Virtual Credit Card（Virtual Credit Card，VCC）is a type of credit card without a physical card, commonly referred to as virtual card. Most overseas virtual credit cards are also virtual debit cards, meaning they require preloading funds before spending, and there is no credit limit or overdraft. However, virtual cards provide a very convenient online payment method for international payments and cross-border spending, such as overseas shopping, purchasing overseas servers, and subscribing to foreign apps and software memberships.
Domestic debit and credit cards generally cannot be bound or used for payments in overseas consumption scenarios, including popular AI subscription memberships (such as ChatGPT Plus, OpenAI API, Claude, Midjourney, GitHub Copilot), which cannot be recharged for consumption. However, with a virtual credit card, there is no need to worry about the cross-border payment restrictions of traditional domestic credit cards. Therefore, having one or more overseas virtual credit cards is particularly important, and most importantly, they should be safe and stable, ideally ready to use upon registration, avoiding various authentication reviews.
Recommended Virtual Credit Cards: WildCard, VCard, Dupay, PokeCard, WasabiCard (it is recommended to use them immediately after recharging, do not keep too much balance)
WildCard Virtual Credit Card#
Recommendation Reason: RMB card opening, no monthly fee, recharge via Alipay/WeChat Pay, OpenAI/ChatGPT friendly, no KYC certification required
- WildCard Official Website: leixue.com/go/wildcard
- WildCard Invitation Code: LEIXUE
- Card Opening Fee: $11.99 for 2 years; $16.99 for 3 years (get $1 off using the above link or invitation code, no monthly fee)
- Recharge Methods: Alipay, WeChat Pay, Hong Kong Alipay
- Minimum Recharge: $5
- Recharge Fee: 3.5%, no withdrawal fee, real-time arrival
- Consumption Fee: None, 2% refund fee, 1% + $0.5 fee for non-US merchants/non-USD transactions
- Real-name Authentication: No KYC certification, optional Alipay facial recognition, unverified limit of $100/month, verified limit of $3000/month
- Additional Features: Free one-click upgrade to ChatGPT Plus, OpenAI API forwarding, overseas phone number, overseas email, etc. for cardholders
- Additional Services: Provides paid AI on-demand service, allowing direct use of native ChatGPT Plus and Claude Pro services without an account in China
VCard Virtual Credit Card#
Recommendation Reason: USDT recharge consumption, supports binding Alipay/WeChat/PayPal for consumption and transfers, can apply for a physical card
- VCard Official Website: leixue.com/go/vcard
- VCard Invitation Code: 123912
- Card Opening Fee: Starting from 5/10/20/50 USDT, different card opening fees apply, no monthly fee currently
- Recharge Methods: USDT
- Minimum Recharge: 10 USDT (USD)
- Recharge Fee: Starting from 1.5%
- Consumption Fee: Starting from 0.1%, minimum 0.2 per transaction
- Real-name Authentication: Partial KYC certification, some exempt from real-name authentication
- Special Features: Paid unlocking for transfers to Alipay
- Additional Services: Can apply for a physical card, supports ATM withdrawals
PokePay Virtual Credit Card#
Recommendation Reason: HKD card, USDT recharge, domestic consumption, U currency consumption
- PokePay Official Website: leixue.com/go/pokepay
- PokePay Invitation Code: 165255 (using this code can get a $12.8 card opening coupon)
- Recharge Methods: USDT / BTC / USDC / ETH
- Minimum Recharge: No limit
- Card Opening Fee: $20, no monthly fee (using invitation code "165255" can get a coupon)
- Fees: 1% for consumption / 1% for currency conversion
- Real-name Authentication: Virtual card Lv1 certification (can use non-real information) / Physical card Lv2 must be real
- Characteristics: Issued in Hong Kong, HKD card supports multi-currency consumption, supports 3DS verification, can bind Hong Kong Alipay for domestic QR code consumption
Dupay Virtual Credit Card#
Recommendation Reason: USDT recharge consumption, multi-currency support, no recharge threshold, supports binding Alipay/WeChat Pay
- Dupay Official Website: leixue.com/go/dupay
- Dupay Invitation Code: 362187
- Card Opening Fee: Starting from 20/50 USDT; monthly fee 0.5 USDT/no fee
- Recharge Methods: USDT
- Minimum Recharge: Above 5 USDT, cross-chain contract recharges cannot be credited, other currencies cannot be credited, and amounts below 5 USDT cannot be credited
- Recharge Fee: 1.60%/1.40%/1.20%
- Consumption Fee: All consumption fees waived, if the consumption currency is not USD, it will be settled at international standard exchange rates
- Real-name Authentication: Subscription cards do not require authentication; KYC certification requires a passport or ID card (a video of oneself reading random numbers), name and date of birth
Although WildCard and VCard may be slightly more expensive in card opening or fees compared to some smaller platforms, our overall experience with their product functionality feels more stable. Additionally, VCard has a publicly listed company background, and WildCard's online customer service is also very good. The platform is continuously optimizing and improving user experience, showing a genuine commitment to product development.
Recommended Virtual Credit Cards: WildCard, VCard, Dupay, PokeCard, WasabiCard
Caution: Nothing is absolute; all virtual cards may have some uncontrollable factors. It is recommended to recharge immediately for use and not to keep too much balance. To ensure subscription renewals, recharge a day or two in advance.