Head to head
WhiteBIT Nova USD Card vs EtherFi
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Wh WhiteBIT Nova USD Card | Et EtherFi |
|---|---|---|
| Overall rank | #30 of 35 | #3 of 35 |
| FX spread | 1.5% | 0.51% |
| Base cashback | Up to 10% by category, capped at $25 a month | 3% instant |
| Custody | Custodial | Non-Custodial |
| Virtual card | Free | First free, $10 for additional |
| Physical card | $50 (metal unlocked on higher VIP tiers) | |
| Spend limit | $40,000 a day, $200,000 a month | Up to $30,000/day on the free Core tier |
| ATM withdrawals | Not available | $250/day limit, 2% flat fee, no free tier |
| Setup time | Virtual card after KYC and card application in the app | ~8 minutes |
| KYC steps | 2 | 5 |
| 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.
EtherFi
EtherFi charges a 0.51% spread when you swipe in a foreign currency, but the instant 3% cashback more than neutralises it. Net cost on the benchmark purchase came to $1.45, below the mid-market value of the same basket. Stay under the $2,000 monthly cap and the card pays you to spend.
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+