Friends who have been in the crypto space know that cashing out is an unavoidable topic. Whether you want to convert your USDT, BTC, and other cryptocurrencies into spendable funds or need to use them flexibly in domestic daily scenarios, U cards (virtual credit cards or prepaid cards) have become one of the hottest tools today. As a "U card expert" with extensive research on various cash-out U cards, I will discuss several mainstream options for cashing out in China today, sorting out the recommended options from the perspectives of usage scenarios, fees, stability, and more. The following recommendations are based on my actual experience and user feedback, hoping to help you avoid detours on your cash-out journey.
1. VCard: Dual Assurance of Stability and Functionality#
When it comes to cash-out U cards, VCard is definitely a dark horse in the hearts of crypto players. It is backed by the publicly listed American company WETG.US, ensuring compliance, and the team consists of veterans from the payment industry, giving an overall reliable impression. VCard supports USDT deposits with fees as low as 1.35%, which is quite outstanding compared to other cards that often charge over 2%. More importantly, it not only offers virtual cards but also has a Mastercard physical card that can be used for ATM withdrawals or POS transactions, covering both online and offline needs.
For domestic users, VCard's advantage lies in its multifunctionality. In addition to common scenarios like ChatGPT subscriptions and overseas shopping, it can also be linked to PayPal and Google Pay, and even supports 3DS verification for certain channels (like the Turkish market). If you have USDT on hand and are looking for a stable, low-cost cash-out method, VCard is worth a try. The official website link is here: https://ucards.org/go/vcard, feel free to check it out.
2. PokePay: "Hong Kong-style" Choice for Domestic Consumption#
Next, I recommend PokePay. The biggest highlight of this card is its Hong Kong background, issued in Hong Kong and settled in Hong Kong dollars, supporting multi-currency consumption including US dollars. PokePay's virtual card (PokeCard) does not require strict KYC, with a fee of only 1%, and a 1% conversion fee for non-HKD transactions, but there is no minimum recharge threshold, which is very friendly for small players. Even more impressive, it can be linked to Hong Kong Alipay (AlipayHK), allowing direct QR code payments in China, making it a "hidden channel" for cashing out in the crypto space.
Moreover, PokePay also offers a physical card that supports ATM withdrawals and offline POS transactions, covering overseas scenarios like Netflix and App Store, and even supports 3DS verification. For those looking to convert USDT for daily use in China, the flexibility of this card cannot be overlooked. The official website address is: https://ucards.org/go/pokepay, definitely worth exploring.
3. Dupay: Classic Choice for Veteran Players#
Dupay, as a "veteran" in the U card world, has a large user base and high recognition, almost synonymous with early cash-out options in the crypto space. It supports USDT deposits, has a low application threshold, and offers various options including VISA and MasterCard to meet overseas payment needs for services like ChatGPT and OpenAI. However, its drawbacks are also quite apparent: occasional system maintenance can lead to inability to deposit or withdraw, and there have even been rumors of it going offline (fortunately, it has survived). Dupay has also launched a Euro card, attempting to expand its market.
For beginners, Dupay's advantage lies in its simplicity of operation, allowing you to recharge as much as you need, and it is also convenient for linking to domestic platforms (like Alipay and WeChat) for consumption. However, if you have high stability requirements, you may need to pair it with other cards as a backup. For more information, you can check the official website: https://ucards.org/go/dupay.
4. Bybit Card: Hardcore Choice Backed by an Exchange#
If you are a user of the Bybit exchange or are already involved in the crypto ecosystem, then Bybit Card is a good choice. As an officially launched card by Bybit, it directly connects to your exchange account, supporting deposits in various cryptocurrencies like USDT and BTC, automatically converting them into fiat currency during consumption, saving a lot of intermediate steps. The fees are not the lowest, but the strong background ensures fund security.
Bybit Card is more suitable for heavy crypto players, especially those who need to cash out large amounts or trade frequently. It supports global consumption, and ATM withdrawals are also fine, but the functionality for direct binding in China is slightly weaker and requires some workaround. The official website link is: https://ucards.org/go/bybitcard, which can be prioritized if you have an exchange account.
5. WasabiCard: Low-key Practical Potential Stock#
WasabiCard (note that its official website link is the same as PokePay, possibly a branch product under the same system) is relatively low-key but has impressive functionality. It supports USDT deposits, covering overseas subscriptions and cross-border e-commerce scenarios, with relatively friendly rates. The advantage of WasabiCard lies in its simplicity and ease of use, suitable for users who do not want to deal with complex processes.
However, due to its low recognition, community feedback is limited, and its stability remains to be observed. If you are looking for cost-effectiveness and are willing to try new cards, you can check the official website: https://ucards.org/go/pokepay.
6. LocalCard: Niche but Unique#
LocalCard is a niche choice that focuses on localized services. It supports cryptocurrency deposits and can be used for certain overseas payment scenarios, such as shopping on Amazon or Google Pay. However, compared to the previous cards, its functionality is somewhat limited, and its adaptability for domestic consumption is not strong enough. Nevertheless, for specific needs (like exclusive payments in certain regions), LocalCard may offer surprises.
The official website is here: https://ucards.org/go/localcard, suitable for friends who enjoy exploring obscure options.
7. Chicha: New Player's Exploration#
Finally, let's talk about Chicha, a relatively new U card. It supports USDT deposits and is positioned similarly to Dupay, focusing on overseas consumption and cross-border payments. Chicha's fees are moderate, and the interface is simple, but its current market share is low, and user reviews are few. If you are an adventurous player or if other cards temporarily do not meet your needs, you might consider it. The official website link is: https://ucards.org/go/chicha.
How to Choose the Right U Card for You?#
After discussing so much, which card should you choose? I think it depends on your specific needs. If you are an experienced crypto player with a large amount of USDT, prioritize stability with VCard or Bybit Card. If you want to make direct QR code payments in China, PokePay is the first choice. For beginners or those with a limited budget, Dupay and WasabiCard have low thresholds and are easy to use. As for LocalCard and Chicha, they are more suitable as backup cards or supplements for specific scenarios.
Tips: Safety First, Diversify Usage#
Finally, a reminder: while cash-out U cards are convenient, the risks of platform failures and policy changes always exist. It is advisable not to keep too much balance in a single card; using it as you recharge is the safest. Additionally, having multiple cards to diversify funds can help you deal with unexpected situations and switch flexibly according to different scenarios.