Head to head
WhiteBIT Nova USD Card vs Coca Card
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Wh WhiteBIT Nova USD Card | Co Coca Card |
|---|---|---|
| Overall rank | #30 of 35 | #2 of 35 |
| FX spread | 1.5% | 1.18% |
| Base cashback | Up to 10% by category, capped at $25 a month | 1% in USDC, paid on the 10th |
| Custody | Custodial | Non-Custodial |
| Virtual card | Free | Free |
| Physical card | $1 + international shipping | |
| Spend limit | $40,000 a day, $200,000 a month | $30,000 / month |
| ATM withdrawals | Not available | Fee-free up to $250/month, network fees apply above |
| Setup time | Virtual card after KYC and card application in the app | ~8 minutes |
| KYC steps | 2 | 4 |
| Score | Not rated yet | 9.2/10 |
WhiteBIT Nova USD Card
WhiteBIT Nova USD spends straight from your exchange balance, and there's no card fee at all. The cost comes on each swipe. WhiteBIT lists 1.5% + $0.20 per transaction and a 1.5% conversion fee. Cashback goes up to 10% by category, but it's capped at $25 a month. There are no ATM withdrawals. These are WhiteBIT's own published numbers. We haven't tested this one yet.
Coca Card
Coca takes the top spot because it pairs a genuinely non-custodial wallet with stablecoin cashback that cancels out its FX spread. A single-tier upgrade unlocks up to 8% cashback, 50% off subscriptions and 5% APY, which is the best value on offer anywhere in this ranking. It's also a useful crypto wallet entirely on its own. The crypto wallet includes WalletConnect, meaning you can integrate it into your own apps.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+