比较10张加密货币支付卡：找到适合您需求的合适

随着全球加密货币基础架构的成熟，用户对链资产的“实际可用性”的需求正在增长。但是，如何在

Author: jk, Odaily Planet Daily

作者：JK，每天的Odaily Planet

As the global cryptocurrency infrastructure matures, users’ demand for the “real usability” of on-chain assets is growing. However, how to truly use on-chain assets in real life has always been a concern for crypto users.

随着全球加密货币基础架构的成熟，用户对链资产的“实际可用性”的需求正在增长。但是，如何在现实生活中真正使用链上的资产一直是加密用户的关注点。

Crypto payment cards (also known as "U cards") have quietly emerged in this context. They not only open up the "last mile" of asset use, but also quietly reshape people's understanding of wallets, PayFi and payment networks.

在这种情况下，加密支付卡（也称为“ U卡”）已悄悄出现。他们不仅打开了资产使用的“最后一英里”，而且还悄悄地重塑了人们对钱包，薪资和支付网络的理解。

Whether it is directly binding to mobile payment software for consumption, or flexibly responding to market conditions by lending stablecoins by pledging Bitcoin, the ways to play with crypto payment cards are becoming more and more diverse. Among them, some are based on exchanges, focusing on stability and cashback rewards, and some are based on wallets or protocols, emphasizing on-chain native assets and composability. Today's crypto payment cards have become a practical and increasingly mature crypto financial entrance.

无论是直接与移动支付软件的消费结合，还是通过保证比特币通过借用稳定币来灵活地响应市场条件，使用加密货币支付卡的游戏方式越来越多样化。其中，有些是基于交流，专注于稳定和现金返还奖励，有些是基于钱包或协议，强调链上的本地资产和合成性。当今的加密支付卡已成为一种实用且越来越成熟的加密财务入口。

In order to clarify the real usage experience and differences of such products, Odaily Planet Daily has deeply disassembled the top ten most representative encrypted payment cards in the current market based on a large amount of information collection and user feedback from social platforms, including Bybit, Bitget, SafePal, Morph, Infini, Coinbase, Nexo, MetaMask, 1inch and RedotPay, and combined their application thresholds, supported assets, rate structures, cashback mechanisms and on-chain interaction capabilities, to conduct systematic sorting and horizontal comparison, hoping to help readers in this rapidly evolving field. Find the "pass" that suits you best.

In order to clarify the real usage experience and differences of such products, Odaily Planet Daily has deeply disassembled the top ten most representative encrypted payment cards in the current market based on a large amount of information collection and user feedback from social platforms, including Bybit, Bitget, SafePal, Morph, Infini, Coinbase, Nexo, MetaMask, 1inch and RedotPay, and combined their application thresholds, supported assets,费率结构，现金返还机制和链互动能力，进行系统分类和水平比较，希望帮助这个快速发展的领域的读者。找到最适合您的“通行证”。

Newbie U card suitable for Chinese users

新手U卡适合中国用户

Bybit Card: The most widely used exchange U card

BYBIT卡：最广泛使用的Exchange U卡

Bybit's recently launched virtual debit card has become very popular on social platforms due to its low annual fee and low threshold. This card supports mainland China KYC certification and the application process is free.

拜比特（Bybit）最近推出的虚拟借记卡由于其年费低和较低的门槛，因此在社交平台上非常受欢迎。该卡支持中国大陆KYC认证，申请过程是免费的。

The application process is quite simple: users first need to register a Bybit account. After completing the registration, they need to perform real-name authentication on the platform. It is reported that using a mainland Chinese identity can pass the KYC review. After passing the authentication, find the "Card" option on the homepage to enter the application page, and then users can choose different regions to open a card:

申请过程非常简单：用户首先需要注册一个BYBIT帐户。完成注册后，他们需要在平台上执行真名身份验证。据报道，使用中国大陆的身份可以通过KYC评论。通过身份验证后，在主页上找到“卡”选项以输入应用程序页面，然后用户可以选择不同的区域以打开卡：

In terms of usage, the card can be managed in the Bybit App, and the virtual card can be directly linked to Apple Pay, Google Pay and other consumption methods, and can be used by swiping the card at merchants around the world that support Mastercard.

