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U Card Directory: 22 cards, fees and eligibility

Find the card information you need, then compare eligibility and total costs.

U CARD DIRECTORY

22 U cards: fees, documents and payment use

Search by card name, network or document, then combine filters. The list includes 21 cards without a termination label and one marked as terminated by the reference.

Costs use its first-card, 1,000 USDT, ten-payment, foreign-currency scenario, excluding gas. “≥” is a lower bound; an undisclosed fee is not zero. “Not explicitly excluded” does not confirm eligibility. View reference

Showing 22 / 22 cards

Bleap

Published fees are close to zero; the eligibility page limits access to EEA and Swiss residents.

Cost 0.0%
Documents
Mainland China restricted
Card
VirtualPhysicalMastercard
Funding
SolanaBaseArbitrum
Issuance 0 USDRead review →

MetaMask Card

Uses wallet spending authorizations. Check residence and eligibility restrictions first.

Cost 1.0%
Documents
Passport + proof of addressMainland China restricted
Card
VirtualMastercard
Funding
USDCUSDTmUSDwETHEUReGBPeEURCLinea
Issuance 0 USDRead review →

Tevau

Fixed fees apply per transaction, making payment frequency an important part of the cost.

Cost 3.8%
Documents
ID cardPassport
Card
VirtualPhysicalVisa
Issuance 10 USDRead review →

KripiCard

Offers bulk issuing and published limits, with a 4% plus 1 USD funding fee.

Cost 4.6%
Card
VirtualVisaMastercard
Funding
USDTEthereumTRONBNB ChainSolanaTONBitcoin
Issuance 5 USDRead review →

ExCards

Targets ad payments with detailed pricing. Include both issuance and funding charges.

Cost 7.3%–10.8%
Documents
PassportNo proof of address
Card
VirtualVisaMastercard
Funding
USDTTRC20ERC20BEP20BitcoinPolygonArbitrumOptimism
Issuance 29 USDRead review →

PokePay

The reference lists no monthly or cross-border fee; confirm funding charges in the app.

Cost ≥0.5%
Documents
Passport
Card
VirtualPhysicalVisa
Funding
USDTUSDCBTCETH
Issuance 5 USDRead review →

Bybit Card

Existing Bybit users can check card eligibility; combine crypto conversion and FX costs.

Cost ≥2.8%
Card
VirtualPhysicalVisaMastercard
Funding
USDTUSDCBTCETHXRP
Issuance 0 USDRead review →

Binance Card

Costs depend on the asset used, and available regions must be checked during application.

Cost ≥2.8%
Card
VirtualPhysicalMastercard
Issuance 0 USDRead review →

RedotPay

The reference marks mainland China as restricted. Check residence before comparing costs.

Cost ≥3.1%
Documents
Mainland China restricted
Card
VirtualPhysical
Issuance 10 USDRead review →

Crypto.com Visa Card

Card terms differ by region. Use the pricing and conditions for your own residence.

Cost not disclosed
Card
PhysicalVisa
Funding
Debit / credit card
Issuance fee not disclosedRead review →

OKX Card

The reference lists a USDT payment spread; check eligibility and full pricing in the app.

Cost ≥0.1%
Card
VirtualPhysicalVisaMastercard
Funding
USDCUSDTUSDG
Issuance fee not disclosedRead review →

ether.fi Cash

Document requirements are detailed, while availability depends on the supported-region list.

Cost ≥0.5%
Documents
ID cardPassportPassport + proof of addressMainland China restricted
Card
VirtualPhysicalVisa
Issuance 0 USDRead review →

PST.NET

Provides ad-team features. Include per-card monthly charges alongside transaction costs.

Cost ≥1.0%
Card
VirtualVisaMastercard
Issuance 10 USDRead review →

Nexo Card

The reference describes a European-resident option. Check debit and credit modes separately.

Cost ≥2.0%
Documents
Mainland China restricted
Card
VirtualPhysicalMastercard
Funding
StablecoinsCrypto assetsEURxUSDxGBPx
Issuance 0 USDRead review →

Wirex

ATM rules and limits are published; check spending fees and availability in the app.

Cost ≥0.0%
Documents
Passport + proof of address
Card
VirtualPhysicalVisaMastercard
Funding
Crypto assets
Issuance 0 USDRead review →

UUPAY

Includes ad-payment and TRC20 tags; the reference marks mainland-issued documents as restricted.

Cost ≥1.0%
Documents
Mainland China restricted
Card
VirtualPhysicalVisaMastercard
Funding
USDTOther major stablecoinsTRC20
Issuance 10 USDRead review →

VMCardio

Offers issuing tools for ad teams. Request a written quote where public pricing is missing.

