WhiteBIT Nova vs Plutus Card
WhiteBIT Nova scores 6/16, Plutus Card scores 4/16 on the CBL Card Score. Here is every criterion side by side.
 WhiteBIT Nova |  Plutus Card | |
|---|---|---|
| Custody | 0 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 0 of 2 |
| Availability | 1 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 0 of 2 |
| Funding cost | 0 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 1 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 6 | 4 |
The short verdict: WhiteBIT Nova leads overall (6 to 4). Custodial; spends from exchange Main balance, 1.5% conversion fee on the USD card FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 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). |
| Plutus Card | 3% on eligible card spend on every plan, rising to 9% through PLU stake levels (official, plutus.it/rewards and plutus.it/plans, checked 20 Oct 2026). Eligible spend is capped at £/€250, 500 or 1,000 a month by plan (official, fees page). Rewards are now called PLUS and accrue as in-app points while card spending is paused (official, Q1 migration FAQ, 20 Feb 2026). The top rate needs 40,000 PLU staked (third-party: SpendNode, 24 Jul 2026). |
Cashback is shown as a dated fact and never scored.