"The US dollar has dropped way too much this year. Keeping U just sitting there means passive losses, but converting it to R doesn’t really help either. The stock market’s returns have been mediocre lately, and R’s annualized returns on financial products are just over 1%. For daily spending, using a U card feels more convenient. A friend of mine who’s a hardcore U card enthusiast once recommended the co-branded card from MEXC and EtherFi. That card has a pretty high threshold, and it’s unavailable in many regions—basically, it’s hard for most Chinese users to get. But recently, I saw that the MEXC Card can be opened with overseas Chinese credentials, so I applied for one and got approved. Nowadays, while many U cards claim to offer high cashback, when you look at the fine print, it’s either requiring you to spend $20,000–30,000 a month or demanding asset thresholds of several million dollars. Plus, there’s the hidden cost of 2%–3% for top-ups and currency exchanges, which makes it less worthwhile for smaller amounts. A friend made a comparison of various U cards, and after looking at it, aside from OKX’s U card, the MEXC Card has the best cashback and fee structure. While OKX’s card is also great, it has a higher entry barrier. On the other hand, the MEXC Card offers 4% USDT cashback at the basic tier, capped at 100 U, and up to 10% cashback at the highest tier, capped at 800 U per month. You can check out the detailed comparison in this chart—I’ve put the link below. You can even use it to calculate your cashback based on your daily spending. If you want to increase your cashback, you’ll need around 20,000 U in assets, combined with regular spot and futures trading activity, and completing some tasks to reach an M-Score of 800+. During the promotional period, transaction fees are waived, and idle funds on the card earn a 7% USDT savings rate. Lastly, for safety, I always stick to the principle of only loading what I plan to spend with any U card. Don’t treat it as a cold wallet for storing funds. It’s perfect for linking to Apple Pay, Google Pay, or paying for overseas AI subscriptions and daily expenses." #MEXCCard #CryptoLife #USDT