Venmo Credit Card vs WhiteBIT Nova
Venmo Credit Card scores 10/16, WhiteBIT Nova scores 6/16 on the CBL Card Score. Here is every criterion side by side.
 Venmo Credit Card |  WhiteBIT Nova | |
|---|---|---|
| Custody | 1 of 2 | 0 of 2 |
| Issuer and licence | 2 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 | 2 of 2 | 1 of 2 |
| Yield on idle balance | 1 of 2 | 0 of 2 |
| Total | 10 | 6 |
The short verdict: Venmo Credit Card leads overall (10 to 6). Custodial; crypto held apart from PayPal Digital assets, no foreign transaction fee FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Venmo Credit Card | 3% on dining and entertainment, including streaming; an extra 1% when the purchase is split with a friend on Venmo within 30 days; 3% when checking out with Venmo online or paying a business or a person for goods and services on Venmo; 1% on everything else (official, venmo.com/about/creditcard/rewards, checked 20 Oct 2026). No caps stated. Cards approved after 24 Sep 2026 pay cash back daily; earlier cards pay 1 to 3 days after the statement end (official, help centre FAQ). Cash Back to Crypto buys the chosen asset automatically, with Bitcoin, Ethereum, Litecoin and Bitcoin Cash named on the card page and Solana and Chainlink listed in the crypto FAQ (official). |
| 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.