Tangem Pay vs WhiteBIT Nova
Crypto native
Crypto native
Verdict
- WhiteBIT Nova scores higher overall (7.2 vs 4.8 out of 10).
- Tangem Pay is clearly stronger on: Custody & security.
- WhiteBIT Nova is clearly stronger on: Fees, Cashback & rewards, Availability, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Tangem Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Custody & security
WhiteBIT Nova is a good fit for
- Stablecoin holders
Stronger on: Fees, Cashback & rewards, Availability, Transparency
★ 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 | Tangem Pay | WhiteBIT Nova |
|---|---|---|
| Fees | 78 | 100 |
| Cashback & rewards | 30 | 48 |
| Availability | 3 | 100 |
| FX & international | 40 | – |
| Product features | 70 | 70 |
| Custody & security | 80 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 20 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 4.2 | 6.5 |
| Best for Travel | 4.3 | 6.7 |
| Best for Self-Custody | 6.8 | n/a |
| Best for DeFi Users | 6.0 | 6.2 |
| Best for Stablecoins | 6.1 | 7.1 |
| Best for High Spenders | 4.2 | 5.8 |
| Best for Low Fees | 6.2 | 8.0 |
| Best for Beginners | 6.2 | 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
Stablecoin cardConditions apply: tap or hover for detailsShow source
Funded with USDC loaded in advance; no credit line
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
Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source
Tiers / plans
Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)Conditions apply: tap or hover for detailsShow source
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Basic tier; Plus $29.99/month
FreeShow source
Physical card fee
€12Conditions apply: tap or hover for detailsShow source
Delivery of the plastic card
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Basic tier
FreeShow source
Replacement fee
$5Conditions apply: tap or hover for detailsShow source
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Tangem pages show 1% and 1.5%
Top-up fee
$1Conditions apply: tap or hover for detailsShow source
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
FreeShow source
ATM fee
4%Conditions apply: tap or hover for detailsShow source
Basic tier; 2% on Plus
Other fees & markups
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow 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
Basic tier; minimum $30 per transaction; monthly cap applies
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
Prestige tier ($999/year, coming soon); Plus 2%
10%Conditions apply: tap or hover for detailsShow source
Subscriptions category; capped at 25 € cashback per month
Cashback paid in
USDCShow source
BTC or WBTShow source
Cashback type
StablecoinShow source
CryptoShow source
Cashback-eligible spend cap
$10,000/monthConditions apply: tap or hover for detailsShow source
Basic tier, per month; Plus $15,000
Max cashback per month
$100/monthConditions apply: tap or hover for detailsShow source
Basic tier; Plus $300, Prestige $1000
€25/monthShow source
Cashback conditions
Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow 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 exclusions
In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source
Credit & financing
Credit line
NoShow source
NoShow source
Credit type
NoneShow source
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
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
Account / spend currencies
USDShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
US routing and account number (ACH/FedWire), not an IBAN
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Page elsewhere mentions up to three virtual cards
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Contactless ATMs only, via Apple Pay or Google Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
Spend stablecoins
YesShow source
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Travel / rental car insurance
NoConditions apply: tap or hover for detailsShow source
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Purchase protection
NoConditions apply: tap or hover for detailsShow source
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Spendable assets
USDC · USDTShow source
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source
Blockchains
Polygon · Base · BNB Smart Chain · ArbitrumShow source
Limits
ATM limit
$250Conditions apply: tap or hover for detailsShow source
Per transaction; up to 3 withdrawals per 24 hours
Spending limit
$10,000Conditions apply: tap or hover for detailsShow source
Per day, Basic tier; Plus $50,000, Prestige $100,000
Annual cost at 1,500 EUR/month
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value78 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