ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs WhiteBIT Nova USD: fees, rewards and account setup
ZEN Card has the higher Overall Score by 18 points (77 vs 59). ZEN Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where WhiteBIT Nova USD may still be the better personal fit.
Information checked Oct 16, 202660 official sources reviewed
01 · Make the first cut
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallZEN77WhiteBIT Nova USD59Higher score
CashbackZEN39WhiteBIT Nova USD25Higher score
TravelZEN96WhiteBIT Nova USD36Higher score
Funds controlZEN65WhiteBIT Nova USD49Higher score
Lowest feesZEN81WhiteBIT Nova USD60Higher score
TransfersZEN98WhiteBIT Nova USD86Higher score
Choose ZEN Card if cashback and travel matter most
ZEN Card comes out ahead for Cashback, Travel, Funds control, 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.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
Choose WhiteBIT Nova USD if its day-to-day setup suits you
WhiteBIT Nova USD does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Apple Pay and Google Pay
- Spend selected exchange assets
- No monthly maintenance fee
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- ZEN77WhiteBIT Nova USD59
ZEN Card has the higher Overall Score by 18 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% 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
ZEN Card has the lower published FX fee (0–0.5% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete).
- Purchase rewards
- ZEN0% baseWhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- ZENCustodial balanceWhiteBIT Nova USDCustodial balance
ZEN Card and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
ZEN Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 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
Compare 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
CardsZEN CardOverall77WhiteBIT Nova USDOverall59
ZEN CardOverall77WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- ZEN Card77WhiteBIT Nova USD59
- Cashback score
- ZEN Card39WhiteBIT Nova USD25
- Travel score
- ZEN Card96WhiteBIT Nova USD36
- Funds control score
- ZEN Card65WhiteBIT Nova USD49
- Lowest fees score
- ZEN Card81WhiteBIT Nova USD60
- Transfers score
- ZEN Card98WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- ZEN Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- ZEN Card0–0.5%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- ZEN Card0–3%WhiteBIT Nova USD0%
- Card spending fee
- ZEN Card0%WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- ZEN Card0–1.5%WhiteBIT Nova USDNot available
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5WhiteBIT Nova USD$0 issuance
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10WhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProWhiteBIT Nova USDNot disclosed
- Top cashback plan
- ZEN CardFree: 0%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaWhiteBIT Nova USDVisa
- Card formats
- ZEN CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- ZEN CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- ZEN CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebWhiteBIT Nova USDWeb
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)WhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- ZEN CardNot publicly confirmedWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)WhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- ZEN CardEURWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- ZEN Card0%WhiteBIT Nova USD0%
- Max cashback
- ZEN CardNot disclosedWhiteBIT Nova USD10%
- Reward currency
- ZEN CardTransaction currencyWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- ZEN CardNot offeredWhiteBIT Nova USDNot offered
- How it works
- ZEN CardNot offeredWhiteBIT Nova USDNot offered
- Separate deposit
- ZEN CardNot offeredWhiteBIT Nova USDNot offered
- Use balance for spending
- ZEN CardNot offeredWhiteBIT Nova USDNot offered
- Lock-up
- ZEN CardNot offeredWhiteBIT Nova USDNot offered
Trust & availability
4 fields- Custody
- ZEN CardCustodialWhiteBIT Nova USDCustodial
- Control until payment
- ZEN CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMWhiteBIT Nova USDJSC Hash Bank
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- ZEN Card43WhiteBIT Nova USD17
- Last reviewed
- ZEN CardOct 7, 2026WhiteBIT Nova USDOct 16, 2026
04 · The takeaway
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 59 for WhiteBIT Nova USD. ZEN Card has the lower published FX fee (0–0.5% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). Both cards show the same base cashback rate of 0%.
WhiteBIT Nova USD can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ZEN Card and WhiteBIT Nova USD use the same custodial balance setup.
ZEN 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 ZEN Card and WhiteBIT Nova USD reviews first.
Continue with
ZEN Card
Continue with
WhiteBIT Nova USD
05 · Common questions
ZEN vs WhiteBIT Nova USD FAQ
Is ZEN or WhiteBIT Nova USD better overall?
ZEN Card has the higher Overall Score (77 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, ZEN or WhiteBIT Nova USD?
ZEN Card has the lower published FX fee (0–0.5% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ZEN 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 ZEN and WhiteBIT Nova USD differ on custody?
ZEN Card and WhiteBIT Nova USD use the same custodial balance setup.
How current is this ZEN vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 60 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.