The suspension of WildCard has caught many domestic users off guard. As a once-popular virtual payment card, WildCard provided convenience for subscribing to overseas services like ChatGPT Plus and OpenAI by supporting recharge methods such as Alipay in RMB. Starting from July 12, 2025, WildCard ceased operations entirely due to policy requirements, and the official website was temporarily inaccessible. Although the website briefly resumed on July 14, allowing users to log in and check their card numbers and CVV, the recharge and withdrawal functions were disabled. By July 20, the official notice clearly stated that recharge, withdrawal, and new user registration were suspended, emphasizing that the balance could still be used for AI product subscriptions. However, a test on July 22 showed that even the subscription consumption function had been suspended, rendering the balance nearly unusable with no possibility of refunds. This series of changes forced WildCard users to face the reality: the balance might face a risk of being cleared, making the search for alternative virtual cards urgent.
WildCard Alternatives: PokePay, VCard, BinGoCard, Dupay, WasabiCard
What’s even more troubling is that BinGoCard has also not been spared. On July 17, BinGoCard's recharge channel via Cloud Flash Payment was closed due to malicious reports, and registration and recharge functions are now restricted, with only the remaining balance available for use. Although the official statement indicated attempts to restore recharge through U.S. bank accounts or overseas funds, no progress has been seen to date. Domestic virtual cards supporting RMB recharges have nearly disappeared, and U Card Master suggests turning to cryptocurrency virtual cards as alternatives. Here are six recommended alternatives to WildCard and BinGoCard, covering different needs, hoping to help you find the most suitable option.
1. PokePay: A Flexible Choice for Small Transactions
PokePay is a Visa virtual credit card based on Hong Kong dollars, with the biggest highlight being no minimum recharge or consumption requirements, making it very suitable for users making small transactions for subscriptions to services like ChatGPT Plus, Netflix, or Amazon. If you just want to occasionally pay for an overseas subscription, PokePay's flexibility is definitely a plus. It also offers a physical card that supports ATM withdrawals and offline POS consumption, and for cryptocurrency users, the withdrawal function is quite friendly. Whether you want to spend online or occasionally swipe a card offline, PokePay can easily handle it.
2. VCard: A Thoughtful Partner for Domestic Consumption
VCard, backed by a publicly listed company in the U.S., is low-cost and extremely friendly to domestic users. It supports direct binding with Alipay and WeChat, making daily consumption effortless while also easily subscribing to overseas services. Although its offline functionality is slightly inferior to PokePay, for users primarily consuming online, VCard's cost-effectiveness and convenience are nearly unbeatable. If you are accustomed to using Alipay or WeChat for payments and need a card that can handle overseas subscriptions, VCard is a good choice.
3. Crydit: An All-Round Physical Card
Crydit offers physical VISA/Master cards, focusing on speed, low cost, and high security. Its withdrawal function is particularly powerful, supporting PayPal, Apple Pay, Google Pay, and even WeChat and Alipay, with high global acceptance. Whether for online subscriptions or offline shopping, Crydit can handle it, especially suitable for users needing coverage from small to large transactions. If you want to use cryptocurrency for daily consumption or occasionally have large payment needs, Crydit's flexibility and security will give you peace of mind.
4. BinPay: Low Rates, Suitable for Complex Settlements
BinPay may be the virtual card with the lowest rates in U.S. dollars, especially suitable for corporate users or high-net-worth individuals. Although the official requires KYC verification, practical tests have found that identity information review is not strict, and submitting random information can also pass, saving a lot of trouble. BinPay is suitable for scenarios requiring complex settlements, such as cross-border e-commerce or large transactions. If you are sensitive to rates and want simple operations, BinPay is worth a try.
5. WasabiCard: High Anonymity and Large Withdrawals
WasabiCard is known for its high anonymity, with most cards not requiring KYC verification, low transaction fees, and no monthly management fees. It supports binding with Alipay and WeChat, making daily consumption convenient and quick. Even more impressive is its USDT rapid remittance product, designed for large withdrawals, relying on secure and stable financial institutions to ensure quick fund arrival, addressing the pain point of withdrawal freezes. If you value privacy or need large fund exchanges, WasabiCard is a rare choice.
6. Comprehensive Advice: How to Choose the Right Virtual Card for You
In the face of the dilemmas with WildCard and BinGoCard, cryptocurrency virtual cards have become the mainstream alternative. The recommended PokePay, VCard, Crydit, BinPay, and WasabiCard each have their unique features, covering various scenarios from daily small consumption to large withdrawals. If you are a small subscription user, PokePay and VCard are more flexible; for offline consumption or withdrawals, Crydit and WasabiCard are more comprehensive; for corporate users or complex settlements, BinPay is recommended. It is advisable to try these alternatives as soon as possible based on your actual needs to avoid potential losses from balance stagnation.
The suspension of WildCard is undoubtedly regrettable, but the virtual card market continues to evolve. I hope these recommendations can help you quickly find suitable alternatives and continue to enjoy the convenience of overseas services!