OobitOobit
74
Side-by-side card comparison
Oobit vs WhiteBIT Nova USD: overall score versus use-case fit
Oobit Card has the higher Overall Score by 15 points (74 vs 59). Oobit Card looks stronger for Cashback, Travel, and Funds control, while WhiteBIT Nova USD comes out ahead for Lowest fees and Transfers.
Information checked Oct 16, 202633 official sources reviewed
01 · Overall score versus use-case fit
Oobit Card is the better all-round starting point
Oobit Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may be the better fit for Lowest fees and Transfers. 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.
OverallOobit74WhiteBIT Nova USD59Higher score
CashbackOobit70WhiteBIT Nova USD25Higher score
TravelOobit55WhiteBIT Nova USD36Higher score
Funds controlOobit78WhiteBIT Nova USD49Higher score
Lowest feesOobit59WhiteBIT Nova USD60Higher score
TransfersOobit65WhiteBIT Nova USD86Higher score
Choose Oobit Card if cashback and travel matter most
Oobit Card comes out ahead for Cashback, Travel, and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
Choose WhiteBIT Nova USD if lowest fees and transfers matter most
WhiteBIT Nova USD comes out ahead for 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.
- 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
- Oobit74WhiteBIT Nova USD59
Oobit Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Oobit$0 plan · Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice 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
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Oobit5% base · up to 10%WhiteBIT Nova USD0% base · up to 10%
Oobit Card has the higher published base cashback rate (5% vs 0%).
- Funds control
- OobitHybrid custodyWhiteBIT Nova USDCustodial balance
Oobit Card uses a hybrid custody 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
- OobitVirtual · 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
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Oobit 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
- 5%-10%
- Plan cost
- $0
- FX fee
- Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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
CardsOobit CardOverall74WhiteBIT Nova USDOverall59
Oobit CardOverall74WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Oobit Card74WhiteBIT Nova USD59
- Cashback score
- Oobit Card70WhiteBIT Nova USD25
- Travel score
- Oobit Card55WhiteBIT Nova USD36
- Funds control score
- Oobit Card78WhiteBIT Nova USD49
- Lowest fees score
- Oobit Card59WhiteBIT Nova USD60
- Transfers score
- Oobit Card65WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Oobit Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Oobit CardUp to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twiceWhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeWhiteBIT Nova USD0%
- Card spending fee
- Oobit Card$0.25 + 1%WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeWhiteBIT Nova USDNot available
- Virtual card
- Oobit CardFreeWhiteBIT Nova USD$0 issuance
- Physical card
- Oobit CardNot disclosedWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Oobit CardNot disclosedWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Oobit CardNot disclosedWhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Oobit CardVisaWhiteBIT Nova USDVisa
- Card formats
- Oobit CardVirtualWhiteBIT Nova USDVirtual
- ATM withdrawals
- Oobit CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Oobit CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Oobit CardNot disclosedWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Oobit CardNot disclosedWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4WhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Oobit Card5%WhiteBIT Nova USD0%
- Max cashback
- Oobit Card10%WhiteBIT Nova USD10%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Oobit CardNot offeredWhiteBIT Nova USDNot offered
- How it works
- Oobit CardNot offeredWhiteBIT Nova USDNot offered
- Separate deposit
- Oobit CardNot offeredWhiteBIT Nova USDNot offered
- Use balance for spending
- Oobit CardNot offeredWhiteBIT Nova USDNot offered
- Lock-up
- Oobit CardNot offeredWhiteBIT Nova USDNot offered
Trust & availability
3 fields- Custody
- Oobit CardHybrid custodyWhiteBIT Nova USDCustodial
- Control until payment
- Oobit CardYou keep controlWhiteBIT Nova USDProvider controls funds
- Card issuer
- Oobit CardThirdNationalWhiteBIT Nova USDJSC Hash Bank
Sources
2 fields- Official sources
- Oobit Card16WhiteBIT Nova USD17
- Last reviewed
- Oobit CardOct 6, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Oobit Card is the stronger all-round choice
Oobit Card finishes ahead with an Overall Score of 74 versus 59 for WhiteBIT Nova USD. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Oobit Card has the higher published base cashback rate (5% vs 0%).
WhiteBIT Nova USD still comes out ahead for Lowest fees and Transfers, which may matter more than the overall result if that is how you plan to use the card. Oobit Card uses a hybrid custody 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.
Oobit 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 Oobit Card and WhiteBIT Nova USD reviews first.
Continue with
Oobit Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Oobit vs WhiteBIT Nova USD FAQ
Is Oobit or WhiteBIT Nova USD better overall?
Oobit 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, Oobit or WhiteBIT Nova USD?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Oobit or WhiteBIT Nova USD?
Oobit Card has the higher published base cashback rate (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 Oobit and WhiteBIT Nova USD differ on custody?
Oobit Card uses a hybrid custody 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 Oobit vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.