Binance Card vs Pulsar Money Card
Crypto native
Crypto native
Verdict
- Pulsar Money Card scores higher overall (6.2 vs 4.9 out of 10).
- Binance Card is clearly stronger on: Limits & ATM, Transparency.
- Pulsar Money Card is clearly stronger on: Cashback & rewards, FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Binance Card is a good fit for
- Stablecoin holders
Stronger on: Limits & ATM, Transparency
Pulsar Money Card is a good fit for
- Stablecoin holders
Stronger on: Cashback & rewards, FX & international
Score by criterion
| Criterion | Binance Card | Pulsar Money Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 8 | 36 |
| Availability | 3 | – |
| FX & international | 20 | 60 |
| Product features | 70 | 70 |
| Custody & security | 60 | – |
| Credit & financing | – | – |
| Limits & ATM | 87 | 64 |
| Transparency | 93 | 79 |
| Best for Cashback | 3.6 | 5.4 |
| Best for Travel | 4.8 | 6.5 |
| Best for DeFi Users | 5.5 | 5.9 |
| Best for Stablecoins | 5.6 | 6.7 |
| Best for High Spenders | 4.3 | 5.7 |
| Best for Low Fees | 7.7 | 8.1 |
| Best for Beginners | 6.3 | 6.9 |
Product
Product status
Waitlist*Show source
Product status: Waitlist
Early access sign-up
Source states (paraphrased): Sign up for early access and we'll tell you as soon as it goes live.
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Early access sign-up
Custody model
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): Annual Fee 0 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Monthly fee
Free*Show source
Monthly fee: Free
Standard (Free) plan; Pulsar Pro $9.99/month or $99.99/year
Source states (paraphrased): Monthly standard account fee: Free
Source: https://help.pulsar.money/en/articles/16752647-pricing-fees
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard (Free) plan; Pulsar Pro $9.99/month or $99.99/year
Physical card fee
Free*Show source
Physical card fee: Free
Issuance; 30 BRL if the physical card is cancelled within one year
Source states (paraphrased): Card Issuance Fee 0 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Issuance; 30 BRL if the physical card is cancelled within one year
Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): No card issuance or monthly fee.
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Replacement fee
€25Show source
Replacement fee: €25
Source states (paraphrased): If you need to replace your card, a fee of €25 applies.
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
FX fee
2%*Show source
FX fee: 2%
1–2% depending on the transaction
Source states (paraphrased): Foreign Exchange Fee 1-2%
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
1–2% depending on the transaction
1%*Show source
FX fee: 1%
Cross-currency card spending; same-currency spending (EUR from EUR, USD from USD) has no Pulsar FX fee; third-party fees may apply
Source states (paraphrased): Cross-currency card spending is 1%, and third-party fees may still apply.
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cross-currency card spending; same-currency spending (EUR from EUR, USD from USD) has no Pulsar FX fee; third-party fees may apply
Top-up fee
Free*Show source
Top-up fee: Free
Funding with USDT, USDC or EURC at 1:1, no Pulsar fee
Source states (paraphrased): Fund with stablecoins at no Pulsar fee
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Funding with USDT, USDC or EURC at 1:1, no Pulsar fee
ATM fee
$1.50*Show source
ATM fee: $1.50
After 2 free withdrawals per month
Source states (paraphrased): ATM Withdrawal Fee 2 Free Monthly Withdrawals, thereafter 1.5 USD each
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
After 2 free withdrawals per month
2%*Show source
ATM fee: 2%
After $200 free per month; ATM operator fees may apply
Source states (paraphrased): ATM withdrawals: Free up to $200 per month, then 2%
Source: https://help.pulsar.money/en/articles/16752647-pricing-fees
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
After $200 free per month; ATM operator fees may apply
Free ATM allowance
$200/month*Show source
Free ATM allowance: $200/month
Per month
Source states (paraphrased): ATM withdrawals: Free up to $200 per month, then 2%
Source: https://help.pulsar.money/en/articles/16752647-pricing-fees
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Per month
Cashback & rewards
Base cashback
0.5%*Show source
Base cashback: 0.5%
Free plan, in Pulsar Points: ~0.5% on the first $500 per month, then ~0.25% up to $100,000
Source states (paraphrased): First $500: 5 pts per $10 ~ 0.5% cashback (Free)
Source: https://help.pulsar.money/en/articles/16752652-pulsar-pro
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Free plan, in Pulsar Points: ~0.5% on the first $500 per month, then ~0.25% up to $100,000
Max cashback
3%*Show source
Max cashback: 3%
Up to; paid monthly into the Binance wallet
Source states (paraphrased): Earn up to 3% cashback on all your spending.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Up to; paid monthly into the Binance wallet
2%*Show source
Max cashback: 2%
Pulsar Pro ($9.99/month or $99.99/year) on the first $1,000; 4% only in the October 2026 campaign for 100 Pro subscribers
Source states (paraphrased): Earn up to 2% cashback in points on your first $1,000.
Source: https://help.pulsar.money/en/articles/16752652-pulsar-pro
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Pulsar Pro ($9.99/month or $99.99/year) on the first $1,000; 4% only in the October 2026 campaign for 100 Pro subscribers
Cashback paid in
BNBShow source
Cashback paid in: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Cashback type
Points*Show source
Cashback type: Points
Pulsar Points, redeemed as USDC refunds of eligible card transactions
Source states (paraphrased): Points come back as a refund on a transaction you have already made ... the money arrives in USDC.
Source: https://help.pulsar.money/en/articles/16752632-pulsar-points-explained
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Pulsar Points, redeemed as USDC refunds of eligible card transactions
Interest on balance
5.2%*Show source
Interest on balance: 5.2%
~5.2% APY on stablecoins through curated DeFi strategies; variable
Source states (paraphrased): Earn ~5.2% APY on stablecoins through curated DeFi strategies.
Source: Pulsar Money
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
~5.2% APY on stablecoins through curated DeFi strategies; variable
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Rate depends on BNB holdings
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Rate depends on BNB holdings
Staking asset
BNBShow source
Staking asset: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Availability
Available in
Brazil*Show source
Available in: Brazil
Currently only Brazil
Source states (paraphrased): Your Binance Account country of residence must be one of the supported countries of Binance Card. Currently we support: Brazil.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Currently only Brazil
Account / spend currencies
USD · EURShow source
Account / spend currencies: USD · EUR
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Google Pay
YesShow source
Google Pay: Yes
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card
Yes*Show source
Physical card: Yes
Plastic and Metal card types listed
Source states (paraphrased): Metal card limits may be increased on request.
Source: https://help.pulsar.money/en/articles/17598741-pulsar-app-limits
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Plastic and Metal card types listed
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Add your virtual card to your wallets to start spending your crypto.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Virtual card: Yes
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): ATM Withdrawal Fee 2 Free Monthly Withdrawals, thereafter 1.5 USD each
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): ATM withdrawals: Free up to $200 per month, then 2%
Source: https://help.pulsar.money/en/articles/16752647-pricing-fees
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Binance Crypto Card supports the following cryptocurrencies: USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK, XRP, BRL, U
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Yes*Show source
Spend stablecoins: Yes
Card spends from the USD or EUR balance funded with stablecoins
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card spends from the USD or EUR balance funded with stablecoins
Spendable assets
USDT · USDC · EURCShow source
Spendable assets: USDT · USDC · EURC
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
EVM networks · Solana · TRONShow source
Blockchains: EVM networks · Solana · TRON
Source: Pulsar Money
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Limits
Spending limit
R$25,000*Show source
Spending limit: R$25,000
Per day (50,000 BRL per month); higher with further verification
Source states (paraphrased): Spending Limit 25,000 BRL 50,000 BRL 200,000 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Per day (50,000 BRL per month); higher with further verification
$30,000*Show source
Spending limit: $30,000
May depend on account status and card program rules
Source states (paraphrased): Card limits: $30,000 USD
Source: https://help.pulsar.money/en/articles/16752647-pricing-fees
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
May depend on account status and card program rules
Annual cost at 1,500 EUR/month
Binance Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−16 EUR
- Cashbackunknown
- Net annual valuenot enough data
Pulsar Money Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value54 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers