Well right off the bat I’ve used them both for a long time now… probably since they both started…
I have had absolutely zero issues with either one…
I have extremely high limits on both & can buy otc if I want…
I’ve used the coinbase card before and that’s awesome sauce, very over looked by the community cuz kyc/aml but it works & that’s all that matters imho
I generally think everyone gives them both grief cuz they let you buy "shitcoins".