Cost not disclosed
Card
VirtualVisaMastercard
Issuance fee not disclosedRead review →

KAST

Supports multiple assets and networks. Confirm funding, spending fees and account limits.

Cost not disclosed
Documents
Business KYB
Card
VirtualPhysicalVisa
Funding
USDTUSDCPYUSDRLUSDEthereumSolanaPolygonArbitrum
Issuance fee not disclosedRead review →

UPay

The reference flags inconsistent entity information. Verify the operator, terms and pricing.

Cost not disclosed
Card
VirtualPhysical
Funding
BTCETHUSDTUSDC
Issuance fee not disclosedRead review →

PhotonPay

An enterprise option requiring KYB. Pricing is by quote and must not be treated as zero.

Cost not disclosed
Documents
Business KYB
Card
VirtualPhysical
Funding
USDTUSDCFiat
Issuance fee not disclosedRead review →

Bitget Wallet Card

The reference lists no annual or monthly fee, while flagging conflicting regional eligibility pages.

Cost not disclosed
Card
VirtualPhysicalVisaMastercard
Funding
USDTUSDCETHSOL
Issuance fee not disclosedRead review →

DuPay

Marked as terminated in the reference. Retained for historical identification and balance enquiries.

Terminated
Issuance fee not disclosedRead review →

Start with your documents

The reference lists ID cards for ether.fi Cash and Tevau; passports for those two plus PokePay and ExCards; passport plus proof of address for ether.fi Cash, MetaMask Card and Wirex. Business-document tags appear for KAST and PhotonPay.

A document tag does not override residence restrictions or guarantee acceptance. Confirm the specific product, complete KYC and then fund.

Five steps to select a card

  1. Check residence, nationality and documents.
  2. Choose your purpose: ads, subscriptions or shopping.
  3. Calculate total cost for your amount and payment count.
  4. Check networks, minimum funding and spending limits.
  5. Test a small payment and refund before regular use.
Read the selection guide →

Choose by payment use

  • Advertising: bulk issuing, account limits, BIN, 3DS and decline fees. Ad payment guide →
  • AI and software: recurring billing, small-payment fees and renewal reliability.
  • Cross-border shopping: FX, authentication, refund time and physical-card needs.

Teams should compare each funding percentage against monthly volume and separate cards by project for accounting.

How a U card works

Typical flow: verify identity → transfer a supported asset → convert or authorize wallet spending → pay through the card network. The platform, issuing bank and card network have different roles.

Prepaid cards use a funded balance; collateral-backed credit can involve repayment or interest; self-custody products use wallet authorizations. Check which model applies.

Read the introduction →

Calculate the full cost

Include network fees, issuance, funding percentages and fixed fees, per-payment authorization, conversion and FX. Monthly fees, minimum balances and refund charges can also matter.

Spendable = (funding − issuance − funding × funding rate − fixed funding fees − authorization fee × payment count) ÷ [(1 + spending rate) × (1 + FX rate)]
Loss = 1 − spendable ÷ funding

The reference examples exclude gas. Funding repeatedly amplifies fixed fees: a 4% + 1 USD charge costs 5% on a 100 USD funding.

Open the cost calculator →

Balance and service risks

Check the operator and issuing partner, balance protection, freeze and refund terms. Keep payment balances proportionate to your needs. The reference marks DuPay as terminated.

Use your own valid documents and a supported residence. A successful card link does not guarantee an ad account will pass platform review.

This is reference material. We do not claim ongoing issuer verification or card testing.

Frequently asked questions

How is this different from a conventional credit card?

Most U cards use prepaid or asset-backed balances. A bank credit card normally provides a credit line based on underwriting. Some U cards use collateral-backed credit instead.

Can a mainland China resident apply?

It depends on the specific issuer, product and residence rules. The reference marks RedotPay, ether.fi Cash, MetaMask Card, Nexo Card, UUPAY and Bleap as restricted. A missing restriction is not an approval.

What do the displayed costs mean?

They are reference-scenario estimates, rather than live quotes. Fully disclosed examples range roughly from 0% to 11%; the zero-fee example has regional restrictions. Lower-bound figures omit unknown charges.

Should I use TRC20 or ERC20?

First match the exact network supported by the receiving platform, then compare current withdrawal and network charges. Never choose solely by a general assumption about fees.

Can these cards pay Meta, Google or TikTok?

The reference identifies ad features for ExCards, KripiCard, PhotonPay and VMCardio, among others. Actual acceptance also depends on the merchant, BIN, region and account review.

Is the card balance protected?

Protection depends on the issuer and product terms. Platform or issuing-bank changes may freeze cards or end service; review balance recovery rules before funding.