TP Card vs WhiteBIT Nova
TP Card scores 7/16, WhiteBIT Nova scores 6/16 on the CBL Card Score. Here is every criterion side by side.
 TP Card |  WhiteBIT Nova | |
|---|---|---|
| Custody | 1 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 | 2 of 2 | 1 of 2 |
| Funding cost | 0 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 1 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 7 | 6 |
The short verdict: TP Card leads overall (7 to 6). Tokenised deposit in own wallet; Fiat24 can block, no transaction fee in USD, EUR, CHF FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| TP Card | None on spending. Referral commissions on invitees' top-up fees, paid in USDC with a 10 USDC minimum withdrawal, plus points (1,000 to the inviter and 5,000 to the invitee per valid referral, 1 point per 1 USDC topped up, expiring after 180 days); a valid referral needs KYC and a 100 USDC top-up within 30 days (official, Commission Rewards page, checked 20 Oct 2026). |
| 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.