wavecard vs WhiteBIT Nova
Crypto native
Crypto native
Verdict
- wavecard scores higher overall (7.8 vs 7.2 out of 10).
- wavecard is clearly stronger on: Cashback & rewards.
- WhiteBIT Nova is clearly stronger on: Fees, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
wavecard is a good fit for
- Everyday spenders who want cashback
- Frequent travellers
Stronger on: Cashback & rewards
WhiteBIT Nova is a good fit for
- Stablecoin holders
Stronger on: Fees, Product features
★ 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 | wavecard | WhiteBIT Nova |
|---|---|---|
| Fees | 87 | 100 |
| Cashback & rewards | 75 | 48 |
| Availability | 100 | 100 |
| FX & international | 100 | – |
| Product features | 56 | 70 |
| Custody & security | 60 | 60 |
| Credit & financing | – | 30 |
| Limits & ATM | 20 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 7.7 | 6.5 |
| Best for Travel | 7.9 | 6.7 |
| Best for DeFi Users | 6.9 | 6.2 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | 7.3 | 5.8 |
| Best for Low Fees | 8.2 | 8.0 |
| Best for Beginners | 8.0 | 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
Card funded from the user's Wave Space Crypto account held via partner Lightspark
CustodialConditions apply: tap or hover for detailsShow source
Spends balances held on the WhiteBIT exchange
Card issuer / program manager
Lightspark Payments Europe AS (partner for financial services); Wave Space acts as distributorConditions apply: tap or hover for detailsShow source
Card issued via white-label arrangement with a third-party provider
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
FreeShow source
Physical card fee
€29.99Conditions apply: tap or hover for detailsShow source
Tracked delivery free; express delivery €30
€12Conditions apply: tap or hover for detailsShow source
Delivery of the plastic card
Virtual card fee
€2.99Show source
FreeShow source
FX fee
0%Show source
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Fee on card payments
Top-up fee
FreeShow source
ATM fee
€2 + 3%Show source
Other fees & markups
€30 express delivery for physical card · Network withdrawal fees on crypto withdrawals (may differ from actual network fee) · Possible maintenance fee for accounts inactive 365 daysShow source
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source
Cashback & rewards
Base cashback
3%Conditions apply: tap or hover for detailsShow source
Up to 21,000 sats in total
1%Conditions apply: tap or hover for detailsShow source
Lowest category rate; up to three categories chosen per day
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Subscriptions category; capped at 25 € cashback per month
Cashback paid in
BTCShow source
BTC or WBTShow source
Cashback type
CryptoShow source
CryptoShow source
Max cashback per 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
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Residents 18+
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
Own IBAN / bank details
YesShow source
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via the Curve app; direct Apple Pay support coming soon
YesShow source
Google Pay
YesShow source
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
YesShow source
Spendable assets
BTCConditions apply: tap or hover for detailsShow source
Bitcoin-only
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source
Blockchains
Bitcoin · LightningShow source
Limits
ATM limit
€350Conditions apply: tap or hover for detailsShow source
Daily; monthly €3,000
Spending limit
€10,000Conditions apply: tap or hover for detailsShow source
Daily and monthly; monthly up to €15,000 with Tier 2 KYC
Annual cost at 1,500 EUR/month
wavecard
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−60 EUR
- Cashback+540 EUR
- Net annual value480 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