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 USD 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, WasabiCard. Below is an in-depth evaluation and analysis to help you find the best 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 USD payments, Visa/MasterCard are restricted by bank risk controls, and PayPal binding is complex and unstable. Virtual credit cards provide US 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, with the $20 monthly fee for ChatGPT Plus and on-demand recharges for OpenAI API requiring stable and reliable payment channels.
2. In-Depth Evaluation of Five Virtual Credit Cards#
1. WildCard: Tailored for Domestic Users#
Recommended US 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, and 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 3.5% recharge fee, no fees for consumption, and only a 1% + $0.5 fee for non-USD transactions, making it transparent and affordable.
User Experience: I used WildCard to subscribe to ChatGPT Plus, recharging $25 (including a $5 pre-authorization), and the payment was instant via Alipay. After binding to the OpenAI official website, the payment was smooth with no 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 credited to Alipay in real-time, 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 through USDT, suitable for users familiar with cryptocurrencies. Opening a card is free, but it requires binding a cryptocurrency 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 cryptocurrency background but 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, supporting only a few 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: 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 many services but is complicated to operate, requiring binding to a cryptocurrency account.
User Experience: While paying for Midjourney, PokePay performed adequately, but the recharge process was time-consuming, with occasional maintenance interruptions. It offers low cost-effectiveness for ordinary users.
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 in actual testing, the payment failure rate was high.
User Experience: The binding process was cumbersome, customer service response was slow, 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 with USDT recharges and lack stability, making them difficult 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 for developers recharging OpenAI API or content creators subscribing to Midjourney, WildCard provides a one-stop solution. Want to easily unlock ChatGPT Plus? Visit US Virtual Credit Card now, register using the invitation code "LEIXUE" to enjoy card opening discounts, and start a new tech life.