WhiteBIT Card (Nova) vs Crypto.com Visa Card
How does WhiteBIT Card (Nova) compare to Crypto.com Visa Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: WhiteBIT Card (Nova) · provisional, see how we rate
Quick answer. WhiteBIT Card (Nova) and Crypto.com Visa Card are both crypto cards — here's how they differ. Key differences: annual fee (WhiteBIT Card (Nova): None (no opening, maintenance, closing, annual or monthly fees) vs Crypto.com Visa Card: Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake); foreign-spend fee (WhiteBIT Card (Nova): 1.5% conversion fee on non-USD payments (Visa exchange rate) on the USD card vs Crypto.com Visa Card: 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian)). 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 | WhiteBIT Card (Nova) | Crypto.com Visa Card |
|---|---|---|
| Our score | 8.4/10 | 7.3/10 |
| Type | Debit | Prepaid |
| Networks | Visa | Visa |
| Rewards | 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 | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% |
| Annual fee | None (no opening, maintenance, closing, annual or monthly fees) | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake |
| FX fee | 1.5% conversion fee on non-USD payments (Visa exchange rate) on the USD card | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) |
| ATM fee | — | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier |
| KYC | Full | Full |
| Custody | Custodial | Custodial |
| Supported coins | USDC, USDT, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT, EURI, DOGE (main balance assets) | Rewards paid in CRO |
| Availability | 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 | — |
Choosing between the WhiteBIT Card (Nova) and the Crypto.com Visa Card depends on your spending habits, preferences for rewards, and willingness to meet specific requirements. Both cards offer unique benefits but cater to different user needs.
Choose WhiteBIT Card (Nova) if…
- You want a straightforward fee structure: The WhiteBIT Card has no annual, monthly, opening, maintenance, or closing fees, making it a cost-effective option for everyday use.
- You prefer cashback rewards: With up to 10% cashback on selected categories and a 3% “Cashback Lite Mode” on every purchase, the WhiteBIT Card offers competitive rewards without the need for staking or subscription fees.
- You value flexibility in card type: The WhiteBIT Card is available as both a virtual and physical card, and it supports Apple Pay and Google Pay, providing versatile payment options.
- You are based in the EEA or Ukraine: The card is available in these regions, making it a convenient choice for residents.
- You prefer not to lock up funds: Unlike the Crypto.com card, the WhiteBIT Card does not require staking or locking up cryptocurrencies to access rewards.
Choose Crypto.com Visa Card if…
- You are a frequent CRO user: The card offers tiered rewards of up to 4.5% back in CRO on spending, which can be beneficial if you frequently use or hold CRO.
- You are willing to stake/lock up CRO: Higher cashback tiers and additional benefits like no foreign transaction fees on certain tiers require staking/locking up significant amounts of CRO.
- You want a tiered rewards system: The card offers a range of tiers (from Midnight Blue to Obsidian) with varying benefits, allowing you to choose a level that suits your spending and investment habits.
- You need a higher ATM withdrawal limit: Depending on the tier, the card offers higher monthly free ATM withdrawal limits compared to many other cards.
- You are comfortable with additional fees: The card has a 3% foreign transaction fee on lower tiers and a $4.95 monthly inactivity fee after 12 months of no activity.
Bottom line
Ultimately, the WhiteBIT Card (Nova) is ideal for users who prioritize a simple fee structure, cashback rewards, and flexibility without the need for staking or large fund lockups. On the other hand, the Crypto.com Visa Card is best for those who are heavily invested in CRO and are willing to stake significant amounts to unlock higher rewards and benefits. Consider your spending patterns, cryptocurrency usage, and regional availability when making your decision. For more detailed insights on how we rate cards, visit our rating methodology page.