WhiteBITWhiteBIT Nova USD
59
Side-by-side card comparison
WhiteBIT Nova USD vs Decaf
Decaf Card has the higher Overall Score by 5 points (64 vs 59). WhiteBIT Nova USD looks stronger for Lowest fees and Transfers, while Decaf Card comes out ahead for Cashback, Travel, and Funds control.
Latest check Oct 19, 202640 official sources reviewed
WhiteBIT Nova USD
Best fit
- Spending supported crypto directly from your WhiteBIT Main balance.
- Choosing three cashback categories to match where you actually spend.
- Online and phone-wallet payments with no issuance or monthly card fee.
Before you choose
- Payments cost 1.5% + $0.20; non-USD spending also carries 1.5% FX.
- Selected categories share a $25 monthly cap; redemption starts at 5 USDC.
- The card is virtual-only, with no physical card or ATM withdrawal access.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsWhiteBIT Nova USDOverall59Decaf CardOverall64
WhiteBIT Nova USDOverall59Decaf CardOverall64Scores
- Overall Score
- WhiteBIT Nova USD59Decaf Card64
- Cashback score
- WhiteBIT Nova USD25Decaf Card29
- Travel score
- WhiteBIT Nova USD36Decaf Card60
- Funds control score
- WhiteBIT Nova USD49Decaf Card63
- Lowest fees score
- WhiteBIT Nova USD60Decaf Card57
- Transfers score
- WhiteBIT Nova USD86Decaf Card70
Costs
- Plan cost
- WhiteBIT Nova USDNot disclosedDecaf Card$0
- FX fee
- WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incompleteDecaf Card1–2%
- Top-up fee
- WhiteBIT Nova USD0%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- WhiteBIT Nova USD$0.20 + 1.5%Decaf CardNot disclosed
- ATM fee
- WhiteBIT Nova USDNot availableDecaf Card0% Decaf markup
- Virtual card
- WhiteBIT Nova USD$0 issuanceDecaf Card$5
- Physical card
- WhiteBIT Nova USDUnavailable for the current USD productDecaf Card$90 international / $10 US
Plans
- Available plans
- WhiteBIT Nova USDNot disclosedDecaf CardNot disclosed
- Top cashback plan
- WhiteBIT Nova USDNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- WhiteBIT Nova USDVisaDecaf CardVisa
- Card formats
- WhiteBIT Nova USDVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- WhiteBIT Nova USDNot availableDecaf CardNot disclosed
- Mobile wallets
- WhiteBIT Nova USDApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- WhiteBIT Nova USDiOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- WhiteBIT Nova USDUSD 40,000 dailyDecaf CardNot disclosed
- Monthly spending limit
- WhiteBIT Nova USDUSD 200,000 monthlyDecaf CardNot disclosed
- ATM limit
- WhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.Decaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- WhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9Decaf CardSolana, Stellar
- Crypto deposits
- WhiteBIT Nova USDStablecoins: USDC, USDTDecaf CardStablecoins: USDC
- Fiat deposits
- WhiteBIT Nova USDSEPA FINCI to WhiteBIT accountDecaf CardUSD, EUR and MXN account receipts
- Transfers
- WhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT accountDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- WhiteBIT Nova USDEURDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- WhiteBIT Nova USD0%Decaf CardNot disclosed
- Max cashback
- WhiteBIT Nova USD10%Decaf CardNot disclosed
- Reward currency
- WhiteBIT Nova USDNot disclosedDecaf CardNot disclosed
Earn
- Advertised APY
- WhiteBIT Nova USDNot offeredDecaf CardNot disclosed
- How it works
- WhiteBIT Nova USDNot offeredDecaf CardOptional earn vault
- Separate deposit
- WhiteBIT Nova USDNot offeredDecaf CardYes
- Use balance for spending
- WhiteBIT Nova USDNot offeredDecaf CardNot disclosed
- Lock-up
- WhiteBIT Nova USDNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- WhiteBIT Nova USDCustodialDecaf CardNon-custodial
- Control until payment
- WhiteBIT Nova USDProvider controls fundsDecaf CardNot disclosed
- Card issuer
- WhiteBIT Nova USDJSC Hash BankDecaf CardThird National, Inc.
- Card processing
- WhiteBIT Nova USDNot disclosedDecaf CardRain
- Deposits & withdrawals
- WhiteBIT Nova USDNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- WhiteBIT Nova USD19Decaf Card21
- Last reviewed
- WhiteBIT Nova USDOct 17, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose WhiteBIT Nova USD or Decaf
Paying with a physical card
Decaf offers a physical card, while WhiteBIT Nova USD does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Sending money to a bank
For bank payouts, WhiteBIT Nova USD has reviewed routes in EUR; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
WhiteBIT Nova USD's reviewed deposit assets include USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
WhiteBIT Nova USD vs Decaf FAQ
Is WhiteBIT Nova USD or Decaf better overall?
Decaf Card has the higher Overall Score (64 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, WhiteBIT Nova USD or Decaf?
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, WhiteBIT Nova USD or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do WhiteBIT Nova USD and Decaf differ on custody?
WhiteBIT Nova USD uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this WhiteBIT Nova USD vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.