savebackcards.com

Coinbase Card vs WhiteBIT Nova

Coinbase Card

Crypto native

5.9
WhiteBIT Nova

Crypto native

7.2

Verdict

  • WhiteBIT Nova scores higher overall (7.2 vs 5.9 out of 10).
  • Coinbase Card is clearly stronger on: Custody & security.
  • WhiteBIT Nova is clearly stronger on: Availability.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Coinbase Card is a good fit for

  • Stablecoin holders

Stronger on: Custody & security

WhiteBIT Nova is a good fit for

  • Stablecoin holders

Stronger on: Availability

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

Why we recommend it

  • 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
  • 5.35% variable interest on your balanceConditions apply
  • No annual or monthly fee on the base tierConditions apply
  • Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
  • Self-custody: funds stay in your own walletConditions apply

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCoinbase CardWhiteBIT Nova
Fees100100
Cashback & rewards–48
Availability3100
FX & international––
Product features7070
Custody & security7560
Credit & financing3030
Limits & ATM––
Transparency100100
Best for Cashbackn/a6.5
Best for Traveln/a6.7
Best for DeFi Users6.76.2
Best for Stablecoins7.37.1
Best for High Spendersn/a5.8
Best for Low Fees8.08.0
Best for Beginners7.18.3

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveShow source

Card type

Debit cardShow source
Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

CustodialConditions apply: tap or hover for detailsShow source

Spends balances held on the WhiteBIT exchange

Card issuer / program manager

Pathward, N.A. (program powered by Marqeta)Show source
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

No data yet
FreeShow source

Physical card fee

No data yet
€12Conditions apply: tap or hover for detailsShow source

Delivery of the plastic card

Virtual card fee

No data yet
FreeShow source

Top-up fee

FreeConditions apply: tap or hover for detailsShow source

Funding from a linked bank account or paycheck deposit; a spread applies when crypto is sold

FreeShow source

Other fees & markups

Coinbase charges a spread when buying, selling or converting cryptoShow source
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source

Cashback & rewards

Base cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

Lowest category rate; up to three categories chosen per day

Max cashback

No data yet
10%Conditions apply: tap or hover for detailsShow source

Subscriptions category; capped at 25 € cashback per month

Cashback paid in

No data yet
BTC or WBTShow source

Cashback type

CryptoShow source
CryptoShow source

Max cashback per month

No data yet
€25/monthShow source

Cashback conditions

Rewards are optional and the rate is variable · Rewards only for US card usersShow source
Up to three categories selected per day: taxi 5%, subscriptions 10%, pets 5%, entertainment and gaming 2%, others 1% · Minimum claim 5 € · Maximum 25 € per monthShow source

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

YesShow source
No data yet

Availability

Available in

United StatesConditions apply: tap or hover for detailsShow source

Excluding Hawaii

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein, UkraineShow source

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Where supported

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

USDC

YesShow source

Spendable assets

No data yet
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source

Security & custody

Regulation / licences

Issued by Pathward, N.A., Member FDIC, under a license from Visa U.S.A. Inc.Show source
No data yet

Annual cost at 1,500 EUR/month

Coinbase Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

WhiteBIT Nova

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+180 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers