Friends who have been in the cryptocurrency space know that cashing out is an unavoidable topic. Whether it's converting your USDT, BTC, and other cryptocurrencies 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 many 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, how should you choose the one that suits you best? 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 choosing a U card, you should ask yourself: What do I really need this card for? Is it simply to convert cryptocurrency into fiat for withdrawal, or do I want to use it for overseas shopping, subscribing to foreign services (like ChatGPT Plus), or directly binding it for domestic consumption? Different usage scenarios have very different functional requirements for the card. For example, some cards excel at low-fee 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.
Additionally, consider your usage habits. For instance, is your cryptocurrency mainly 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 Rankings and In-Depth Analysis#
1. Dupay - A Veteran in Cashing Out, Balancing Stability and Popularity#
If you are an experienced player in the crypto space or want a versatile U card, Dupay is definitely worth considering first. It is one of the earliest virtual cards on 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, PayPal, and even used directly for purchases on Taobao and JD.com. This is a boon for users looking to seamlessly integrate cryptocurrency into their daily lives.
Advantages: Simple application process, supports multiple cryptocurrencies for deposits (mainly USDT), no barriers for domestic consumption, high success rate for overseas payments.
Disadvantages: Fees are not the lowest (deposit rate starts at about 2.2%), occasional long maintenance times may affect the user experience.
Suitable for: Users seeking stability and multi-scenario usage, especially those wanting to turn USDT into "daily 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 you can use offline, VCard might be the right choice for you. It is backed by the US-listed company WETG (WETG.US), 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 for ATM withdrawals or POS transactions, covering both online and offline needs.
Advantages: Low fees, powerful physical card features, 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 with HKD Settlement#
PokePay is a rising dark horse 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, ETH, and the virtual card PokeCard has no small transaction fees or minimum deposit requirements, providing a friendly consumption experience. Notably, it can be linked to Hong Kong Alipay (AlipayHK), making domestic QR code payments effortless. It also plans to launch a physical card in early 2025 to further expand usage scenarios.
Advantages: HKD settlement is suitable for Hong Kong users, convenient domestic QR code payments, 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 withdrawals or temporary payments. WasabiCard's fees and functions are relatively standard, but it excels in ease of use and low entry barriers.
Advantages: Quick card issuance, simple to use, suitable for small transactions.
Disadvantages: Functions are relatively limited, may not be flexible enough for large withdrawals.
Suitable for: New users or those who just want to occasionally test the waters with withdrawals.
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 users of the Bybit platform. 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 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, attempting 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 complex 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 overall functionality is still being improved. If you are curious about new things, it might be worth a try.
Advantages: Niche platform, potentially surprising offers.
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, pay attention to the platform's stability and customer service response speed. After all, safety comes first when it comes to cashing out. It is recommended to test with a small amount first, and confirm 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 difficulties!