KrakKrak
74
Side-by-side card comparison
Krak vs WhiteBIT Nova USD: fees, rewards and account setup
Krak Card has the higher Overall Score by 15 points (74 vs 59). Krak 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, 202643 official sources reviewed
01 · Make the first cut
Krak Card is the better all-round starting point
Krak 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.
OverallKrak74WhiteBIT Nova USD59Higher score
CashbackKrak41WhiteBIT Nova USD25Higher score
TravelKrak83WhiteBIT Nova USD36Higher score
Funds controlKrak56WhiteBIT Nova USD49Higher score
Lowest feesKrak72WhiteBIT Nova USD60Higher score
TransfersKrak97WhiteBIT Nova USD86Higher score
Choose Krak Card if cashback and travel matter most
Krak 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.
- No monthly fee; regional FX is 0–1%
- Both card formats and phone wallets
- Automatic cashback up to 2%
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
- Krak74WhiteBIT Nova USD59
Krak Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Krak$0 plan · 0–1% 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
Krak Card has the lower published FX fee (0–1% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete).
- Purchase rewards
- Krak0% base · up to 2%WhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- KrakCustodial balanceWhiteBIT Nova USDCustodial balance
Krak Card and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Krak Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Krak 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%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 fiat
- Payout methods
- 1 crypto · 2 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
CardsKrak CardOverall74WhiteBIT Nova USDOverall59
Krak CardOverall74WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Krak Card74WhiteBIT Nova USD59
- Cashback score
- Krak Card41WhiteBIT Nova USD25
- Travel score
- Krak Card83WhiteBIT Nova USD36
- Funds control score
- Krak Card56WhiteBIT Nova USD49
- Lowest fees score
- Krak Card72WhiteBIT Nova USD60
- Transfers score
- Krak Card97WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly fee; regional FX is 0–1%, Both card formats and phone walletsWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Krak Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Krak Card0–1%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Krak CardNot disclosedWhiteBIT Nova USD0%
- Card spending fee
- Krak Card0%WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeWhiteBIT Nova USDNot available
- Virtual card
- Krak CardFreeWhiteBIT Nova USD$0 issuance
- Physical card
- Krak CardPlastic £0/€0/$0. UK/EEA metal threshold £/€50,000; US metal threshold conflicts between $50,000 pricing and a $75,000 announcement. Confirm eligibility in app.WhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Krak Card10 plans: Starter, Lite, Pro, Elite +6WhiteBIT Nova USDNot disclosed
- Top cashback plan
- Krak CardMax: 2%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaWhiteBIT Nova USDVisa
- Card formats
- Krak CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Krak CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Krak CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Krak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/monthWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Krak CardOther crypto: Supported cryptoWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Krak CardGBP, EURWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Krak Card0%WhiteBIT Nova USD0%
- Max cashback
- Krak Card2%WhiteBIT Nova USD10%
- Reward currency
- Krak CardGBP, EUR, USD or BTCWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYWhiteBIT Nova USDNot offered
- How it works
- Krak CardOptional earn vaultWhiteBIT Nova USDNot offered
- Separate deposit
- Krak CardYesWhiteBIT Nova USDNot offered
- Use balance for spending
- Krak CardNoWhiteBIT Nova USDNot offered
- Lock-up
- Krak CardNot disclosedWhiteBIT Nova USDNot offered
Trust & availability
5 fields- Custody
- Krak CardCustodialWhiteBIT Nova USDCustodial
- Control until payment
- Krak CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateWhiteBIT Nova USDJSC Hash Bank
- Card processing
- Krak CardStripeWhiteBIT Nova USDNot disclosed
- Programme operator
- Krak CardPayward Wallet, Inc.WhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Krak Card26WhiteBIT Nova USD17
- Last reviewed
- Krak CardOct 16, 2026WhiteBIT Nova USDOct 16, 2026
04 · The takeaway
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 59 for WhiteBIT Nova USD. Krak Card has the lower published FX fee (0–1% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). Both cards show the same base cashback rate of 0%.
WhiteBIT Nova USD can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Krak Card and WhiteBIT Nova USD use the same custodial balance setup.
Krak 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 Krak Card and WhiteBIT Nova USD reviews first.
Continue with
Krak Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Krak vs WhiteBIT Nova USD FAQ
Is Krak or WhiteBIT Nova USD better overall?
Krak Card has the higher Overall Score (74 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, Krak or WhiteBIT Nova USD?
Krak Card has the lower published FX fee (0–1% 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, Krak 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 Krak and WhiteBIT Nova USD differ on custody?
Krak Card and WhiteBIT Nova USD use the same custodial balance setup.
How current is this Krak vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.