NexoNexo
66
Side-by-side card comparison
Nexo vs WhiteBIT Nova USD: overall score versus use-case fit
Nexo Card has the higher Overall Score by 7 points (66 vs 59). Nexo Card looks stronger for Cashback, Travel, Funds control, and Transfers, while WhiteBIT Nova USD comes out ahead for Lowest fees.
Information checked Oct 16, 202631 official sources reviewed
01 · Overall score versus use-case fit
Nexo Card is the better all-round starting point
Nexo Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may be the better fit for 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.
OverallNexo66WhiteBIT Nova USD59Higher score
CashbackNexo41WhiteBIT Nova USD25Higher score
TravelNexo65WhiteBIT Nova USD36Higher score
Funds controlNexo52WhiteBIT Nova USD49Higher score
Lowest feesNexo57WhiteBIT Nova USD60Higher score
TransfersNexo91WhiteBIT Nova USD86Higher score
Choose Nexo Card if cashback and travel matter most
Nexo Card comes out ahead for Cashback, 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.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose WhiteBIT Nova USD if lowest fees matters most
WhiteBIT Nova USD comes out ahead for 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
- Nexo66WhiteBIT Nova USD59
Nexo Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% 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
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 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%WhiteBIT Nova USD0% base · up to 10%
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceWhiteBIT Nova USDCustodial balance
Nexo Card and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Nexo Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Nexo Card lists more stablecoins and ways to send money out (5 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
- 0.5%-2%
- Plan cost
- $0
- FX fee
- 0.2–2.5%
- ATM fee
- 0–2%; minimum 1.99 EUR/GBP
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 4 crypto · 3 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
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
CardsNexo CardOverall66WhiteBIT Nova USDOverall59
Nexo CardOverall66WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Nexo Card66WhiteBIT Nova USD59
- Cashback score
- Nexo Card41WhiteBIT Nova USD25
- Travel score
- Nexo Card65WhiteBIT Nova USD36
- Funds control score
- Nexo Card52WhiteBIT Nova USD49
- Lowest fees score
- Nexo Card57WhiteBIT Nova USD60
- Transfers score
- Nexo Card91WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Nexo Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Nexo Card0.2–2.5%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Nexo CardNot disclosedWhiteBIT Nova USD0%
- Card spending fee
- Nexo CardNot disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPWhiteBIT Nova USDNot available
- Virtual card
- Nexo CardAvailable from $50 account balanceWhiteBIT Nova USD$0 issuance
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardWhiteBIT Nova USDVisa
- Card formats
- Nexo CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Nexo CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Nexo CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebWhiteBIT Nova USDWeb
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3WhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Nexo CardNexo account bank depositWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Nexo CardEUR, GBP, USDWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Nexo Card0.5%WhiteBIT Nova USD0%
- Max cashback
- Nexo Card2%WhiteBIT Nova USD10%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYWhiteBIT Nova USDNot offered
- How it works
- Nexo CardEarn on spending balanceWhiteBIT Nova USDNot offered
- Separate deposit
- Nexo CardNot disclosedWhiteBIT Nova USDNot offered
- Use balance for spending
- Nexo CardYesWhiteBIT Nova USDNot offered
- Lock-up
- Nexo CardNoWhiteBIT Nova USDNot offered
Trust & availability
4 fields- Custody
- Nexo CardCustodialWhiteBIT Nova USDCustodial
- Control until payment
- Nexo CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- Nexo CardDiPocket UABWhiteBIT Nova USDJSC Hash Bank
- Programme operator
- Nexo CardNexo Services Sp. z o.o.WhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Nexo Card14WhiteBIT Nova USD17
- Last reviewed
- Nexo CardSep 2, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Nexo Card is the stronger all-round choice
Nexo Card finishes ahead with an Overall Score of 66 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 0.2–2.5%). Nexo Card has the higher published base cashback rate (0.5% vs 0%).
WhiteBIT Nova USD still comes out ahead for Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Nexo Card and WhiteBIT Nova USD use the same custodial balance setup.
Nexo 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 Nexo Card and WhiteBIT Nova USD reviews first.
Continue with
Nexo Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Nexo vs WhiteBIT Nova USD FAQ
Is Nexo or WhiteBIT Nova USD better overall?
Nexo Card has the higher Overall Score (66 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, Nexo 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 0.2–2.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Nexo or WhiteBIT Nova USD?
Nexo 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 Nexo and WhiteBIT Nova USD differ on custody?
Nexo Card and WhiteBIT Nova USD use the same custodial balance setup.
How current is this Nexo vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 31 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.