Phemex Card vs WhiteBIT Card (Nova)
How does Phemex Card compare to WhiteBIT Card (Nova)? A side-by-side look at fees, rewards, custody and availability.
Higher score: WhiteBIT Card (Nova) · provisional, see how we rate
Quick answer. Phemex Card and WhiteBIT Card (Nova) are both crypto cards — here's how they differ. Key differences: network (Phemex Card: Mastercard vs WhiteBIT Card (Nova): Visa); annual fee (Phemex Card: $0 (no card issuance fee, no annual fee, no account closure fee) vs WhiteBIT Card (Nova): None (no opening, maintenance, closing, annual or monthly fees)). Our provisional scoring rates WhiteBIT Card (Nova) higher (8.4/10 vs 7.3/10), but the best pick depends on your country and how you spend.
| Feature | Phemex Card | WhiteBIT Card (Nova) |
|---|---|---|
| Our score | 7.3/10 | 8.4/10 |
| Type | Virtual | Debit |
| Networks | Mastercard | Visa |
| Rewards | Up to 1% unlimited cashback (no caps), paid in USDT | Up to 10% cashback on selected categories (EUR card max 25 EUR/month); USD card advertised up to 10% cashback; 3% 'Cashback Lite Mode' on every purchase |
| Annual fee | $0 (no card issuance fee, no annual fee, no account closure fee) | None (no opening, maintenance, closing, annual or monthly fees) |
| FX fee | — | 1.5% conversion fee on non-USD payments (Visa exchange rate) on the USD card |
| ATM fee | — | — |
| KYC | Full | Full |
| Custody | Custodial | Custodial |
| Supported coins | USDT, USDC | USDC, USDT, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT, EURI, DOGE (main balance assets) |
| Availability | European Economic Area (EEA); more regions coming soon | EEA: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein; plus Ukraine |
| Apple / Google Pay | Yes | Yes |
When choosing between the Phemex Card and the WhiteBIT Card (Nova), your decision should be based on your specific needs and preferences. Both cards offer unique features and benefits, but they cater to different user priorities.
Choose Phemex Card if…
- You want to spend stablecoins like USDT and USDC directly via Mastercard.
- You prefer a card with no issuance, annual, or closure fees.
- You are interested in earning up to 1% unlimited cashback paid in USDT.
- You value compatibility with popular digital wallets like Apple Pay, Google Pay, PayPal, Alipay, and WeChat Pay.
- You reside in the European Economic Area (EEA) and are comfortable with a virtual-only card for now.
Choose WhiteBIT Card (Nova) if…
- You want the flexibility of a physical or virtual card, both supported by Apple Pay and Google Pay.
- You are looking for higher cashback rates, with up to 10% on selected categories (though capped at 25 EUR/month for EUR cards).
- You prefer a card that supports a wider range of cryptocurrencies, including BTC, ETH, XRP, and more.
- You are comfortable with a 1.5% conversion fee on non-USD payments for the USD card.
- You live in the EEA or Ukraine and want a card issued by a licensed Visa Principal Member.
Bottom line
Both the Phemex Card and the WhiteBIT Card (Nova) offer distinct advantages, but they cater to different user profiles. If you prioritize spending stablecoins with no fees and unlimited cashback, the Phemex Card is a strong choice. However, if you prefer a card with broader cryptocurrency support, higher cashback potential, and the option for a physical card, the WhiteBIT Card (Nova) might be more suitable. For more detailed comparisons, you can visit our how we rate page to understand our evaluation criteria.