Friends who are involved in the cryptocurrency space know that cashing out is an unavoidable topic. Whether it's converting cryptocurrencies like USDT or BTC into cash, or using them for daily expenses and cross-border payments, a reliable cash-out U card can make life much more convenient. Nowadays, there are various types of U cards on the market, such as Dupay, VCard, PokePay, WasabiCard, Bybit Card, LocalCard, Chicha, each with its own strengths. With so many options available, how should one choose the right one for themselves? Today, let's discuss the characteristics and recommended rankings of these U cards based on practical needs, hoping to help you avoid detours on your cash-out journey.
First, Clarify Your Needs#
Before selecting a U card, you should ask yourself: What do I really need this card for? Is it simply to cash out cryptocurrencies into fiat, or do I want to use it for overseas shopping, subscribing to foreign services (like ChatGPT Plus), or directly binding it to domestic platforms for consumption? Different usage scenarios have vastly different functional requirements for the card. For example, some cards excel at low-fee cash withdrawals, while others are more flexible for cross-border payments, and some can directly support domestic QR code payments. Once your needs are clear, you can target your search effectively.
Additionally, consider your usage habits. For instance, is your cryptocurrency primarily USDT or other coins? Are you willing to accept KYC (identity verification)? Do you need a physical card? These factors will influence your final choice. Let's analyze these popular U cards from these perspectives.
Recommended Ranking and In-Depth Analysis#
1. Dupay - A Veteran in Cashing Out, Balancing Stability and Popularity#
If you are an experienced player in the cryptocurrency space or looking for a versatile U card, Dupay is definitely worth considering first. It is one of the earliest virtual cards in the market to support USDT deposits and issue VISA/MasterCard, backed by a US MSB license, ensuring a certain level of compliance and security. The biggest highlight of Dupay is its versatility: it can be linked to WeChat, Alipay, and PayPal, and even allows direct consumption on platforms like Taobao and JD. This is a boon for users looking to seamlessly integrate cryptocurrencies into their daily lives.
Advantages: Simple application process, supports multiple cryptocurrencies (mainly USDT) for deposits, hassle-free domestic consumption, high success rate for overseas payments.
Disadvantages: Fees are not the lowest (deposit rate starts at about 2.2%), occasional longer maintenance times may affect user experience.
Suitable for: Users seeking stability and multi-scenario usage, especially those wanting to turn USDT into "everyday pocket money."
2. VCard - The Perfect Combination of Low Fees and Physical Card#
If you place more importance on fees or want a physical card that can be used offline, VCard might be the right choice for you. It is backed by the US-listed company WETG, ensuring compliance. VCard's deposit fee is as low as 1.35%, which is more economical compared to Dupay, and the USDT to USD conversion is 1:1, with almost no exchange loss. Even more impressive, it supports the application for a physical MasterCard, allowing cash withdrawals at ATMs or card swipes at POS machines, covering both online and offline needs.
Advantages: Low fees, powerful physical card functionality, supports overseas scenarios like PayPal and Google Pay.
Disadvantages: Limited support for binding domestic platforms, may not allow direct QR code payments like Dupay.
Suitable for: Cost-conscious users with offline consumption needs, especially those in cross-border e-commerce.
3. PokePay - An Innovative Choice for HKD Settlement#
PokePay is a rising star in the past two years, with HKD settlement as its core feature, issued in Hong Kong. It supports deposits in various cryptocurrencies like USDT, BTC, and ETH, and the virtual card PokeCard has no small transaction fees or minimum deposit requirements, providing a very friendly consumption experience. Notably, it can be linked to Hong Kong Alipay (AlipayHK), making QR code payments in mainland China effortless. It also plans to launch a physical card in early 2025 to further expand its usage scenarios.
Advantages: HKD settlement is suitable for Hong Kong users, convenient QR code payments in mainland China, supports 3DS verification, high security.
Disadvantages: New platform, stability is yet to be tested, slightly weaker coverage for overseas payments.
Suitable for: Users with consumption needs in Hong Kong or those wanting a U card that can be used for direct QR code payments.
4. WasabiCard - Low-Key but Practical#
WasabiCard may not be as well-known as the previous options, but its practicality should not be underestimated. It also supports USDT deposits and is positioned as a simple and efficient virtual card, suitable for small cash withdrawals or temporary payments. WasabiCard's fees and functions are relatively standard, but it excels in ease of use and low barriers to entry.
Advantages: Quick card issuance, simple to use, suitable for small transactions.
Disadvantages: Functions are relatively limited, may not be flexible enough for large cash withdrawals.
Suitable for: New users or those who only want to occasionally cash out and test the waters.
5. Bybit Card - The Exclusive Choice for Exchange Users#
Bybit Card is the official U card launched by the cryptocurrency exchange Bybit, naturally suitable for Bybit platform users. It supports direct deposits from account balances (USDT, BTC, etc.), eliminating the hassle of transfers. The card type is MasterCard, with strong global payment capabilities, especially performing well when subscribing to services like Netflix and Amazon.
Advantages: Seamless integration with Bybit, convenient deposits, stable overseas consumption.
Disadvantages: Slightly cumbersome for non-Bybit users, general support in mainland China is average.
Suitable for: Heavy Bybit users or those who prefer the exchange ecosystem.
6. LocalCard - A Potential Player in Localized Services#
LocalCard focuses on localized features, trying to carve out a niche in specific regional markets. It supports USDT deposits, with a functional design leaning towards simplicity and practicality, suitable for users who do not want to deal with complicated processes. However, due to its narrow positioning, its global usability is somewhat limited.
Advantages: Thoughtful localized services, simple card issuance process.
Disadvantages: Limited recognition and coverage.
Suitable for: Users primarily focused on local consumption who do not seek complex features.
7. Chicha - Niche but Unique#
Chicha is a relatively niche choice, suitable for users who enjoy exploring new platforms. It supports basic cryptocurrency deposits and consumption, but its overall functionality is still being improved. If you are curious about new things, it might be worth a try.
Advantages: Niche platform, potentially surprising discounts.
Disadvantages: Low maturity, relatively higher risk.
Suitable for: Adventurous users willing to try new things.
Comprehensive Advice: Choose According to Your Needs, Don't Follow the Crowd Blindly#
From the analysis above, Dupay is suitable for users seeking an all-around experience, VCard is the first choice for low-cost and physical card needs, while PokePay has unique advantages in HKD settlement and domestic QR code payments. If you just want a simple cash-out, WasabiCard or LocalCard will suffice; if you are a Bybit user, Bybit Card is more convenient; as for Chicha, it is suitable for those who enjoy trying new things.
When selecting a card, in addition to functionality and fees, also pay attention to the platform's stability and customer service response speed. After all, safety is paramount when it comes to cashing out. It is advisable to test with a small amount first, confirming that everything is fine before increasing your investment. I hope this analysis helps you find your ideal U card and successfully solve your cash-out challenges!