Gemini Credit Card vs PST.NET
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Gemini Credit Card wins overall (5.4/10 vs 4.4/10). The right pick still depends on your priority - see the flow comparison below.
 Gemini Credit Card |  PST.NET | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | No direct BTC load | Direct BTC top-up (on-chain) |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 0% | not documented |
| FX fee | 0% | 1% |
| Monthly fee | none | not documented |
| ATM fee | 3% | not documented |
| Cashback | 4% in BTC | 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 | Mastercard | Visa |
| Form factor | Physical | Virtual |
| Apple Pay | no / unknown | no / unknown |
Pick Gemini Credit Card if
- Known fee stack (0.0 vs 1.0 % equivalents on a $500/mo profile)
- Higher documented cashback (4% vs 0)
- Physical card option
Pick PST.NET if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Gemini Credit Card
The most regulated issuer context for a crypto-rewards credit card (NYDFS trust, WebBank-issued Mastercard World Elite): 4% gas/EV/transit, 3% dining, 2% groceries, 1% elsewhere, no annual fee, rewards in BTC or 50+ cryptos. It is a credit product (bureau approval, no crypto funding), US-only, and the issuer carries a 2025-2026 withdrawal-security-hold complaint pattern at the exchange level.
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, Gemini Credit Card or PST.NET?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-10-05 · How we verify