Friends who have been in the cryptocurrency 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 right now. As a "U card expert" with considerable research on various cash-out U cards, today I will discuss several mainstream options for cashing out in China, providing a summary of recommended choices from the perspectives of usage scenarios, fees, stability, and more. The following recommendations are based on my actual experiences and user feedback, and I hope they can 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 cryptocurrency 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 rates as low as 1.35%, which is quite competitive 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 cash withdrawals at ATMs or swiped at POS machines, 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 Turkish e-commerce). If you have USDT and are looking for a stable, low-cost cash-out method, VCard is worth trying. 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, settling in Hong Kong dollars, and 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, making it very friendly for small players. Even more impressive is that it can be linked to Hong Kong Alipay (AlipayHK), allowing direct scanning for consumption in China, making it a "hidden channel" for cashing out in the cryptocurrency space.
Moreover, PokePay also offers a physical card that supports ATM withdrawals and offline POS swiping, 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 is not to 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 space, has a large user base and high recognition, almost synonymous with early cashing out in the cryptocurrency space. It supports USDT deposits, has low application thresholds, and offers various options including VISA and MasterCard to meet overseas payment needs like ChatGPT and OpenAI. However, its drawbacks are also quite obvious: occasional system maintenance can lead to inability to deposit or withdraw, and there have been rumors of it shutting down (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; you can recharge as much as you want, and it is convenient to link with 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. To learn more, 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 cryptocurrency ecosystem, then Bybit Card is a good choice. As an official card launched 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 cryptocurrency players, especially those who need to cash out large amounts or trade frequently. It supports global consumption and ATM withdrawals, but its direct binding function in China is slightly weaker, requiring some workaround. The official website link is: https://ucards.org/go/bybitcard, those with exchange accounts can consider it first.
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 complicated 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 out 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 surprise you.
The official website is here: https://ucards.org/go/localcard, suitable for friends who enjoy exploring lesser-known options.
7. Chicha: A 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 has moderate rates and a simple interface, but currently has a low market share and few user reviews. 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 player with a large amount of USDT, prioritize stability with VCard or Bybit Card. If you want to scan for consumption directly in China, PokePay is the first choice. For beginners or those with limited budgets, Dupay and WasabiCard have low thresholds and are quick to get started. 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 shutdowns 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, opening several cards to diversify funds can help cope with unexpected situations and allow for flexible switching based on different scenarios.