Friends who are familiar with the cryptocurrency space know that cashing out is an unavoidable topic. Turning digital assets into spendable money for daily consumption or cross-border payments, choosing a reliable U card is key. In 2025, the demand for cashing out in the domestic cryptocurrency market is growing stronger, and there are many types of U cards available, but those suitable for users in mainland China need to be carefully selected. Today, as a “ U Card Expert ” well-versed in U cards, I will summarize the best cash-out U cards for cryptocurrency users in mainland China in 2025, with PokePay as the top recommendation, followed by VCard, and discuss several other noteworthy U cards to help you find the one that suits you best.
Why Do You Need a Cash-Out U Card?#
First, let’s talk about why U cards are so popular in the cryptocurrency space. While cryptocurrencies are gaining momentum, turning USDT, BTC, and other digital assets into fiat currency that can be spent directly, or used to pay for ChatGPT Plus, Netflix subscriptions, or even for overseas shopping, U cards are currently the most convenient bridge. They combine the features of virtual credit cards and cryptocurrencies, allowing for online payments and supporting some offline consumption scenarios, making them particularly practical for domestic users. The key is that U cards can also bypass some restrictions of traditional bank cards, such as the issue of domestic credit cards not supporting certain overseas platforms.
When choosing a U card, I generally consider these points: Recharge threshold, Fees, Stability, Support for domestic consumption, and Ease of card issuance. Based on these criteria, PokePay and VCard are undoubtedly the leaders in 2025, and I will discuss them in detail below.
First Choice: PokePay — Beginner-Friendly, Compliant and Reliable#
PokePay is definitely the top choice for cryptocurrency users in mainland China in 2025. Why? It is tailor-made for beginners and users with limited budgets! PokePay holds financial licenses from the US MSB (Money Services Business) and Hong Kong MSO (Money Services Operator), ensuring compliance and safety. Its core product, PokeCard, supports both virtual and physical cards, allowing recharge with various cryptocurrencies such as USDT, USDC, BTC, ETH, and cashing out to Hong Kong dollars for global consumption or withdrawals.
Highlights of PokePay#
- Low Threshold: KYC certification is divided into two levels; level one only requires an ID number to open a virtual card, and level two requires facial recognition to apply for a physical card, making the process incredibly simple.
- No Monthly Fee: Many U cards charge a monthly fee, but PokePay waives it, saving you some expenses.
- Affordable Rates: The consumption rate is about 2%, and the withdrawal rate is 3%, making it particularly friendly for small users.
- High Domestic Support: Some scenarios support binding domestic payment tools like WeChat and Alipay, making withdrawals to domestic accounts super convenient.
A friend of mine previously used PokePay to convert USDT to Hong Kong dollars and directly used the card for consumption in Hong Kong; the process was as smooth as drinking water. Its official website is also very intuitive, and it can be managed easily through a mobile browser, suitable for cryptocurrency newcomers who don’t want to deal with complicated processes.
Second Choice: VCard — The King of Stability and Cost-Effectiveness#
Following PokePay, VCard is another recommended U card, especially suitable for users seeking stability and cost-effectiveness. VCard has a good reputation in the cryptocurrency space, particularly in supporting domestic consumption scenarios, where it performs exceptionally well. Its consumption rate ranges from 1.2% to 1.8%, and the withdrawal rate is about 2%, slightly lower than PokePay, but the card issuance process is a bit more complex.
Advantages of VCard#
- Super High Stability: VCard's system stability ranks among the best among U cards, making it suitable for long-term users.
- Multi-Currency Support: Supports recharge with various cryptocurrencies like USDT and BTC, offering great flexibility.
- Domestic Consumption Friendly: Can be used directly for payments on certain domestic online platforms, such as recharging App Store accounts in the US.
- High Cost-Effectiveness: Low fees make it suitable for users who frequently make small transactions.
Once, I used VCard to pay for a ChatGPT Plus subscription, and it went through instantly after binding, with no delays or refusals. The only downside is that VCard's KYC certification may require submitting more documents, which is a bit cumbersome, but the stability and low rates are definitely worth it.
Other Noteworthy U Cards#
In addition to PokePay and VCard, there are several other competitive U cards on the market that cater to different user needs. Here are a few brief evaluations:
Dupay#
Dupay is an established U card with strong global usability, a consumption rate of 1.5%-2%, and a withdrawal rate of 2.5%. It has a large user base, but its stability is slightly inferior to VCard, making it suitable as a backup card.
Bybit Card#
Bybit Card targets users of cryptocurrency exchanges, offering high security and suitability for overseas consumption scenarios. However, its domestic support is average, and the rates are relatively high, recommended for loyal users of the Bybit exchange.
WasabiCard#
WasabiCard is a high-end choice that supports financial management features, with a consumption rate of 1.8% and a withdrawal rate of 3.5%. However, as a new U card, its stability is yet to be verified, making it suitable for users willing to try new options.
LocalCard & Chicha#
LocalCard and Chicha focus on localized services, with LocalCard even allowing direct transfers to WeChat or Alipay, and a consumption rate of 2%-2.5%. Chicha has a lower rate (1.5%), making it suitable for users with limited budgets, but it is less well-known.
BinPay & LetsPay#
BinPay and LetsPay are more suitable for cross-border e-commerce or advertising scenarios, such as Facebook Ads and Google Ads. They support unlimited card issuance, making them suitable for business users, but the rates are slightly high for individual users.
How to Choose the Right U Card for You?#
When selecting a U card, consider your own needs. If you are a newcomer to the cryptocurrency space with a limited budget, PokePay's low threshold and no monthly fee are definitely the top choice; if you seek stability and low fees, VCard is more suitable for long-term use. For more overseas consumption, consider Bybit Card or WasabiCard; if you need to bind domestic payment tools, LocalCard and Chicha are good options.
Safety and compliance are also very important. U cards like PokePay and VCard, which have legitimate financial licenses, offer better security for your funds. It is advisable to prepare one or two backup cards in case one card encounters issues.
Tips: Avoiding Pitfalls#
- Beware of Scams: U cards like WildCard, which were quite popular, went out of business in July 2025, and their official website is no longer accessible. So when choosing a U card, make sure to pick one with a license and a good reputation.
- Pay Attention to Fees: Different U cards have significant differences in consumption and withdrawal fees, so calculate the costs beforehand.
- KYC Certification: Most U cards require real-name authentication, so prepare your ID and clear photos to avoid repeated submissions.
Conclusion#
In 2025, PokePay and VCard are undoubtedly the top choices for cash-out U cards for cryptocurrency users in mainland China. PokePay wins with its low threshold and flexibility, making it suitable for beginners and small users; VCard, with its stability and low fees, has become a favorite for long-term players. Other cards like Dupay, Bybit Card, and WasabiCard also have their own highlights, and the specific choice depends on your usage scenario and budget. For more details on U cards, you might want to check out the latest reviews from U Card Expert or directly refer to cash-out U card recommendations to find the card that suits you best!