Gemini Credit Card vs WhiteBIT Nova Card
The short answer
Winner: Gemini Credit Card — 6.6/10 versus 6.4/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Gemini Credit Card
KYC
WhiteBIT Nova Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
4%
10%
ATM fee
3%
2%
FX fee
Free
Free
Per transaction
Unlimited
Unlimited
Daily limit
Unlimited
$10k
Monthly limit
Unlimited
$25k
KYC
KYC
KYC
Card type
Credit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
1%
ATM per transaction
Unlimited
Unlimited
Network
mastercard
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✗
Countries
1
17
Coins
BTC, ETH, MATIC, SOL, USDC, XRP
BTC, ETH, SOL, USDC, USDT, XRP
Gemini Credit Card vs WhiteBIT Nova Card FAQ
On our composite score Gemini Credit Card edges ahead (6.6/10 vs 6.4/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.