Yearly cost at three spending levels
| Monthly spend | Binance Card | WhiteBIT Nova |
|---|---|---|
| $500 | +$20.40 Tier 2 | ≤ -$90 Category cashback |
| $2,000 | +$386.40 Tier 3 | ≤ -$360 Category cashback |
| $5,000 | +$398.40 Tier 3 | ≤ -$900 Category cashback |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Binance Card Tier 3 | WhiteBIT Nova Category cashback |
|---|---|---|
| Top-up and conversion fees | -$237.60 | Not disclosed |
| Spending fees | $0 | -$360 |
| Foreign exchange markup | -$96 | Not disclosed |
| ATM fees | $0 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$720 | Not disclosed |
| Net per year | +$386.40 | -$360 |
Fees
Binance Card charges 0.9% to convert or top up and 2% on spending in a foreign currency. WhiteBIT Nova charges Not disclosed and Not disclosed.
ATM withdrawals: Binance Card $1.50 after 2 free a month; WhiteBIT Nova no atm access (virtual card only).
A virtual card costs nothing with Binance Card and nothing with WhiteBIT Nova. A physical card costs $10 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Binance Card cashback: 1.5% to 3%. WhiteBIT Nova cashback: Variable, not published.
Binance Card tiers: Tier 1: 1.5%; Tier 2: 2% from $100 of monthly spend; Tier 3: 3%, capped at $100 a month from $1,000 of monthly spend.
WhiteBIT Nova tiers: Category cashback: rate not published, capped at $25 a month.
Binance Card: Tiers updated on 1 June 2026. The tier you reach in a calendar month applies to all of that month's eligible spending, and cashback is paid by the 10th of the next month in USDC or BTC depending on your country. Brazil uses the same rates in BRL with a R$500 cap.
WhiteBIT Nova: You pick 3 cashback categories, which you can change once every 7 days. Rates change and are shown only in the app. Cashback is paid in BTC or WBT, capped at $25 a month, and can be withdrawn once it reaches 5 USDC. New users get 5% cashback on their first transaction. No cashback is paid on transactions in restricted territories, including the US.
Availability and KYC
Binance Card is offered in 8 countries, including Australia, Mexico, Argentina and Brazil. Binance runs the card through its Global Program in "selected countries" and confirms eligibility at application. Its support pages name Australia, New Zealand, Mexico, Colombia, Peru and Armenia, plus some CIS countries it doesn't list, and separate programs in Argentina and Brazil. It isn't offered in the US, the UK or the EU.
WhiteBIT Nova is offered in 133 countries, including India, Malaysia, Singapore, Turkey, United Arab Emirates, Argentina, Australia, Brazil, Indonesia and Mexico. Not available in the US, UK or Canada - WhiteBIT does not accept identity documents from those countries. The list follows WhiteBIT's help article of 16 Sep 2026. Another article on the same help centre also lists EEA countries, and Bahrain appears in some lists but not others. The older EUR-denominated Nova card, issued by Wallester, has been suspended since 30 June 2026 until WhiteBIT Europe launches.
Binance Card needs full KYC and WhiteBIT Nova needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Binance Card publishes a daily spending limit of $5,000 and a monthly limit of $15,000.
WhiteBIT Nova publishes a daily spending limit of $40,000 and a monthly limit of $200,000.
Binance Card works with Apple Pay, and WhiteBIT Nova works with Apple Pay and Google Pay. Binance Card and WhiteBIT Nova issue a virtual card you can use straight away.
Custody and safety
Binance Card scores 61/100. Licensing: holds a licence or registration outside the tier-one list (Outside Brazil and Argentina, the card is issued by Immersve Limited, a New Zealand company (FSP1003031) and Mastercard Global Reach partner. In Brazil it is issued by Dock, a payment institution regulated by the Central Bank of Brazil). The card is issued through Immersve Limited. 2023-11-21: Binance pleaded guilty in the US to anti-money laundering and sanctions violations and agreed to pay more than $4 billion. Binance stopped offering new crypto-asset services in the EU from 1 July 2026 after withdrawing its MiCA application.
WhiteBIT Nova is not scored yet, because not every safety factor has been checked against a source. Published licensing: Visa debit card issued in partnership with JSC Hash Bank (Georgia). The card is issued through JSC Hash Bank. The whitebit.com user agreement names a group of operating companies, including UAB Clear White Technologies (Lithuania) and WhiteBIT Georgia LLC. No official regulator enforcement release was found, but the search did not cover every regulator's register. The EUR card (Wallester AS, Estonia) was suspended on 30 June 2026 as part of the move to MiCA.
Full reports: Binance Card safety check and WhiteBIT Nova safety check.
About each card
Binance Card is a custodial Mastercard from Binance. It tops up with USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP.
WhiteBIT Nova USD Card is a custodial Visa card from WhiteBIT (whitebit.com). It tops up with USDC, USDT, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT and DOGE. The USD card is open to new applicants with no waitlist. The EUR Nova card is suspended.
Which card fits you
Binance Card fits if
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You want a higher cashback ceiling (up to 3%).
WhiteBIT Nova fits if
- Its fees and availability match your situation better on the table above.
Read more: Binance Card fees and details · WhiteBIT Nova fees and details · Binance Card review