KOSH Global Card vs WhiteBIT Nova
Crypto native
Crypto native
Verdict
- KOSH Global Card scores higher overall (7.3 vs 7.2 out of 10).
- KOSH Global Card is clearly stronger on: Custody & security, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
KOSH Global Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Custody & security, Credit & financing
WhiteBIT Nova is a good fit for
- Stablecoin holders
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
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
| Criterion | KOSH Global Card | WhiteBIT Nova |
|---|---|---|
| Fees | 96 | 100 |
| Cashback & rewards | 49 | 48 |
| Availability | 100 | 100 |
| FX & international | 20 | – |
| Product features | 70 | 70 |
| Custody & security | 80 | 60 |
| Credit & financing | 75 | 30 |
| Limits & ATM | 71 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 6.6 | 6.5 |
| Best for Travel | 5.9 | 6.7 |
| Best for Self-Custody | 7.2 | n/a |
| Best for DeFi Users | 7.3 | 6.2 |
| Best for Stablecoins | 6.7 | 7.1 |
| Best for High Spenders | 6.0 | 5.8 |
| Best for Low Fees | 7.4 | 8.0 |
| Best for Beginners | 8.5 | 8.3 |
| Best Crypto Credit Card | 7.7 | n/a |
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
Crypto-backed creditShow source
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
CustodialConditions apply: tap or hover for detailsShow source
Spends balances held on the WhiteBIT exchange
Card issuer / program manager
Third National (issuer); Piers Technology Inc. (KOSH, technology provider)Show source
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source
Fees
Annual fee
$10/yearShow source
FreeShow source
Monthly fee
FreeShow source
FreeShow source
Physical card fee
$100Conditions apply: tap or hover for detailsShow source
Fee table accurate as of September 1, 2025
€12Conditions apply: tap or hover for detailsShow source
Delivery of the plastic card
Virtual card fee
$10Show source
FreeShow source
FX fee
2%Conditions apply: tap or hover for detailsShow source
Plus US $0.30 per international transaction; product page advertises 1.5% FX
Top-up fee
FreeShow source
ATM fee
$1 + 1%Conditions apply: tap or hover for detailsShow source
Plus FX if applicable; $1 balance enquiry and $1 decline fees
Other fees & markups
International transaction fee US $0.30 + 2% FX · ATM balance enquiry US $1 · ATM decline US $1 · Copying fee US $10 · Late payment US $30 first, US $40 subsequentShow source
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Derived: 1 point per $1 spent, 100 points = $1 redemption value; points not cash
1%Conditions apply: tap or hover for detailsShow source
Lowest category rate; up to three categories chosen per day
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Hotel bookings only; rates subject to rewards program terms
10%Conditions apply: tap or hover for detailsShow source
Subscriptions category; capped at 25 € cashback per month
Cashback paid in
BTC or WBTShow source
Cashback type
PointsShow source
CryptoShow source
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Page states 4 to 6% here but "up to 4%" in footer; savings product, not card
Max cashback per month
€25/monthShow source
Cashback conditions
Multipliers apply only up to a monthly points-eligible spend limit shown in app · Cashback credited as KOSH Rewards, must be claimed to card above a minimum · Rewards reversed on refunds/chargebacksShow 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
Reward expiry / vesting
Points: no general expiry while account open; campaign points/KOSH Rewards may expire per campaign; all rewards forfeited on account closureShow source
Reward exclusions
Transactions made primarily to generate rewards · Manufactured spend, circular transactionsShow source
Credit & financing
Credit line
YesShow source
NoShow source
Credit type
Crypto-backed creditShow source
Max loan-to-value
100%Conditions apply: tap or hover for detailsShow source
Spending limit equals collateral market value (1:1)
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
Issuer reserves right to introduce interest in the future
Grace period
Liquidation if payment not made within one calendar day; issuer may allow extra graceShow source
Liquidation risk
YesShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
Used in 90+ countries
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
Not available in
United StatesConditions apply: tap or hover for detailsShow source
International terms for non-US persons; separate US terms exist
Account / spend currencies
USDShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Virtual USD, EUR, GBP, AED and SWIFT accounts
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Where supported
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC and USDT balance
YesShow source
Spendable assets
USD · USDCConditions apply: tap or hover for detailsShow source
Card collateralized by KOSH USD balance; USDC can be added
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumShow source
Annual cost at 1,500 EUR/month
KOSH Global Card
- Annual & monthly fees−9 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−23 EUR
- Cashback+180 EUR
- Net annual value76 EUR
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