TriaTria
67
Side-by-side card comparison
Tria vs WhiteBIT Nova USD: overall score versus use-case fit
Tria Card has the higher Overall Score by 8 points (67 vs 59). Tria 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, 202638 official sources reviewed
01 · Overall score versus use-case fit
Tria Card is the better all-round starting point
Tria 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.
OverallTria67WhiteBIT Nova USD59Higher score
CashbackTria45WhiteBIT Nova USD25Higher score
TravelTria63WhiteBIT Nova USD36Higher score
Funds controlTria91WhiteBIT Nova USD49Higher score
Lowest feesTria51WhiteBIT Nova USD60Higher score
TransfersTria63WhiteBIT Nova USD86Higher score
Choose Tria Card if cashback and travel matter most
Tria 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.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
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
- Tria67WhiteBIT Nova USD59
Tria Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Tria$20/year plan · 0–3% 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 0–3%).
- Purchase rewards
- Tria1.5% base · up to 6%WhiteBIT Nova USD0% base · up to 10%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- TriaSelf-controlled walletWhiteBIT Nova USDCustodial balance
Tria 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
- TriaVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Tria Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tria2 stablecoins · Stablecoin transfersWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
WhiteBIT Nova USD lists more stablecoins and ways to send money out (4 vs 3).
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
- 1.5%-6%
- Plan cost
- $20/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 crypto · 0 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
CardsTria CardOverall67WhiteBIT Nova USDOverall59
Tria CardOverall67WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Tria Card67WhiteBIT Nova USD59
- Cashback score
- Tria Card45WhiteBIT Nova USD25
- Travel score
- Tria Card63WhiteBIT Nova USD36
- Funds control score
- Tria Card91WhiteBIT Nova USD49
- Lowest fees score
- Tria Card51WhiteBIT Nova USD60
- Transfers score
- Tria Card63WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Tria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet accessWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Tria CardEntry tier is paid, Funding and FX use separate fee layersWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Tria Card$20/yearWhiteBIT Nova USDNot disclosed
- FX fee
- Tria Card0–3%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Tria Card1%WhiteBIT Nova USD0%
- Card spending fee
- Tria CardNot disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2WhiteBIT Nova USDNot available
- Virtual card
- Tria Card$20/year Lite membership; issued after payment and KYCWhiteBIT Nova USD$0 issuance
- Physical card
- Tria CardPro $109/year PVC card + virtual; Max $250/year metal card + virtual; shipping is country/batch gatedWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Tria Card3 plans: Lite, Pro, MaxWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Tria CardMax: 6%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Tria CardVisaWhiteBIT Nova USDVisa
- Card formats
- Tria CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Tria CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Tria CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Tria CardiOS, Android, WebWhiteBIT Nova USDWeb
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2WhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Tria CardNot disclosedWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Tria CardStablecoin transfersWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Tria CardNot disclosedWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Tria Card1.5%WhiteBIT Nova USD0%
- Max cashback
- Tria Card6%WhiteBIT Nova USD10%
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Tria CardUp to 15% APYWhiteBIT Nova USDNot offered
- How it works
- Tria CardOptional earn vaultWhiteBIT Nova USDNot offered
- Separate deposit
- Tria CardNot disclosedWhiteBIT Nova USDNot offered
- Use balance for spending
- Tria CardNot disclosedWhiteBIT Nova USDNot offered
- Lock-up
- Tria CardNoWhiteBIT Nova USDNot offered
Trust & availability
4 fields- Custody
- Tria CardSelf-custodyWhiteBIT Nova USDCustodial
- Control until payment
- Tria CardYou keep controlWhiteBIT Nova USDProvider controls funds
- Card issuer
- Tria CardNimbus, LLC, Third NationalWhiteBIT Nova USDJSC Hash Bank
- Programme operator
- Tria CardThreely Dimensions Inc.WhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Tria Card21WhiteBIT Nova USD17
- Last reviewed
- Tria CardSep 30, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Tria Card is the stronger all-round choice
Tria Card finishes ahead with an Overall Score of 67 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 0–3%). Tria Card has the higher published base cashback rate (1.5% 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. Tria 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.
WhiteBIT Nova USD lists more stablecoins and ways to send money out (4 vs 3). 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 Tria Card and WhiteBIT Nova USD reviews first.
Continue with
Tria Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Tria vs WhiteBIT Nova USD FAQ
Is Tria or WhiteBIT Nova USD better overall?
Tria Card has the higher Overall Score (67 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, Tria 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 0–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tria or WhiteBIT Nova USD?
Tria Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tria and WhiteBIT Nova USD differ on custody?
Tria 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 Tria vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.