TangemTangem
79
Side-by-side card comparison
Tangem vs WhiteBIT Nova USD: overall score versus use-case fit
Tangem Card has the higher Overall Score by 20 points (79 vs 59). Tangem Card looks stronger for Cashback, Travel, Funds control, and Transfers, while WhiteBIT Nova USD comes out ahead for Lowest fees.
Information checked Oct 16, 202637 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem 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.
OverallTangem79WhiteBIT Nova USD59Higher score
CashbackTangem74WhiteBIT Nova USD25Higher score
TravelTangem64WhiteBIT Nova USD36Higher score
Funds controlTangem90WhiteBIT Nova USD49Higher score
Lowest feesTangem54WhiteBIT Nova USD60Higher score
TransfersTangem91WhiteBIT Nova USD86Higher score
Choose Tangem Card if cashback and travel matter most
Tangem 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
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
- Tangem79WhiteBIT Nova USD59
Tangem Card has the higher Overall Score by 20 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown 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
- Tangem1% base · up to 2%WhiteBIT Nova USD0% base · up to 10%
Tangem Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- TangemHybrid custodyWhiteBIT Nova USDCustodial balance
Tangem 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
- TangemVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tangem2 stablecoins · Stablecoin transfers; USD ACH withdrawal, USD Fedwire withdrawalWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Tangem 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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 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
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
CardsTangem CardOverall79WhiteBIT Nova USDOverall59
Tangem CardOverall79WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Tangem Card79WhiteBIT Nova USD59
- Cashback score
- Tangem Card74WhiteBIT Nova USD25
- Travel score
- Tangem Card64WhiteBIT Nova USD36
- Funds control score
- Tangem Card90WhiteBIT Nova USD49
- Lowest fees score
- Tangem Card54WhiteBIT Nova USD60
- Transfers score
- Tangem Card91WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%WhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Tangem Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownWhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateWhiteBIT Nova USD0%
- Card spending fee
- Tangem Card0%WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Tangem Card2–4%WhiteBIT Nova USDNot available
- Virtual card
- Tangem Card$0 for the first virtual cardWhiteBIT Nova USD$0 issuance
- Physical card
- Tangem CardBasic: destination-dependent delivery shown before order; Plus: first physical delivery freeWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Tangem CardPlus: 2%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaWhiteBIT Nova USDVisa
- Card formats
- Tangem CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Tangem CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Tangem CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Tangem CardStablecoin transfers; USD ACH withdrawal, USD Fedwire withdrawalWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Tangem CardUSD, USDCWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Tangem Card1%WhiteBIT Nova USD0%
- Max cashback
- Tangem Card2%WhiteBIT Nova USD10%
- Reward currency
- Tangem CardUSDCWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Tangem CardNot offeredWhiteBIT Nova USDNot offered
- How it works
- Tangem CardNot offeredWhiteBIT Nova USDNot offered
- Separate deposit
- Tangem CardNot offeredWhiteBIT Nova USDNot offered
- Use balance for spending
- Tangem CardNot offeredWhiteBIT Nova USDNot offered
- Lock-up
- Tangem CardNot offeredWhiteBIT Nova USDNot offered
Trust & availability
5 fields- Custody
- Tangem CardHybrid custodyWhiteBIT Nova USDCustodial
- Control until payment
- Tangem CardYou keep controlWhiteBIT Nova USDProvider controls funds
- Card issuer
- Tangem CardThird NationalWhiteBIT Nova USDJSC Hash Bank
- Card processing
- Tangem CardPaera LLCWhiteBIT Nova USDNot disclosed
- Identity verification
- Tangem CardSumsubWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Tangem Card20WhiteBIT Nova USD17
- Last reviewed
- Tangem CardOct 16, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 79 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. Tangem Card has the higher published base cashback rate (1% 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. Tangem 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.
Tangem 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 Tangem Card and WhiteBIT Nova USD reviews first.
Continue with
Tangem Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Tangem vs WhiteBIT Nova USD FAQ
Is Tangem or WhiteBIT Nova USD better overall?
Tangem Card has the higher Overall Score (79 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, Tangem 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, Tangem or WhiteBIT Nova USD?
Tangem 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 Tangem and WhiteBIT Nova USD differ on custody?
Tangem 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 Tangem vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.