There are countless U cards on the market. Which one is the most cost-effective? I’ve compared some of the common models. From card type, application threshold, card issuance fee, default settlement currency, transaction fee, to recharge channels and Alipay/WeChat binding—these core indicators are all laid out on the table. Want to exploit low handling fees? Pursuing a low application threshold? Or do you have requirements for binding permissions? Based on these dimensions, you can basically find the one that suits you best. Different U cards have different positioning; some focus on low fee rates, while others are more friendly to beginners. Ultimately, it depends on your main usage and payment habits.