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Spending money has always been a pleasure of mine. And if you just pictured me with a shopping cart in a supermarket, tossing everything in randomly - I’m afraid I have to disappoint you: I prefer a more refined approach. Fashion boutiques, shopping malls, new gadgets, or just a coffee in a cozy café - my spending looks more like an investment in my lifestyle. Yes, exactly that: every tap of the “pay” button is not only about consumption but also about growing my capital.
As an investor, I’m used to looking at finances through the lens of assets. Over time, I’ve realized that even everyday spending can serve as a tool for accumulation. Instead of conventional loyalty points that you often forget to use, small amounts can be credited in cryptocurrencies with growth potential. In my case, a shopping trip in Dubai isn’t just about boutique bags - it’s also about adding a few new satoshis to my portfolio.
Choosing a card for me is not just about a piece of plastic in my wallet, but about a strategy for managing finances and investments simultaneously. And I favor crypto cards for good reason. They allow me to turn every purchase into an opportunity to grow my assets. When I got myself a WhiteBIT Nova Card, which offers 0% fees, I realized that being a spender like me can also mean being in profit.
First, cashback in Bitcoin or WBT up to 10% is a key point. I spend money as I normally do, but a portion of every payment comes back in cryptocurrency. Even if it’s just my morning coffee or a plane ticket, I see real growth in my portfolio. The only thing is: you need to choose in which currency you want to receive the cashback - BTC or WBT Coin.
Second, flexibility and control. In the app, you can choose categories of spending: shopping, restaurants, entertainment, medicine. I can choose three cashback categories per day. Recently, I was in a Dubai mall and realized it smelled like fun. So, it’s obvious that I selected categories like “Food & Cafes” and “Entertainment” on the card. And just in case I added “Taxi” if the fun lasts longer. By the end of the day, I checked the balance - and my usual expenses had already turned into a little Bitcoin. This is a spending power feature that converts your funds, for example, if they are in Solana or Ripple, into USDT.
Third, the minimum withdrawal amount of just 5 euros. You don’t have to wait until a whole “pile” of bonuses accumulates. From the perspective of habits and the psychology of money, this works especially well. It’s because I see an immediate effect and it motivates me to continue. You could say it’s not just a “withdrawal,” but a way to embed investments into everyday life, without unnecessary bureaucracy or waiting.
With a crypto card, you don’t need to open dozens of accounts, remember one hundred passwords, or run around banks. From a business analyst’s perspective, it’s a perfect example of how technology turns traditional financial tools into investment solutions.
Our brains respond to small but regular rewards. For example, even if your daily coffee costs 3-4 euros, and you get 1-2% cashback in BTC, it seems almost negligible. But if you do this every day for a year, you end up with an amount comparable to the cost of a month’s subscription to your favorite services - all without extra effort.
This aligns with the research of Furtmüller, Garaus, and Güttel (2016): they showed that small rewards increase intrinsic motivation, making students work more even when bonuses were symbolic. The principle is the same: you start evaluating where you can get the most benefit and planning your spending with portfolio growth in mind. In the long term, this forms a habit of thinking strategically about money, even in everyday small matters.
For me as an investor and analyst, it’s also a matter of discipline. I track my portfolio’s dynamics, analyze where cashback is most effective, and develop a spending strategy that simultaneously builds the habit of investing and improves financial literacy.
Paul Osadchuk
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