The overseas virtual credit card (Virtual Credit Card, abbreviated as VCC) has become a powerful assistant for domestic users to subscribe to overseas services, shop across borders, and pay for AI tools. For overseas platforms like ChatGPT Plus, Claude, Netflix, and Spotify, domestic bank cards often fail due to regional restrictions, which is when virtual credit cards come in handy. Today, let's talk about how to recharge a US virtual credit card using USDT, how to purchase USDT to complete the recharge process, and recommend several virtual card platforms suitable for domestic users.
Recommended Overseas Virtual Cards: WildCard, VCard, PokePay, Dupay, WasabiCard, LocalCard
Recommended USDT Purchase: OKX, Binance, HTX
The Charm of Virtual Credit Cards: Simple and Safe#
A virtual credit card is essentially a digital payment tool that has no physical card but functions almost identically to a traditional credit card. Its biggest advantage is security—each transaction can generate a unique card number, protecting your real account information from being leaked. Moreover, the application threshold for virtual cards is low, usually without cumbersome qualification reviews, making them particularly suitable for domestic users who need to quickly access overseas services.
Currently, there are many virtual credit card platforms on the market, such as WildCard, VCard, PokePay, Dupay, WasabiCard, and LocalCard. Each has its own features but is very stable and secure, suitable for domestic users. Especially WildCard, which is designed specifically for domestic users, supports direct card opening and recharging through Alipay scanning, making the operation incredibly simple, and is a representative of "user-friendly" virtual cards for Chinese users.
General Process for Recharging Virtual Cards with USDT#
Apart from WildCard, other virtual cards like VCard, PokePay, and Dupay usually require recharging through USDT (Tether). USDT is a stablecoin pegged to the US dollar at a 1:1 ratio, widely used for cryptocurrency trading and virtual card recharging. Here are the general steps for USDT recharging:
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Register a Virtual Card Account:
Choose your preferred virtual card platform, such as PokePay or Dupay, register an account, and complete the necessary identity verification (KYC). Some platforms like Dupay offer Lite cards that do not require KYC, suitable for privacy-conscious users. -
Obtain the Recharge Address:
Log in to the virtual card platform, go to the "Recharge" page, select USDT as the recharge currency, and the platform will generate a unique recharge address (usually supporting TRC20, ERC20, etc.). Copy this address carefully! -
Purchase USDT:
You need to buy USDT on a cryptocurrency exchange, such as OKX, Binance, or HTX. Taking Binance as an example:- Register and complete real-name verification (upload ID, may require video verification).
- Use Alipay or WeChat to deposit RMB into your account.
- On the trading page, select "Buy USDT," choose Alipay or WeChat payment, and enter the purchase amount (it is recommended to buy a little extra to cover fees).
- After payment is completed, USDT will arrive in your Binance wallet, usually within 5-10 minutes.
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Transfer USDT to the Virtual Card:
Open the exchange's "Withdraw" page, select USDT, paste the previously copied virtual card recharge address, choose the corresponding network (like TRC20), enter the recharge amount, and confirm the transfer. The transfer usually arrives within 5-10 minutes, after which you can see the balance on the virtual card platform. -
Use the Virtual Card for Spending:
Once the balance is credited, you can use the virtual card to pay for various overseas services like ChatGPT Plus, OpenAI API, Amazon shopping, etc. Some platforms like PokePay also support binding to Alipay or WeChat for convenient domestic spending.
WildCard: A Worry-Free Choice Without USDT#
Although the USDT recharge process is not complicated, for those unfamiliar with cryptocurrency, the operations of registering on an exchange, buying coins, and transferring can still be a bit daunting. At this point, WildCard becomes particularly considerate. It does not require you to deal with USDT at all; you can complete card opening and recharging directly through Alipay or WeChat, making the operation as simple as shopping on Taobao.
Another highlight of WildCard is that it does not require KYC verification; you can use it immediately after registration, supporting the opening of up to 200 virtual cards, making it especially suitable for individuals or companies that need to make bulk payments. Moreover, it has a very high success rate for payments to AI tools like ChatGPT, Claude, and Midjourney, covering over 90% of overseas subscription scenarios. The only small downside is that there is a 1% cross-border fee for non-USD spending, but considering its convenience, this cost is completely acceptable.
Tip: Now, register through the WildCard official website using the invitation code "LEIXUE" to enjoy card opening discounts. Go try it out!
Features of Other Virtual Cards#
If you prefer USDT recharging, VCard and Dupay are also good choices. VCard has low fees, suitable for cryptocurrency users, and can be linked to Alipay for domestic spending; Dupay is an established platform that supports various card BINs, is easy to apply for, but may occasionally undergo system maintenance. PokePay supports both physical and virtual cards, suitable for users who need offline spending, while WasabiCard and LocalCard are more suitable for niche needs, with balanced functionalities.
Conclusion: Choose the Right Virtual Card for You#
In summary, virtual credit cards are the "pass" for domestic users to explore the overseas digital world. If you seek simplicity and peace of mind, WildCard is undoubtedly the first choice, with Alipay recharging, no KYC, and stable payments, perfectly suited for services like ChatGPT. If you are familiar with cryptocurrency, VCard, PokePay, or Dupay can also meet your needs, just buy some USDT through OKX or Binance to get started. Regardless of which option you choose, remember to decide based on your usage scenario and budget, and don't forget the invitation code "LEIXUE" for WildCard!