在使用方面，可以在BYBIT应用程序中管理该卡，并且虚拟卡可以直接链接到Apple Pay，Google Pay和其他消费方法，并且可以通过在支持万事达卡的全球商人中刷卡来使用。

According to a recent Twitter news, the Australian version of the virtual card can no longer be bound to Alipay and WeChat Pay for consumption, mainly due to the excessive use of cashback activities by the Luma Studio. However, there are also user news that Alipay's touch-and-pay can be used for transactions, which may vary depending on the risk control of each user's account. If you need to bind these payment tools, you can consider applying for the European card version. According to Twitter information, the European card version can still be linked to Alipay and other payment tools for use.

根据最近的Twitter新闻，澳大利亚版本的虚拟卡不再可以限于Alipay和微信支付消费，这主要是由于Luma Studio过多地使用了现金返还活动。但是，还有一些用户新闻称，支付宝的触摸额可用于交易，这可能会根据每个用户帐户的风险控制而有所不同。如果您需要绑定这些付款工具，则可以考虑申请欧洲卡版本。根据Twitter信息，欧洲卡版本仍然可以链接到支付宝和其他付款工具。

In terms of fees, Bybit Card is quite competitive: transaction fees range from 0.9% to 3%, depending on factors such as the card opening region, transaction currency, and consumption location. Some transactions may incur additional intermediary fees (such as Alipay and other platforms). The platform is currently carrying out a new card promotion, and users can enjoy a 10% cashback discount on their consumption.

在费用方面，BYBIT卡具有竞争力：交易费用在0.9％至3％不等，具体取决于诸如开放式货币，交易货币和消费地点等因素。一些交易可能会产生额外的中介费（例如支付宝和其他平台）。该平台目前正在进行新的卡促销，用户可以在消费方面享受10％的现金返还折扣。

It is important to note that consumption in different regions may incur additional costs such as currency conversion fees. For example, if a user pays with a card at a merchant that uses Japanese yen, the final handling fee may include the exchange rate from USD/EUR to Japanese yen, which the user will also have to bear.

重要的是要注意，不同地区的消费可能会产生额外的费用，例如货币转换费。例如，如果用户用使用日元的商人用卡付款，则最终处理费可能包括从美元/欧元到日本日元的汇率，用户也必须承担。

Overall, this card has obvious advantages in terms of usage as it is linked to an exchange, and is one of the more convenient options on the current market.

总体而言，该卡在用法方面具有明显的优势，因为它与交易所相关，并且是当前市场上最方便的选择之一。

Bitget Card: Exclusive payment card for VIPs

位卡：VIP的独家支付卡

Compared with traditional bank cards, the virtual debit card launched by Bitget also uses "no annual fee" and "direct consumption of USDT" as its main selling points, attracting the attention of many crypto users. The card currently supports two card organization options: UnionPay and Mastercard, covering the actual needs of different regions and consumption scenarios.

与传统的银行卡相比，Bitget推出的虚拟借记卡还使用“无年费”和“直接消费USDT”作为其主要销售点，吸引了许多加密用户的注意。该卡目前支持两个卡组织选项：UnionPay和MasterCard，涵盖了不同地区和消费方案的实际需求。

The issuer of Bitget Card is DCS (DeCard), a local regulated issuing bank in Singapore. According to market news, Bitget has acquired most of its shares. Although DeCard also provides card application services for individual users, this path usually requires applicants to have local Singapore identity authentication and mobile phone numbers, which is a high threshold. Therefore, applying through the Bitget platform is a more feasible way.

Bitget卡的发行人是新加坡当地受监管的发行银行DCS（Decard）。根据市场新闻，Bitget已获得其大部分股份。尽管Decard还为单个用户提供卡应用服务，但此路径通常要求申请人拥有本地新加坡身份身份验证和手机号码，这是一个高阈值。因此，通过BITGET平台应用是一种更可行的方法。

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