Uphold Debit Card (US) vs WhiteBIT Nova
Crypto native
Crypto native
Verdict
- WhiteBIT Nova scores higher overall (7.2 vs 5.6 out of 10).
- 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.
Uphold Debit Card (US) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
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:
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 | Uphold Debit Card (US) | WhiteBIT Nova |
|---|---|---|
| Fees | 99 | 100 |
| Cashback & rewards | 50 | 48 |
| Availability | 3 | 100 |
| FX & international | 40 | – |
| Product features | 70 | 70 |
| Custody & security | – | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 73 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.7 | 6.5 |
| Best for Travel | 5.7 | 6.7 |
| Best for DeFi Users | 5.8 | 6.2 |
| Best for Stablecoins | 6.7 | 7.1 |
| Best for High Spenders | 6.0 | 5.8 |
| Best for Low Fees | 8.1 | 8.0 |
| Best for Beginners | 6.8 | 8.3 |
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
Spends balances held on the WhiteBIT exchange
Card issuer / program manager
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source
Tiers / plans
Essential (no annual fee) · Elite ($99.99/year)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Essential; Elite $99.99/year
FreeShow source
Monthly fee
FreeShow source
Physical card fee
$4.99Conditions apply: tap or hover for detailsShow source
Essential
€12Conditions apply: tap or hover for detailsShow source
Delivery of the plastic card
Virtual card fee
FreeShow source
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Essential; Elite has no foreign transaction fees
Top-up fee
FreeShow source
ATM fee
$2.95Conditions apply: tap or hover for detailsShow source
Essential; Elite has no ATM fees
Other fees & markups
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Essential, paid in XRP
1%Conditions apply: tap or hover for detailsShow source
Lowest category rate; up to three categories chosen per day
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
10%Conditions apply: tap or hover for detailsShow source
Subscriptions category; capped at 25 € cashback per month
Cashback paid in
XRP (or other crypto at Uphold's discretion)Show source
BTC or WBTShow source
Cashback type
CryptoShow source
CryptoShow source
Interest on balance
3%Conditions apply: tap or hover for detailsShow source
Up to 3% APY on stablecoin balances; variable; no paid plan stated on page
Max cashback per month
$120/monthConditions apply: tap or hover for detailsShow source
Essential; Elite $300/month
€25/monthShow source
Cashback conditions
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
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Not in Louisiana, New York or US territories
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
YesConditions apply: tap or hover for detailsShow source
When available
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
When available
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Essential: plastic $4.99; Elite: metal $0
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
Essential and Elite: $0
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Essential: $2.95 per withdrawal; Elite: $0
YesConditions apply: tap or hover for detailsShow source
Where supported
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source
Security & custody
Regulation / licences
USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bankShow source
Annual cost at 1,500 EUR/month
Uphold Debit Card (US)
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−32 EUR
- Cashback+360 EUR
- Net annual value274 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