Yearly cost at three spending levels
| Monthly spend | ether.fi Cash | WhiteBIT Nova |
|---|---|---|
| $500 | ≤ +$162 Core | ≤ -$90 Category cashback |
| $2,000 | ≤ +$648 Core | ≤ -$360 Category cashback |
| $5,000 | ≤ +$540 Core | ≤ -$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 | ether.fi Cash Core | WhiteBIT Nova Category cashback |
|---|---|---|
| Top-up and conversion fees | Not disclosed | Not disclosed |
| Spending fees | Not disclosed | -$360 |
| Foreign exchange markup | -$72 | Not disclosed |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$720 | Not disclosed |
| Net per year | +$648 | -$360 |
Fees
ether.fi Cash charges Not disclosed to convert or top up and 1.5% on spending in a foreign currency. WhiteBIT Nova charges Not disclosed and Not disclosed.
ATM withdrawals: ether.fi Cash not disclosed; WhiteBIT Nova no atm access (virtual card only).
A virtual card costs nothing with ether.fi Cash and nothing with WhiteBIT Nova. A physical card costs an undisclosed fee and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
ether.fi Cash cashback: 3% to 4%. WhiteBIT Nova cashback: Variable, not published.
ether.fi Cash tiers: Core: 3% on the first $2,000 a month; Luxe: 3% on the first $10,000 a month; Pinnacle: 3% on the first $50,000 a month; VIP: 4% on the first $50,000 a month.
WhiteBIT Nova tiers: Category cashback: rate not published, capped at $25 a month.
ether.fi Cash: Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.
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 Cashback is paid in BTC or WBT, capped at $25 a month, and can be withdrawn once it reaches 5 USDC.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
ether.fi Cash is offered in 91 countries, including Argentina, Australia, Brazil, Canada, France, Germany, Indonesia, Italy, Malaysia and Mexico. ether.fi lists these jurisdictions. In the US the card is available in 31 states and Washington D.C. only. Belgium and Ireland are eligible, but physical cards are not delivered there. In some countries (including Argentina, Indonesia, Mexico, Nigeria and the Philippines) the first virtual card costs $10.
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.
ether.fi Cash 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
ether.fi Cash publishes ATM withdrawals of up to $5,000 a day.
WhiteBIT Nova publishes a daily spending limit of $40,000 and a monthly limit of $200,000.
ether.fi Cash works with Apple Pay and Google Pay, and WhiteBIT Nova works with Apple Pay and Google Pay. WhiteBIT Nova issues a virtual card you can use straight away.
Custody and safety
ether.fi Cash scores 60/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. ether.fi describes Cash as a non-custodial account. The ATM fee on Core is not published as a fixed figure.
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: ether.fi Cash safety check and WhiteBIT Nova safety check.
About each card
ether.fi Cash Card is a self-custody Visa card from ether.fi. It tops up with USDC and ETH.
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
ether.fi Cash fits if
- You want to keep crypto in your own wallet until each payment.
- You spend in foreign currencies often, since its FX markup is lower.
- You want a higher cashback ceiling (up to 4%).
WhiteBIT Nova fits if
- Its fees and availability match your situation better on the table above.
Read more: ether.fi Cash fees and details · WhiteBIT Nova fees and details