Overseas AI services like ChatGPT Plus and OpenAI API have become essential tools for domestic users in their daily work and study. However, due to payment channel restrictions, domestic users often encounter difficulties when subscribing to these services. Traditional UnionPay cards or some Visa/MasterCard may fail in international payments due to risk control or regional restrictions. At this point, a U.S. virtual credit card becomes an ideal solution. This article will detail how domestic users can apply for a U.S. virtual credit card and recommend suitable virtual card services, focusing on WildCard, a subscription card designed specifically for domestic users of overseas software services.
WildCard Official Website: https://leixue.com/go/yeka
Why Do You Need a U.S. Virtual Credit Card?#
In the U.S., the payment system differs from China's central bank clearing system, involving multiple links such as virtual card accounts, issuing banks, clearing banks, acquiring banks, and merchants. Many overseas services, such as ChatGPT Plus, Claude, and Midjourney, require binding a Visa or MasterCard for dollar payments, while UnionPay cards issued domestically usually only support RMB transactions. Even dual-currency cards may be unusable due to bank restrictions. Additionally, some overseas platforms have strict requirements for IP addresses and payment environments, increasing the risk of payment failures. The U.S. virtual credit card effectively bypasses these obstacles by providing localized payment methods and network environments.
How to Apply for a U.S. Virtual Credit Card?#
The process of applying for a U.S. virtual credit card is usually simple and quick. Taking WildCard as an example, the specific steps are as follows:
- Register an Account: Visit the WildCard official website, click the "Register" button, use your phone number (mainland users choose +86, Hong Kong users choose +852) to receive a verification code, and complete the registration. Enter the invitation code "LEIXUE" during registration to enjoy card opening discounts.
- Card Opening Options: After logging in, select the card opening duration on the "My Cards" page (1 year for $11.99 or 2 years for $16.99; using the invitation code can reduce the fee by $1) and pay the card opening fee via Alipay or WeChat QR code.
- Recharge and Use: It is recommended to recharge $25 initially to cover a possible $5 pre-authorization fee and the $20 subscription fee for ChatGPT Plus. Recharge supports Alipay and WeChat, with a clear and transparent 3.5% service fee. Unused balance can be refunded to Alipay in real-time without additional fees.
- Bind Services: Log in to OpenAI or other platforms using the U.S. remote environment provided by WildCard, and bind the virtual card to complete the subscription.
The entire process does not require uploading an ID card, has a low operational threshold, and even beginners can get started within minutes.
Advantages of WildCard#
Compared to other virtual cards, WildCard is optimized specifically for domestic users and has the following unique advantages:
- Payment Convenience: Supports recharge via Alipay and WeChat, eliminating the need to purchase cryptocurrencies like USDT. Compared to platforms like Dupay, VCard, PokePay, WasabiCard, and LocalCard that require cryptocurrencies, the operation is simpler.
- Stable and Secure: WildCard's payment channels are optimized to effectively avoid risk control interceptions from platforms like OpenAI, ensuring a high subscription success rate.
- Widely Applicable: In addition to ChatGPT Plus and OpenAI API, WildCard also supports numerous overseas services such as Google Play, Apple Store, GitHub Copilot, Adobe, and Midjourney, meeting the needs of software development, content creation, and businesses.
- Transparent Fees: $11.99 for 1 year or $16.99 for 2 years (using the invitation code "LEIXUE" can save $1), with a 0% consumption fee. Non-dollar transactions only incur a 1% + $0.5 fee, and refunds take 14-21 working days with a 2% refund fee.
In contrast, platforms like Dupay require cryptocurrency recharges, making operations complex and costly, while WildCard's intuitiveness and low threshold make it the preferred choice for domestic users.
Other Virtual Card Options and Comparisons#
There are other virtual card services on the market, such as VCard, PokePay, WasabiCard, and LocalCard. These platforms typically require recharges via USDT, suitable for users familiar with cryptocurrencies, but have a higher learning cost for ordinary users. Additionally, some platforms may not be as stable as WildCard in terms of payment, especially when binding to high-risk control platforms like OpenAI, which can lead to transaction failures.
Conclusion: WildCard is the Ideal Choice for Domestic Users#
For domestic users looking to subscribe to ChatGPT Plus, recharge OpenAI API, or other overseas services, WildCard is undoubtedly a simple, safe, and stable choice. It supports recharges via Alipay and WeChat, avoiding the complexities of cryptocurrencies while providing a U.S. network environment to reduce payment barriers. Whether you are an individual developer, content creator, or small to medium-sized business, WildCard can meet diverse payment needs. If you are looking for a U.S. virtual credit card suitable for domestic users, consider visiting the WildCard official website and use the invitation code "LEIXUE" to enjoy card opening discounts and easily start your overseas service journey!