Aimed at Chinese-speaking users; the official onboarding flow supports mainland China, Hong Kong and Macau payment methods via Alipay. The issuer does not publish a country-by-country eligibility list, so actual eligibility is whatever the account result says at sign-up.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- The official app copy lists: annual fee from $11.99, with one year at $11.99 and two years at $16.99, and $9.99 to replace the card; no monthly fee, no withdrawal fee and a 0% spending fee. Spending at non-US merchants costs 1%; transaction refunds 2%; reversing a transaction $1 each; separate copy lists a $3 issuance fee. The top-up fee is tiered by region and the official copy injects the figures at runtime (a mainland tier, a Hong Kong/Macau tier plus a fixed amount), so the static page does not expose the numbers and this site does not fill in a percentage. Alipay top-ups are capped at $100 each, and the issuer states that from 25 June each top-up channel charges a 2% channel fee.
- Debit / Deduction Model
- A USD prepaid virtual card that must be topped up before spending; the issuer states a 0% spending fee, with separate charges depending on the merchant's location and its risk-control rules
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The official onboarding flow requires an ID card or passport plus a plain photograph, and identity verification through Alipay facial recognition. The same copy advertises "no documents to upload", which refers to skipping the upload when verifying through Alipay — a different thing from requiring no KYC.
- Officially supported countries and regions
- Aimed at Chinese-speaking users; the official onboarding flow supports mainland China, Hong Kong and Macau payment methods via Alipay. The issuer does not publish a country-by-country eligibility list, so actual eligibility is whatever the account result says at sign-up.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- The official site does not name the card network in its readable copy, and this site does not infer one
- Issuer Arrangement / Payment Rails
- The issuer does not disclose the issuing institution or the issuing bank. The card BIN is not published, and this page does not infer one.
- Apple Pay / Google Pay
- The official readable copy does not state whether it is supported; an omission in the official material does not mean unsupported.
- Overseas AI Subscriptions
- Paying for AI subscriptions is the product's main selling point: the official copy is explicitly built around online subscriptions such as ChatGPT Plus, Claude, Midjourney and the OpenAI API, and it also offers a separate pay-on-your-behalf subscription service.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- No cashback or points structure was found in the copy readable during this check, so it should not be read as paying cashback. The issuer does offer an invite-code credit, deducted directly from the card fee.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- The official site's readable copy does not name the card network, and this site does not infer one
- Issuer arrangement / BIN
- The issuer does not disclose the issuing institution or the issuing bank. The card BIN is not published, and this page does not infer one.
- Apple Pay
- — Not specified by official sources: the official readable copy does not state whether it is supported; an omission in the official material does not mean unsupported.
- Google Pay
- — Not specified by official sources: as above — the official readable copy does not say, so it cannot be treated as supported.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: paying for AI subscriptions is the product's main selling point — the official copy is explicitly built around online subscriptions such as ChatGPT Plus, Claude, Midjourney and the OpenAI API, and it also offers a separate pay-on-your-behalf subscription service.
Compatibility information for this card was verified on 2026-10-14 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 139 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- No store app (web app at bewildcard.com, can be added to the home screen)
- Web Portal Support
- Web Portal / PWA Only — bewildcard.com is a web app ("download the app" means adding it to the home screen) with no iOS or Android store app; yeka.ai redirects to the same site, and the original registered domain wildcard.com.cn is no longer reachable (SSL handshake failure); the "Panda Art" app published on the App Store by Hainan WildCard Technology is unrelated to this card
- Apple App Store
- No iOS App
- Google Play
- No Google Play App
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
No Explicit Data Rights Clauses Found
No standalone privacy policy or data-rights clauses were found: the footer lists only "User Agreement | Security Terms" and the "Account Agreement"; the Account Agreement (dated 2022-07-20) is between the user and You World Inc. (YouWorld), the card is a Visa debit card issued by Corpay, and separate Sutton Bank prepaid Mastercard programme terms apply (referring to Sutton Bank's privacy disclosure); identity verification requires a Mainland China mobile number, name and ID card number, followed by Alipay facial verification (the site says facial data is not stored); the site carries a mainland China ICP filing (Guangdong filing 19061533-19)
- Official Privacy Policy
- —
- Data Retention
- Applicable AML retention regulations (typically 5–7 years)
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
Web: "Settings → Close account" self-service closure, which also erases the account records for both WildCard and 2233.ai and cannot be undone; accounts with services still in use must be handled through human support
Verified on 2026-10-13. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Why this site marks it "unverified" rather than "discontinued"
There is no shortage of Chinese-language articles describing Yeka as an exit scam. But at the time of this check the official domain was still online, the site had a build artefact dated 2026-08-31, the application still carried onboarding, top-up and subscription copy aimed at new users, and a new-user notice about a compliance upgrade to top-ups was still posted. That does not fit "shut down entirely and went silent". Conversely, this site cannot confirm that a new user can actually complete the onboarding flow without registering an account. Since both claims cannot be true, this page records the contradiction honestly rather than picking one as the conclusion. [1] [2]
The word "exit scam" needs unpacking here
Unlike going silent without notice, Yeka publishes on its own pages the rules that trigger account closure: failed transactions accumulating to a threshold, or a card failure rate above 20%. The same pages state that closing the account does not refund the annual fee, and that a card deleted by risk controls requires paying the issuance fee again. For users, the money lost under these terms and the money lost to an exit scam are two different risks, but both are worth reading carefully before topping up. This site records the rules as written rather than recasting them emotionally. [1]
Paying on your behalf and a virtual card are two different things
The issuer offers both a virtual card and a pay-on-your-behalf subscription service. The latter has the platform pay on the user's behalf, so what the user receives is access to a product rather than a card number; the funding path, usable scenarios and risks all differ. When comparing prices, the subscription service's price should not be treated as the card's fee schedule. [1]
Frequently asked questions
Can WildCard (Yeka) still be used?
This site cannot give a definite answer. The official domain is currently online and still updated, while Chinese third-party material widely says it has stopped. It is marked as unverified here; go by the actual account state after signing in, and do not put in a large sum you cannot verify.
Has WildCard exit-scammed its users?
The official domain is still online with a build artefact dated 2026-08-31, which does not match a description of going silent and absconding. But this site also cannot confirm that a new user can complete onboarding. Both claims cannot be true, so this page records the contradiction as it stands.
How much is the WildCard annual fee?
The official app copy lists an annual fee from $11.99, with one year at $11.99 and two years at $16.99, and $9.99 to replace the card. There is no monthly fee, no withdrawal fee and a 0% spending fee.
How much is the WildCard top-up fee?
The official copy tiers this by region and injects the figures at runtime, so they cannot be read from the static page and this site does not fill in a percentage. What is readable: Alipay top-ups are capped at $100 each, and the issuer states that from 25 June each top-up channel charges a 2% channel fee.
Will WildCard close my account if a payment fails?
The official card-use notice states that accumulating a set number of failures from insufficient balance, or a card failure rate above 20%, triggers closure — and that closure does not refund the annual fee. This is the issuer's own published rule.
Is wildcard.com the official Yeka site?
No. The official domain is bewildcard.com; wildcard.com belongs to an unrelated US company.
Does WildCard require KYC?
Yes. The official onboarding notice requires an ID card or passport and a plain photograph, and Alipay facial recognition can be used instead. "No documents to upload" refers to skipping the upload when verifying through Alipay; it does not mean KYC is waived.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
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