Coinbase Card vs PST.NET
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Coinbase Card wins overall (6.7/10 vs 4.4/10). The right pick still depends on your priority - see the flow comparison below.
 Coinbase Card |  PST.NET | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| Lightning funding | no | no |
| BTC sale timing | BTC sold per transaction | Not documented |
| Fees | ||
| Top-up fee | 0% | not documented |
| FX fee | not documented | 1% |
| Monthly fee | none | not documented |
| ATM fee | 0% | not documented |
| Cashback | not documented | none |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | US | GLOBAL |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Virtual |
| Apple Pay | yes | no / unknown |
Pick Coinbase Card if
- Known fee stack (0.0 vs 1.0 % equivalents on a $500/mo profile)
- Physical card option
Pick PST.NET if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Coinbase Card
The safest pair of hands in the comparison: NASDAQ-listed issuer context, FDIC-member bank card, zero fees on USD/USDC spending and no staking requirement. The trade-offs: US-only (no Hawaii), rewards rates are variable in-app only, and non-USDC crypto spends trigger auto-sell with spread and taxes.
PST.NET
A niche virtual-card service for online/media-buying use cases with crypto funding - usable for its purpose, but tier subscriptions, per-card fees and the niche positioning make it a poor general spending card.
More head-to-heads
FAQ
Which is better for privacy, Coinbase Card or PST.NET?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-09-20 · How we verify