Ethena Pay vs WhiteBIT Nova
Ethena Pay scores 10/16, WhiteBIT Nova scores 6/16 on the CBL Card Score. Here is every criterion side by side.
 Ethena Pay |  WhiteBIT Nova | |
|---|---|---|
| Custody | 2 of 2 | 0 of 2 |
| Issuer and licence | 1 of 2 | 1 of 2 |
| Availability | 0 of 2 | 1 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 1 of 2 |
| Funding cost | 1 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 1 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 2 of 2 | 0 of 2 |
| Total | 10 | 6 |
The short verdict: Ethena Pay leads overall (10 to 6). Self-custodial; user holds the keys, about 1% network fee, no markup FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Ethena Pay | Paid in AVAX once daily after settlement, by monthly spend band. Standard 4% on the first $2,500, 1% to $4,000, nothing above. Pro 4.5% on the first $8,000, 2% to $10,000, 1% to $12,000, 0.5% above. VIP 5% on the first $20,000, 2% to $30,000, 1% to $40,000, 0.5% above. Minimum qualifying transaction $1; reversed on refunds or chargebacks (official, pricing page, updated 30 Sep 2026; FAQ). |
| WhiteBIT Nova | Up to 10% in BTC or WBT on three chosen categories: Subscriptions 10%, Taxi 5%, Pets 5%, Gaming 2%, Entertainment 2%, Food and Cafes 1%, Groceries 1%, Medicine 1%, Auto 1%, Electronics 1%, Beauty 1%, Clothing and Shoes 1% (official, whitebit.com/crypto-card, checked 20 Oct 2026). USD card cap "Maximum cashback per month: 25 USD", minimum claim 5 USDC, categories changeable once every 7 days (official, help articles). EUR card cap €25 a month (official). |
Cashback is shown as a dated fact and never scored.