TuyoTuyo
76
Side-by-side card comparison
Tuyo vs WhiteBIT Nova USD: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 17 points (76 vs 59). Tuyo Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while WhiteBIT Nova USD comes out ahead for Transfers.
Information checked Oct 16, 202629 official sources reviewed
01 · Overall score versus use-case fit
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may be the better fit for 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.
OverallTuyo76WhiteBIT Nova USD59Higher score
CashbackTuyo40WhiteBIT Nova USD25Higher score
TravelTuyo69WhiteBIT Nova USD36Higher score
Funds controlTuyo100WhiteBIT Nova USD49Higher score
Lowest feesTuyo70WhiteBIT Nova USD60Higher score
TransfersTuyo70WhiteBIT Nova USD86Higher score
Choose Tuyo Card if cashback and travel matter most
Tuyo Card comes out ahead for Cashback, Travel, Funds control, 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.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- USDC funding and optional Cash interest
Choose WhiteBIT Nova USD if transfers matters most
WhiteBIT Nova USD comes out ahead for 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
- Tuyo76WhiteBIT Nova USD59
Tuyo Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Tuyo$0 plan · 1–2% 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 1–2%).
- Purchase rewards
- Tuyo0% base · up to 100%WhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletWhiteBIT Nova USDCustodial balance
Tuyo 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
- TuyoVirtual · 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
- Tuyo1 stablecoin · 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
- 0%-100%
- Plan cost
- $0
- FX fee
- 1–2%
- ATM fee
- Operator/bank charges may apply; included within the $250 withdrawal maximum
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 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
CardsTuyo CardOverall76WhiteBIT Nova USDOverall59
Tuyo CardOverall76WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Tuyo Card76WhiteBIT Nova USD59
- Cashback score
- Tuyo Card40WhiteBIT Nova USD25
- Travel score
- Tuyo Card69WhiteBIT Nova USD36
- Funds control score
- Tuyo Card100WhiteBIT Nova USD49
- Lowest fees score
- Tuyo Card70WhiteBIT Nova USD60
- Transfers score
- Tuyo Card70WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Tuyo CardReward value is unpredictable, Physical card is still plannedWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Tuyo Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Tuyo Card1–2%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Tuyo CardNot disclosedWhiteBIT Nova USD0%
- Card spending fee
- Tuyo Card0%WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Tuyo CardOperator/bank charges may apply; included within the $250 withdrawal maximumWhiteBIT Nova USDNot available
- Virtual card
- Tuyo CardFreeWhiteBIT Nova USD$0 issuance
- Physical card
- Tuyo CardComing soon; not currently availableWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Tuyo CardNot disclosedWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Tuyo CardNot disclosedWhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Tuyo CardVisaWhiteBIT Nova USDVisa
- Card formats
- Tuyo CardVirtualWhiteBIT Nova USDVirtual
- ATM withdrawals
- Tuyo CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Tuyo CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Tuyo CardNew cards: up to $50,000/day; can rise to $100,000 after $50,000 cumulative purchases and $200,000 after $100,000WhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.WhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Tuyo Card$250 per withdrawal including operator surcharge; at most 3 attempts in any rolling 24 hours, including declinesWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, BNB Smart Chain, PolygonWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Tuyo CardStablecoins: USDCWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Tuyo CardVirtual-account receivingWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Tuyo CardStablecoin transfersWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Tuyo CardNot disclosedWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Tuyo Card0%WhiteBIT Nova USD0%
- Max cashback
- Tuyo Card100%WhiteBIT Nova USD10%
- Reward currency
- Tuyo CardUSDWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Tuyo CardNot disclosedWhiteBIT Nova USDNot offered
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultWhiteBIT Nova USDNot offered
- Separate deposit
- Tuyo CardYesWhiteBIT Nova USDNot offered
- Use balance for spending
- Tuyo CardYesWhiteBIT Nova USDNot offered
- Lock-up
- Tuyo CardNot disclosedWhiteBIT Nova USDNot offered
Trust & availability
6 fields- Custody
- Tuyo CardSelf-custodyWhiteBIT Nova USDCustodial
- Control until payment
- Tuyo CardYou keep controlWhiteBIT Nova USDProvider controls funds
- Card issuer
- Tuyo CardThird NationalWhiteBIT Nova USDJSC Hash Bank
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)WhiteBIT Nova USDNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)WhiteBIT Nova USDNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12WhiteBIT Nova USD17
- Last reviewed
- Tuyo CardOct 16, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 76 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 1–2%). Both cards show the same base cashback rate of 0%.
WhiteBIT Nova USD still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. Tuyo 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 Tuyo Card and WhiteBIT Nova USD reviews first.
Continue with
Tuyo Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Tuyo vs WhiteBIT Nova USD FAQ
Is Tuyo or WhiteBIT Nova USD better overall?
Tuyo Card has the higher Overall Score (76 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, Tuyo 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 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tuyo 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 Tuyo and WhiteBIT Nova USD differ on custody?
Tuyo 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 Tuyo vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.