On this day in 2025, more and more domestic users need to subscribe to overseas services, such as ChatGPT Plus, Netflix, Spotify, and even cross-border e-commerce shopping. However, domestic bank cards often cannot be used directly due to payment restrictions or currency issues, which is when virtual credit cards become a "savior." Virtual credit cards are not only convenient and fast but also bypass cumbersome KYC verification, making them particularly suitable for users who do not want to expose too much personal information. Today, I will introduce several virtual credit cards suitable for domestic users, along with practical tutorials on how to open and use them, helping you easily handle overseas payments!
Recommended Overseas Virtual Credit Cards: WildCard, VCard, PokePay, Dupay, WasabiCard, LocalCard
Why Choose Virtual Credit Cards?#
Let's talk about why virtual credit cards are so popular. Compared to traditional credit cards, virtual credit cards do not require a physical card, have a simple application process, and offer flexible top-ups. More importantly, many virtual cards support cryptocurrencies or domestic payment methods, such as Alipay and WeChat, making it easy for domestic users to operate. Whether subscribing to overseas AI tools, purchasing electronic products, or making cross-border purchases, virtual credit cards can be very useful.
Next, I will focus on several virtual credit cards suitable for domestic users, including their features and usage methods, making it easier for everyone to choose according to their needs.
Recommendation 1: WildCard, the Top Choice for Domestic Users#
When it comes to the most suitable virtual credit card for domestic users, WildCard definitely ranks at the top! It is designed specifically for domestic users and supports opening cards and top-ups directly via Alipay or WeChat QR codes, making the process simple to the point of being "foolproof." The card opening fee is also very affordable, at $11.99 for one year or $16.99 for two years, and using the invitation code "LEIXUE" can save you an additional $1, offering great value. Even better, WildCard's top-up fee is only 3.5%, and for non-USD transactions, there is only an additional fee of 1% + $0.5, which is transparent and cost-effective.
Card Opening Tutorial:
- Visit the WildCard official website and click to register.
- Fill in your basic information and enter the invitation code "LEIXUE" to enjoy discounts.
- Choose a 1-year or 2-year membership and pay the card opening fee via Alipay or WeChat QR code.
- After successfully opening the card, top up on the "My Cards" page (it is recommended to top up $25 for the first time to cover the $20 subscription fee for ChatGPT Plus and a $5 pre-authorization).
- Obtain the virtual card number and bind it directly for payment on OpenAI or other overseas platforms to easily complete your subscription!
Another highlight of WildCard is its strong stability, making it particularly suitable for subscribing to AI services like ChatGPT Plus and OpenAI API. If you are looking for simplicity and efficiency, WildCard is definitely the top choice.
Other Quality Virtual Credit Card Recommendations#
In addition to WildCard, there are several other virtual credit cards that are also very suitable for domestic users, especially for friends who are accustomed to using cryptocurrencies. Although these cards require purchasing USDT through exchanges for top-ups, their security is equally guaranteed.
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VCard: VCard is aimed at cryptocurrency users, supporting top-ups with BTC, ETH, and USDT. Its feature is that it can be linked to Alipay or WeChat wallets, allowing for direct consumption of USDT in China. It is suitable for crypto enthusiasts, and after top-up, users can manage USD, EUR, and GBP accounts with great flexibility.
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PokePay: PokePay's PokeCard supports HKD Visa virtual cards and physical cards, covering both online and offline consumption scenarios. It supports multi-currency top-ups such as USDT and BTC, and holds US MSB and Hong Kong MSO licenses, ensuring security. It is suitable for users who enjoy multi-scenario consumption.
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Dupay: Dupay is an established virtual credit card that supports USDT top-ups and can be used globally after binding to a Visa or MasterCard. Although it may occasionally be affected by maintenance, it is a good choice as a backup card.
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WasabiCard: WasabiCard focuses on anonymity, requiring no KYC, and supports cryptocurrency top-ups, making it suitable for privacy-conscious users. It is particularly suitable for small transactions, with low fees and simple operations.
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LocalCard: LocalCard leans more towards regional services, suitable for users in specific areas. Although its global usability is slightly weaker, it performs well in certain local consumption scenarios.
How to Top Up These Virtual Cards?#
In addition to WildCard supporting direct top-ups via Alipay, other virtual cards usually require top-ups through cryptocurrencies, such as purchasing USDT via OKX, Binance, or HTX. The top-up steps are as follows:
- Register on the above exchanges and complete identity verification.
- Purchase USDT (it is recommended to test with a small amount to confirm a smooth process).
- Log in to the virtual card platform, select USDT top-up, and copy the wallet address.
- Transfer USDT from the exchange to the virtual card wallet address.
- After the top-up is credited, obtain the card number for consumption.
The entire process is slightly more complex than WildCard, but it is highly secure and suitable for users familiar with cryptocurrencies.
Tips: Considerations When Choosing a Virtual Card#
- Security: Prioritize platforms with legal licenses, such as PokePay's MSB and MSO qualifications.
- Fees: Compare top-up and consumption fees; WildCard's low rates are advantageous.
- Usage: If subscribing to AI services, WildCard is the most convenient; if for multi-scenario consumption, PokePay is more flexible.
- Backup: It is recommended to hold two virtual cards simultaneously (such as WildCard + Dupay) to avoid usage impact due to maintenance on a single platform.
Conclusion: Choose the Right Virtual Card for Worry-Free Overseas Consumption#
In summary, WildCard, with its Alipay top-up, simple operation, and high stability, has become the top choice for domestic users subscribing to overseas services. Other cards like VCard, PokePay, Dupay, WasabiCard, and LocalCard are more suitable for cryptocurrency users, meeting different scenario needs. Whether you are an AI enthusiast or a cross-border shopping expert, choosing a reliable virtual credit card can make your overseas consumption more hassle-free. Try WildCard now, and you can save a bit using the invitation code "LEIXUE"!