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Tria Card vs WhiteBIT Nova

Tria Card

Crypto native

7.2
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WhiteBIT Nova

Crypto native

7.2
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Verdict

  • Tria Card and WhiteBIT Nova have the same overall score (7.2/10).
  • Tria 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.

Tria Card is a good fit for

  • People who want to keep control of their keys
  • Users who need credit rather than a debit/prepaid card
  • Frequent travellers

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:

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
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Review & sourcesTria Card vs ether.fi CashWhiteBIT Nova vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionTria CardWhiteBIT Nova
Fees91100
Cashback & rewards4448
Availability–100
FX & international100–
Product features7070
Custody & security8060
Credit & financing7530
Limits & ATM71–
Transparency93100
Best for Cashback6.26.5
Best for Travel8.06.7
Best for Self-Custody7.8n/a
Best for DeFi Users7.46.2
Best for Stablecoinsn/a7.1
Best for High Spenders6.95.8
Best for Low Fees9.18.0
Best for Beginners7.48.3
Best Crypto Credit Card7.5n/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

Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)Conditions apply: tap or hover for detailsShow source

International card terms

Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source

Tiers / plans

Lite · Pro · MaxShow source
No data yet

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

No data yet
FreeShow source

Physical card fee

$109Conditions apply: tap or hover for detailsShow source

Plastic card; Metal card 250 USD

€12Conditions apply: tap or hover for detailsShow source

Delivery of the plastic card

Virtual card fee

$25Conditions apply: tap or hover for detailsShow source

Virtual card; Plastic 109 USD, Metal 250 USD

FreeShow source

FX fee

0%Show source
No data yet

Top-up fee

FreeShow source
FreeShow source

ATM fee

$1 + 1%Conditions apply: tap or hover for detailsShow source

$1.00 base fee plus 1% of the withdrawal amount; local ATM operator fees/limits may apply

No data yet

Other fees & markups

FX fee up to 3% · International transactions fee up to 1% · USDC settlement/deposit fee up to 1% · ATM balance inquiry and decline fees up to $2 · ATM withdrawal up to $2 + 3% · Virtual card issue/annual fee $25 per fee disclosureConditions apply: tap or hover for detailsShow source

Maximums from the 31 Oct 2025 fee disclosure; help center states lower fees

Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source

Cashback & rewards

Base cashback

1.5%Conditions apply: tap or hover for detailsShow source

Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)

1%Conditions apply: tap or hover for detailsShow source

Lowest category rate; up to three categories chosen per day

Max cashback

6%Conditions apply: tap or hover for detailsShow source

Premium tier, headline rate, monthly spend caps apply

10%Conditions apply: tap or hover for detailsShow source

Subscriptions category; capped at 25 € cashback per month

Cashback paid in

USDT on ArbitrumShow source
BTC or WBTShow source

Cashback type

StablecoinShow source
CryptoShow source

Cashback-eligible spend cap

$100/monthConditions apply: tap or hover for detailsShow source

Virtual tier: monthly spend at the top rate; floor rate 0.5% above it. Cap is per user, resets on the 1st

No data yet

Max cashback per month

No data yet
€25/monthShow source

Cashback conditions

Cashback is a membership benefit; it stops on new transactions if the membership is not renewedConditions apply: tap or hover for detailsShow source

Pro $109/year, Max $250/year standard renewal pricing

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

YesShow source
NoShow source

Credit type

Crypto-backed creditShow source
No data yet

Max loan-to-value

100%Conditions apply: tap or hover for detailsShow source

Spending limit equals USD market value of collateral (1:1)

No data yet

Interest (APR)

0%Show source
No data yet

Interest notes

Currently 0% on all purchases; issuer may introduce interest for new purchases in the futureShow source
No data yet

Grace period

Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)Show source
No data yet

Repayment

Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaidShow source
No data yet

Liquidation risk

YesShow source
No data yet

Availability

Available in

No data yet
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

Where supported

YesShow source

Google Pay

YesConditions apply: tap or hover for detailsShow source

Where supported

YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Pro (plastic) and Max (metal) tiers only

YesShow source

Virtual card

YesConditions apply: tap or hover for detailsShow source

Lite tier is virtual-only

YesShow source

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Where supported

Spend stablecoins

No data yet
YesShow source

Spendable assets

1,000+ tokens accepted for fundingShow source
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source

Blockchains

Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Supported blockchains for collateral; more may be added

No data yet

Limits

ATM limit

$750Conditions apply: tap or hover for detailsShow source

Per transaction; maximum 3 withdrawals per 24 hours

No data yet

Annual cost at 1,500 EUR/month

Tria Card

  • Annual & monthly feesunknown
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−23 EUR
  • Cashback+16 EUR
  • 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

More Tria Card comparisons

More WhiteBIT Nova comparisons