methods
- 5 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
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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
CardsKarta Personal CardOverall62WhiteBIT Nova USDOverall59
Karta Personal CardOverall62WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Karta Personal Card62WhiteBIT Nova USD59
- Cashback score
- Karta Personal Card15WhiteBIT Nova USD25
- Travel score
- Karta Personal Card47WhiteBIT Nova USD36
- Funds control score
- Karta Personal Card92WhiteBIT Nova USD49
- Lowest fees score
- Karta Personal Card55WhiteBIT Nova USD60
- Transfers score
- Karta Personal Card91WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Karta Personal Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Karta Personal Card1–3%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20WhiteBIT Nova USD0%
- Card spending fee
- Karta Personal Card1.5%WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptWhiteBIT Nova USDNot available
- Virtual card
- Karta Personal Card5 USDT one-timeWhiteBIT Nova USD$0 issuance
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Karta Personal CardNot disclosedWhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Karta Personal CardVisaWhiteBIT Nova USDVisa
- Card formats
- Karta Personal CardVirtualWhiteBIT Nova USDVirtual
- ATM withdrawals
- Karta Personal CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Karta Personal CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedWhiteBIT Nova USDWeb
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17WhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Karta Personal CardUSD ACH, USD SWIFT, USD Domestic wire, EUR SEPA +3WhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Karta Personal CardNot disclosedWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Karta Personal Card0%WhiteBIT Nova USD0%
- Max cashback
- Karta Personal Card0%WhiteBIT Nova USD10%
- Reward currency
- Karta Personal CardNo cashbackWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredWhiteBIT Nova USDNot offered
- How it works
- Karta Personal CardNot offeredWhiteBIT Nova USDNot offered
- Separate deposit
- Karta Personal CardNot offeredWhiteBIT Nova USDNot offered
- Use balance for spending
- Karta Personal CardNot offeredWhiteBIT Nova USDNot offered
- Lock-up
- Karta Personal CardNot offeredWhiteBIT Nova USDNot offered
Trust & availability
6 fields- Custody
- Karta Personal CardSelf-custodyWhiteBIT Nova USDCustodial
- Control until payment
- Karta Personal CardYou keep controlWhiteBIT Nova USDProvider controls funds
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalWhiteBIT Nova USDJSC Hash Bank
- Custody / key management
- Karta Personal CardPrivyWhiteBIT Nova USDNot disclosed
- Identity verification
- Karta Personal CardSumsubWhiteBIT Nova USDNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.WhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Karta Personal Card25WhiteBIT Nova USD17
- Last reviewed
- Karta Personal CardOct 16, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Karta Personal Card is the stronger all-round choice
Karta Personal Card finishes ahead with an Overall Score of 62 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 1–3%). Both cards show the same base cashback rate of 0%.
WhiteBIT Nova USD still comes out ahead for Cashback and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Karta Personal Card uses a self-controlled wallet 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.
Karta Personal 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 Karta Personal Card and WhiteBIT Nova USD reviews first.
Continue with
Karta Personal Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Karta Personal vs WhiteBIT Nova USD FAQ
Is Karta Personal or WhiteBIT Nova USD better overall?
Karta Personal Card has the higher Overall Score (62 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, Karta Personal 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 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Karta Personal 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 Karta Personal and WhiteBIT Nova USD differ on custody?
Karta Personal Card uses a self-controlled wallet 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 Karta Personal 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.