KoloKolo
73
Side-by-side card comparison
Kolo vs WhiteBIT Nova USD: fees, rewards and account setup
Kolo Card has the higher Overall Score by 14 points (73 vs 59). Kolo 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, 202645 official sources reviewed
01 · Make the first cut
Kolo Card is the better all-round starting point
Kolo 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.
OverallKolo73WhiteBIT Nova USD59Higher score
CashbackKolo54WhiteBIT Nova USD25Higher score
TravelKolo70WhiteBIT Nova USD36Higher score
Funds controlKolo56WhiteBIT Nova USD49Higher score
Lowest feesKolo83WhiteBIT Nova USD60Higher score
TransfersKolo92WhiteBIT Nova USD86Higher score
Choose Kolo Card if cashback and travel matter most
Kolo 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 virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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
- Kolo73WhiteBIT Nova USD59
Kolo Card has the higher Overall Score by 14 points.
- Entry cost & FX
- Kolo$0 plan · 1% 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
Kolo Card has the lower published FX fee (1% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete).
- Purchase rewards
- Kolo1% base · up to 2%WhiteBIT Nova USD0% base · up to 10%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- KoloCustodial balanceWhiteBIT Nova USDCustodial balance
Kolo Card and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- KoloVirtual · 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
- Kolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Kolo Card lists more stablecoins and ways to send money out (10 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
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 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
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
CardsKolo CardOverall73WhiteBIT Nova USDOverall59
Kolo CardOverall73WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Kolo Card73WhiteBIT Nova USD59
- Cashback score
- Kolo Card54WhiteBIT Nova USD25
- Travel score
- Kolo Card70WhiteBIT Nova USD36
- Funds control score
- Kolo Card56WhiteBIT Nova USD49
- Lowest fees score
- Kolo Card83WhiteBIT Nova USD60
- Transfers score
- Kolo Card92WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Kolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 daysWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Kolo CardConversion and FX fees can stack, Card spending uses a custodial walletWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Kolo Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Kolo Card1%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Kolo Card0%WhiteBIT Nova USD0%
- Card spending fee
- Kolo CardNot disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Kolo Card$1 + 0.65%WhiteBIT Nova USDNot available
- Virtual card
- Kolo CardFreeWhiteBIT Nova USD$0 issuance
- Physical card
- Kolo CardPlanned for Q3 2026; not currently availableWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Kolo CardNot disclosedWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Kolo CardNot disclosedWhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Kolo CardVisaWhiteBIT Nova USDVisa
- Card formats
- Kolo CardVirtualWhiteBIT Nova USDVirtual
- ATM withdrawals
- Kolo CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Kolo CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Kolo CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Kolo Card$9,000/dayWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Kolo Card$9,000/monthWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Kolo Card$500/withdrawal; 3 withdrawals/24hWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Kolo CardNot disclosedWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10WhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Kolo CardNot disclosedWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Kolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Kolo CardEURWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Kolo Card1%WhiteBIT Nova USD0%
- Max cashback
- Kolo Card2%WhiteBIT Nova USD10%
- Reward currency
- Kolo CardBTC cashbackWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Kolo CardNot offeredWhiteBIT Nova USDNot offered
- How it works
- Kolo CardNot offeredWhiteBIT Nova USDNot offered
- Separate deposit
- Kolo CardNot offeredWhiteBIT Nova USDNot offered
- Use balance for spending
- Kolo CardNot offeredWhiteBIT Nova USDNot offered
- Lock-up
- Kolo CardNot offeredWhiteBIT Nova USDNot offered
Trust & availability
5 fields- Custody
- Kolo CardCustodialWhiteBIT Nova USDCustodial
- Control until payment
- Kolo CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- Kolo CardBanco Popular de Puerto Rico, Wirex LimitedWhiteBIT Nova USDJSC Hash Bank
- Identity verification
- Kolo CardSumSubWhiteBIT Nova USDNot disclosed
- Programme operator
- Kolo CardHardline Holding LimitedWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Kolo Card28WhiteBIT Nova USD17
- Last reviewed
- Kolo CardAug 28, 2026WhiteBIT Nova USDOct 16, 2026
04 · The takeaway
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 59 for WhiteBIT Nova USD. Kolo Card has the lower published FX fee (1% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). Kolo Card has the higher published base cashback rate (1% 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. Kolo Card and WhiteBIT Nova USD use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 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 Kolo Card and WhiteBIT Nova USD reviews first.
Continue with
Kolo Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Kolo vs WhiteBIT Nova USD FAQ
Is Kolo or WhiteBIT Nova USD better overall?
Kolo Card has the higher Overall Score (73 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, Kolo or WhiteBIT Nova USD?
Kolo Card has the lower published FX fee (1% 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, Kolo or WhiteBIT Nova USD?
Kolo Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Kolo and WhiteBIT Nova USD differ on custody?
Kolo Card and WhiteBIT Nova USD use the same custodial balance setup.
How current is this Kolo vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.