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 | |
|---|---|---|
| Overall score | 5.4 | 4.4 |
| BTC load | No direct BTC load | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | not documented |
| FX fee | 0% | 1% |
| Monthly fee | none | ? |
| Cashback | 4% in BTC | none |
| Regions | US | GLOBAL |
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)
Pick PST.NET if
- you match none of Gemini Credit Card's edge cases - the closer score makes it the default
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.