WhiteBIT Nova USD Card review: fees, cashback and limits
The WhiteBIT exchange's virtual USD Visa, with category cashback capped at $25 a month.
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Quick answer
WhiteBIT Nova is a virtual USD Visa that spends from your WhiteBIT exchange balance, with Apple Pay and Google Pay. There's no monthly fee or top-up surcharge. WhiteBIT's fee table lists a 1.5% conversion charge, which applies to non-USD purchases, and $0.20 per USD transaction. You pick three spending categories for cashback of 1% to 10% (subscriptions are the highest), capped at $25 a month. There's no physical card or ATM access, and eligibility varies by country.
WhiteBIT Nova at a glance
| Best for | WhiteBIT users who want to spend their exchange balance online and on subscriptions. |
|---|---|
| Skip it if | You need cash, a physical card, or you live in the EEA, where onboarding is restricted. |
| Network | Visa |
| Card issuer | JSC Hash Bank (per WhiteBIT's card terms) |
| Custody | Custodial. The card spends your WhiteBIT Main balance. |
| Card type | Prepaid USD card |
| Virtual or physical | Virtual |
| Cashback | 1% to 10% in chosen categories |
| Annual fee | No monthly fee |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | Depends on your WhiteBIT account country. WhiteBIT publishes conflicting eligibility lists and restricts card onboarding in the EEA. |
WhiteBIT Nova fees
| Card cost | Free |
|---|---|
| Annual or membership fee | No monthly fee |
| FX and cross-border | 1.5% on non-USD purchases |
| Crypto conversion | No top-up surcharge. Fund your WhiteBIT account through its normal deposit routes. |
| ATM withdrawals | Not available |
| Other fees | $0.20 per USD card transaction |
Visa applies its own exchange rate on top of any card markup. Check the fee page in the WhiteBIT Nova app for your country before you load money. To see what WhiteBIT Nova would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with WhiteBIT Nova
These are WhiteBIT Nova's own fees on the Standard tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 1.5% is higher than the median of 1% across the 62 cards we track with a published FX fee, and cheaper than 18 of them. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #30 of 32 in Latin America#25 of 28 in Asia-Pacific#19 of 21 in Middle East
Cashback and rewards
- Choose three categories, such as subscriptions (10%), taxis (5%), pets (5%), entertainment (2%) or groceries (1%)
- All categories share a $25 monthly cap. Purchases outside your categories earn nothing.
- Paid in BTC or WBT. A one-off 5% welcome bonus has applied for new cardholders.
Deposits and withdrawals
How to top up
- Spend straight from your WhiteBIT Main balance
- Deposit USDC, USDT and other crypto to WhiteBIT on many networks
- Bank deposits where your account supports them
Fees: No card top-up fee. WhiteBIT's deposit and withdrawal fees apply.
How to withdraw
- Crypto withdrawals from WhiteBIT
- SEPA withdrawals where eligible (about €5)
Fees: WhiteBIT's withdrawal fees by network.
Supported assets: USD balance funded from crypto on WhiteBIT.
Where WhiteBIT Nova works
Depends on your WhiteBIT account country. WhiteBIT publishes conflicting eligibility lists and restricts card onboarding in the EEA.
EEA onboarding restricted, plus sanctioned countries. Check the WhiteBIT app.
Limits and perks
Limits
- $40,000 a day and $200,000 a month
Perks
- Pick your cashback categories every seven days
Pros and cons
What's good
- No monthly or top-up fee
- Up to 10% back on subscriptions
- Spends straight from an exchange balance
What's not
- 1.5% on non-USD spending plus $0.20 per USD payment
- Cashback capped at $25 a month
- Virtual only, no ATM
- Unclear country eligibility
Our take on WhiteBIT Nova
WhiteBIT is a large European-founded exchange, and Nova is its virtual USD Visa. It spends directly from your WhiteBIT balance, works with Apple Pay and Google Pay, and charges no monthly or top-up fee.
Cashback works by category: you choose three, such as subscriptions at 10% or taxis at 5%, and everything else earns nothing. The $25 monthly cap keeps the real value small. Fees are modest in dollars but add up elsewhere: 1.5% on non-USD purchases and $0.20 per USD transaction. There's no physical card or ATM access.
We couldn't read WhiteBIT's help centre directly, so these fees follow cryptocard.guide's October 2026 reading of it. Check the app before you rely on them.
A handy card for WhiteBIT users paying for subscriptions in dollars. Too limited to be your main card.
How we scored WhiteBIT Nova: 4.3/10
MethodologyWhiteBIT Nova FAQ
Does the WhiteBIT card have fees?
No monthly or top-up fee. Non-USD purchases cost 1.5% and USD purchases $0.20 each, per WhiteBIT's fee table as read by cryptocard.guide.
How does WhiteBIT Nova cashback work?
You choose three categories with rates from 1% to 10%. All cashback is capped at $25 a month.
Sources
- WhiteBIT USD CardOfficial product page
- WhiteBIT Help: Nova USD card fees, limits and restricted MCCsFee table (blocked to our crawler)
- cryptocard.guide: WhiteBIT Nova USDFees, limits, cashback categories and eligibility, checked Oct 16, 2026
We checked these sources on 18 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
Compare WhiteBIT Nova with
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Wirex One
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