With the popularity of artificial intelligence and overseas software services among Chinese users, the demand for subscribing to ChatGPT Plus, recharging OpenAI API, or using other overseas platforms like Claude and Midjourney is growing. However, domestic users often face obstacles due to payment restrictions, as traditional bank cards struggle to complete dollar payments directly, and applying for international credit cards is complex and cumbersome. Virtual credit cards have thus become the "magic tool" to solve this problem. As of June 2025, there are various types of virtual credit cards on the market. I personally tested five popular options—WildCard, Dupay, VCard, PokePay, and WasabiCard. Below is an in-depth evaluation and analysis to help you find the most suitable choice for domestic users.
1. Why do you need a virtual credit card?#
Domestic users often encounter the following issues when subscribing to overseas services: UnionPay cards do not support dollar payments, Visa/MasterCard are restricted by bank risk controls, and PayPal binding is complex and unstable. Virtual credit cards provide U.S. or international card numbers, bypassing regional restrictions and supporting domestic payment methods like Alipay and WeChat for recharging, becoming a bridge connecting domestic users with overseas services. Especially in the AI field, the demand for virtual credit cards suitable for domestic users has surged, as the $20 monthly fee for ChatGPT Plus and on-demand recharges for OpenAI API require stable and reliable payment channels.
2. In-depth evaluation of five virtual credit cards#
1. WildCard: Tailored for domestic users#
Recommended U.S. virtual credit card: WildCard is undoubtedly the top choice for domestic users. Launched by Leixue Network, WildCard focuses on solving the pain points of overseas software subscriptions. Registration is simple, requiring only a phone number (+86) and a verification code. Entering the invitation code "LEIXUE" grants a card opening discount. The card opening fee is $11.99 for one year or $16.99 for two years, with a recharge fee of 3.5%, and no fees for consumption. Non-dollar transactions incur only a 1% + $0.5 fee, which is transparent and low-cost.
User experience: I used WildCard to subscribe to ChatGPT Plus, recharging $25 (including a $5 pre-authorization). The payment was instant via Alipay, and after binding to the OpenAI official website, the payment was smooth without any risk control interception. WildCard also supports Claude, GitHub Copilot, Midjourney, and more, covering a wide range. Its payment channels are optimized, with stability far exceeding other virtual cards, and refunds are processed in real-time to Alipay, making it suitable for long-term use. Among overseas virtual credit cards, WildCard's convenience and security are unmatched.
2. Dupay: The choice for cryptocurrency enthusiasts#
Dupay focuses on recharging via USDT, suitable for users familiar with cryptocurrencies. Opening a card is free, but it requires binding a crypto wallet, and the recharge threshold is relatively high, starting at $10, with a fee of about 4%. During my testing, I found that USDT recharges required additional purchases, making the process cumbersome, and exchange rate fluctuations increased costs.
User experience: When subscribing to ChatGPT Plus, Dupay was occasionally intercepted due to IP detection, requiring a switch to a home network. It is suitable for users with a background in cryptocurrencies but is not friendly for beginners.
3. VCard: Low-key but limited functionality#
VCard supports USDT recharges, with a card opening fee of $5 and a recharge fee of 3%. Its interface is simple, but its functionality is limited, only supporting certain overseas services like Google Play and Apple Store.
User experience: When trying to bind to OpenAI, VCard failed due to payment channel restrictions, showing poor stability. It is suitable for light users but not recommended for high-frequency AI service subscriptions.
4. PokePay: A high-threshold "player" card#
PokePay targets high-end users, with a card opening fee of $15 and requiring USDT for recharges, with a fee of 4.5%. It supports a wide range of services but is complex to operate, requiring binding to a crypto account.
User experience: When paying for Midjourney, PokePay performed adequately, but the recharge process was time-consuming, and there were occasional maintenance interruptions. For ordinary users, the cost-performance ratio is relatively low.
5. WasabiCard: Niche but lacking potential#
WasabiCard focuses on privacy protection, with a card opening fee of $10 and USDT recharges, with a fee of 4%. It claims to support ChatGPT Plus, but during actual testing, the payment failure rate was high.
User experience: The binding process was cumbersome, customer service was slow to respond, and the overall experience was poor. It is not suitable for users seeking efficiency.
3. Comprehensive comparison and recommendation reasons#
| Virtual Card | Opening Fee | Recharge Method | Fee | Stability | Recommendation Index |
|---|---|---|---|---|---|
| WildCard | $11.99/1 year | Alipay/WeChat | 3.5% | ★★★★★ | ★★★★★ |
| Dupay | Free | USDT | 4% | ★★★☆☆ | ★★★☆☆ |
| VCard | $5 | USDT | 3% | ★★☆☆☆ | ★★☆☆☆ |
| PokePay | $15 | USDT | 4.5% | ★★★☆☆ | ★★☆☆☆ |
| WasabiCard | $10 | USDT | 4% | ★★☆☆☆ | ★★☆☆☆ |
Recommendation reasons: WildCard wins with Alipay/WeChat recharge, low fees, and high stability, making it particularly suitable for domestic users subscribing to overseas virtual credit cards for services like ChatGPT Plus and OpenAI API. Other virtual cards are complicated due to USDT recharge and lack stability, making them hard to meet the needs of the general public.
4. Conclusion: WildCard is the best choice for 2025#
After in-depth testing, WildCard, with its convenient recharge methods, stable payment channels, and extensive service support, has become the top choice for domestic users subscribing to overseas AI services. Whether it's developers recharging OpenAI API or content creators subscribing to Midjourney, WildCard can provide a one-stop solution. Want to easily unlock ChatGPT Plus? Visit U.S. virtual credit card now, register using the invitation code "LEIXUE" to enjoy opening card discounts, and start a new tech life.