In 2025, more and more domestic users began to access overseas AI services, streaming platforms, and cross-border e-commerce, such as ChatGPT Plus, OpenAI API, Netflix, Amazon shopping, etc. However, domestic credit cards often cannot be directly used for payments on these overseas platforms, making a reliable overseas virtual credit card a "lifesaver." Today, I will introduce several virtual credit cards suitable for domestic users, especially the recommended WildCard, as well as VCard, PokePay, Dupay, and WasabiCard, to help you understand their pros and cons, as well as how to easily open and recharge your card!
Recommended Overseas Virtual Cards: WildCard, VCard, PokePay, Dupay, WasabiCard
Recommended USDT Purchase: OKX, Binance, HTX (New users are recommended to download the OKX APP to purchase USDT)
Why Do You Need a Virtual Credit Card?#
A Virtual Credit Card (VCC) is a payment tool that does not have a physical card, usually provided by banks or fintech companies with a set of virtual card numbers, expiration dates, and CVV codes, specifically for online payments. Compared to traditional credit cards, virtual cards have several advantages:
- High Security: The virtual card number is independent of your main account, reducing the risk of information leakage.
- Convenient Cross-Border Payments: Supports multiple currencies such as USD and EUR, perfectly compatible with overseas platforms.
- Low Application Threshold: No complicated credit checks are required; you can use it as soon as you register.
For domestic users, virtual cards can also bypass the restrictions of domestic credit cards for overseas payments, making them particularly suitable for subscribing to AI services (like ChatGPT Plus), shopping abroad, or binding to the US App Store.
Recommendation 1: WildCard - The First Choice for Domestic Users#
When it comes to virtual cards suitable for domestic users, WildCard is definitely a star player in 2025! It is designed specifically for domestic users, with the biggest highlight being that it supports direct card opening and recharging via Alipay and WeChat, completely eliminating the need to deal with cryptocurrency. Compared to other virtual cards that require purchasing USDT through OKX, Binance, or HTX, the operation of WildCard is incredibly user-friendly!
WildCard Card Opening Tutorial#
- Visit the WildCard official website and click "Register" in the upper right corner.
- Enter your phone number (for mainland users, select +86), obtain the verification code, and submit.
- On the "My Cards" page, choose the card duration (1 year for $11.99 or 2 years for $16.99), and enter the invitation code LEIXUE to enjoy a discount.
- Use Alipay or WeChat to scan the code to pay the card opening fee and complete real-name verification (only requires name and ID number).
- After successfully opening the card, check the virtual card number, expiration date, and CVV, and it is recommended to recharge $25 for the first time to cover OpenAI's pre-authorization fee.
The payment channels for WildCard have been optimized, with a very high success rate, making it easy to subscribe to ChatGPT Plus, Claude, or recharge OpenAI API. The key point is that it does not require KYC verification, saving you the trouble of uploading documents, and privacy protection is also better.
Other Virtual Card Recommendations: Each with Its Own Features#
If you have USDT on hand or prefer cryptocurrency payments, the following virtual cards are also worth considering:
1. VCard - The Preferred Choice for Cryptocurrency Users#
VCard is suitable for users who are already familiar with cryptocurrency. It supports recharging USDT through exchanges like OKX, and its biggest feature is that it can be linked to Alipay or WeChat, allowing for USDT consumption in China. VCard has a wide range of payment scenarios, including ChatGPT, Claude, and recharging the US App Store. However, the recharge threshold is slightly higher, making it suitable for users with a certain cryptocurrency foundation.
2. PokePay - Flexible Multi-Currency Options#
PokePay settles in Hong Kong dollars and supports multiple currencies such as USD and EUR. It not only provides virtual cards but also offers physical card options, covering both online and offline payment needs. PokePay supports USDT, BTC, and ETH recharges, with a fee of 1%, and a 1% conversion fee for non-HKD consumption. Its highlight is that there are no minimum recharge or consumption amount requirements, making it suitable for small transaction users.
3. Dupay - Established and Stable#
Dupay is the "big brother" in the virtual card industry, with a large user base and support for VISA and MasterCard. It allows recharging through USDT and is suitable for scenarios like ChatGPT, Netflix, and PayPal. Although there may be occasional maintenance periods, its overall stability is good, making it suitable for users seeking multifunctionality.
4. WasabiCard - Niche but Promising#
WasabiCard is an emerging option with balanced features, supporting USDT recharges, making it suitable for cryptocurrency users as a backup card. Although it is not as well-known as the other options, its stability is improving and is worth paying attention to.
How to Choose the Right Virtual Card for You?#
- If you are a novice user: Directly choose WildCard, as Alipay recharging is simple and straightforward, with a high success rate.
- If you are familiar with cryptocurrency: You can consider VCard or PokePay for greater flexibility.
- If you seek stability: Dupay is an established choice, suitable for long-term use.
- If you want to try new platforms: WasabiCard can serve as a backup.
Tips: Recharge and Usage Precautions#
- It is recommended to recharge a bit more for the first time: For example, it is suggested to recharge $25 for WildCard to cover possible pre-authorization fees (like OpenAI's $5 pre-authorization).
- Pay attention to fees: Cryptocurrency recharges may incur a fee of 1%-3%, depending on the platform.
- Protect card information: Although virtual cards are secure, avoid leaking the card number and CVV.
- Timely use of balance: Virtual card platforms may go offline, so it is advisable to use the funds immediately after recharging to avoid keeping too much balance.
Summary: WildCard Unlocks Overseas Payments with One Click#
Overall, WildCard is undoubtedly the best choice for domestic users in 2025. It not only operates simply and supports Alipay recharging but also enables stable payments for ChatGPT Plus, OpenAI API, and other overseas services, truly achieving "card opening and immediate use, worry-free payments." If you are still troubled by overseas payments, you might as well try WildCard, and entering the invitation code LEIXUE will also give you a card opening discount! Other virtual cards like VCard, PokePay, Dupay, and WasabiCard also have their advantages, so choose according to your needs. Go to WildCard to start your global shopping journey!