PhantomPhantom
59
Side-by-side card comparison
Phantom vs WhiteBIT Nova USD: same score, different trade-offs
Phantom Card and WhiteBIT Nova USD share an Overall Score of 59. Phantom Card looks stronger for Funds control and Transfers, while WhiteBIT Nova USD comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Oct 16, 202631 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Phantom Card and WhiteBIT Nova USD have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallPhantom59WhiteBIT Nova USD59Same score
CashbackPhantom14WhiteBIT Nova USD25Higher score
TravelPhantom25WhiteBIT Nova USD36Higher score
Funds controlPhantom89WhiteBIT Nova USD49Higher score
Lowest feesPhantom44WhiteBIT Nova USD60Higher score
TransfersPhantom88WhiteBIT Nova USD86Higher score
Choose Phantom Card if funds control and transfers matter most
Phantom Card comes out ahead for 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.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
Choose WhiteBIT Nova USD if cashback and travel matter most
WhiteBIT Nova USD comes out ahead for Cashback, Travel, 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 the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Phantom59WhiteBIT Nova USD59
Both cards have the same displayed Overall Score of 59.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation 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
- Phantom0% cashbackWhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- PhantomSelf-controlled walletWhiteBIT Nova USDCustodial balance
Phantom 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
- PhantomVirtual · 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
- Phantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Phantom Card lists more stablecoins and ways to send money out (8 vs 4).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- Cashback
- 0%
- Plan cost
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 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
Put 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
CardsPhantom CardOverall59WhiteBIT Nova USDOverall59
Phantom CardOverall59WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Phantom Card59WhiteBIT Nova USD59
- Cashback score
- Phantom Card14WhiteBIT Nova USD25
- Travel score
- Phantom Card25WhiteBIT Nova USD36
- Funds control score
- Phantom Card89WhiteBIT Nova USD49
- Lowest fees score
- Phantom Card44WhiteBIT Nova USD60
- Transfers score
- Phantom Card88WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Phantom CardNot disclosedWhiteBIT Nova USDNot disclosed
- FX fee
- Phantom CardMay apply; shown before confirmationWhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Phantom Card0.3–3.5%WhiteBIT Nova USD0%
- Card spending fee
- Phantom Card0%WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Phantom CardNot availableWhiteBIT Nova USDNot available
- Virtual card
- Phantom CardFree virtual cardWhiteBIT Nova USD$0 issuance
- Physical card
- Phantom CardNot availableWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Phantom CardNot disclosedWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Phantom CardNot disclosedWhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Phantom CardVisaWhiteBIT Nova USDVisa
- Card formats
- Phantom CardVirtualWhiteBIT Nova USDVirtual
- ATM withdrawals
- Phantom CardNot availableWhiteBIT Nova USDNot available
- Mobile wallets
- Phantom CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Phantom Card$2,000 standard daily limit; eligibility for up to $5,000/day is assessed automatically after 30 days and transaction historyWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Phantom CardNot availableWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Phantom CardSolanaWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Phantom CardUSDWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Phantom Card0%WhiteBIT Nova USD0%
- Max cashback
- Phantom Card0%WhiteBIT Nova USD10%
- Reward currency
- Phantom CardNot applicableWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedWhiteBIT Nova USDNot offered
- How it works
- Phantom CardOptional earn vaultWhiteBIT Nova USDNot offered
- Separate deposit
- Phantom CardYesWhiteBIT Nova USDNot offered
- Use balance for spending
- Phantom CardNoWhiteBIT Nova USDNot offered
- Lock-up
- Phantom CardNot disclosedWhiteBIT Nova USDNot offered
Trust & availability
6 fields- Custody
- Phantom CardSelf-custodyWhiteBIT Nova USDCustodial
- Control until payment
- Phantom CardYou keep controlWhiteBIT Nova USDProvider controls funds
- Card issuer
- Phantom CardLead BankWhiteBIT Nova USDJSC Hash Bank
- Card processing
- Phantom CardBridge Ventures LLC, Galileo, StripeWhiteBIT Nova USDNot disclosed
- Deposits & withdrawals
- Phantom CardStripeWhiteBIT Nova USDNot disclosed
- Identity verification
- Phantom CardLinkWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Phantom Card14WhiteBIT Nova USD17
- Last reviewed
- Phantom CardOct 14, 2026WhiteBIT Nova USDOct 16, 2026
04 · The closer call
Phantom Card and WhiteBIT Nova USD need a closer personal call
The Overall Score ends level at 59, so there is no honest all-round winner here. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Phantom Card looks stronger for Funds control and Transfers, while WhiteBIT Nova USD comes out ahead for Cashback, Travel, and Lowest fees. Phantom 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.
Phantom Card lists more stablecoins and ways to send money out (8 vs 4). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Phantom Card and WhiteBIT Nova USD reviews first.
Continue with
Phantom Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Phantom vs WhiteBIT Nova USD FAQ
Is Phantom or WhiteBIT Nova USD better overall?
Phantom Card and WhiteBIT Nova USD tie at 59 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Phantom 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, Phantom 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 Phantom and WhiteBIT Nova USD differ on custody?
Phantom 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 Phantom 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.