Yearly cost at three spending levels
| Monthly spend | Tangem Pay | WhiteBIT Nova |
|---|---|---|
| $500 | -$54 Basic (free) | ≤ -$90 Category cashback |
| $2,000 | +$72 Basic (free) | ≤ -$360 Category cashback |
| $5,000 | +$324 Basic (free) | ≤ -$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 | Tangem Pay Basic (free) | WhiteBIT Nova Category cashback |
|---|---|---|
| Top-up and conversion fees | $0 | Not disclosed |
| Spending fees | $0 | -$360 |
| Foreign exchange markup | -$72 | Not disclosed |
| ATM fees | -$96 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$240 | Not disclosed |
| Net per year | +$72 | -$360 |
Fees
Tangem Pay charges 0% to convert or top up and 1.5% on spending in a foreign currency. WhiteBIT Nova charges Not disclosed and Not disclosed.
ATM withdrawals: Tangem Pay 4%; WhiteBIT Nova no atm access (virtual card only).
A virtual card costs nothing with Tangem Pay 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
Tangem Pay cashback: 1% to 2%. WhiteBIT Nova cashback: Variable, not published.
Tangem Pay tiers: Basic (free): 1% on the first $10,000 a month, capped at $100 a month; Plus ($29.99 a month): 2% on the first $15,000 a month, capped at $300 a month.
WhiteBIT Nova tiers: Category cashback: rate not published, capped at $25 a month.
Tangem Pay: Paid in USDC at the end of each billing cycle. Only purchases of $30 or more earn cashback, and in-store purchases at EU and UK merchants are excluded. The Plus plan fee is waived with $4,500 of monthly spending. A $999-a-year Prestige plan with 4% cashback is listed as coming soon.
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 Cashback is paid in BTC or WBT, capped at $25 a month, and can be withdrawn once it reaches 5 USDC.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
Tangem Pay does not publish a country list. Tangem says the card is available in the US (not every state) and in select countries across Latin America, Asia-Pacific, the Middle East and Africa. It does not publish a country list; eligibility is checked in the app during onboarding.
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.
Tangem Pay 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
Tangem Pay publishes a daily spending limit of $10,000 and ATM withdrawals of up to $750 a day.
WhiteBIT Nova publishes a daily spending limit of $40,000 and a monthly limit of $200,000.
Tangem Pay works with Apple Pay and Google Pay, and WhiteBIT Nova works with Apple Pay and Google Pay. Tangem Pay and WhiteBIT Nova issue a virtual card you can use straight away.
Custody and safety
Tangem Pay scores 80/100. Licensing: holds a licence or registration outside the tier-one list (Card issued by Nimbus LLC dba Third National, licensed as a Money Transmitter by the Commissioner of Financial Institutions of Puerto Rico (licence TM-0207, NMLS 2612780). Tangem's own pages name Rain, a Visa Principal Member, as the issuer; Third National's site runs on Rain's legal pages.). The card is issued through Nimbus LLC dba Third National. No incidents or enforcement actions found in the last 36 months. Tangem Pay is run by Paera LLC, not Tangem AG. The card is legally a collateralised charge card. Your USDC or USDT sits in a smart contract you control, but Paera can liquidate it if a balance goes unpaid. The terms list a late fee of up to $40 and a liquidation penalty of up to $35. They also ask for 3 business days' notice before you withdraw collateral, while the app FAQ says you can withdraw at any time. The account is tied to a single Tangem Wallet, and losing that wallet means losing access to the card balance.
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: Tangem Pay safety check and WhiteBIT Nova safety check.
About each card
Tangem Pay is a self-custody Visa card from Paera LLC (Tangem Pay program). It tops up with USDC and USDT.
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
Tangem Pay 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.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You want a higher cashback ceiling (up to 2%).
WhiteBIT Nova fits if
- Its fees and availability match your situation better on the table above.
Read more: Tangem Pay fees and details · WhiteBIT Nova fees and details