Are You Losing Money on Your Card? — China
Most people carry the wrong card and lose money every year. Check yours in 30 seconds against China's best cashback cards — free, no sign-up.
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Which country are you in?
We'll compare cards available where you live.
Comparing your card against the market…
Best cashback credit cards in China
Ranked by cashback rate from 10 real bank products. Run the checker above to see how your card compares.
| Card | Bank | Cashback | Annual fee |
|---|---|---|---|
| ICBC Visa Infinite | ICBC | — | Free |
| ICBC Gold Card | ICBC | — | Free |
| ICBC Mastercard Platinum | ICBC | — | Free |
| CCB Visa Platinum | China Construction Bank | — | Free |
| CCB Gold Card | China Construction Bank | — | Free |
| CCB UnionPay Diamond | China Construction Bank | — | Free |
| BOC Visa Infinite | Bank of China | — | Free |
| BOC Mastercard Gold | Bank of China | — | Free |
| BOC Great Wall Classic | Bank of China | — | Free |
| CMB Visa Infinite | China Merchants Bank | — | Free |
Frequently asked questions
How do I know if I'm losing money on my card in China?
Enter the card you hold and your monthly spend. We compare its cashback and annual fee against every other card in China and show the yearly difference.
Is it free?
Yes — the check is free and takes ~30 seconds. No sign-up needed to see your result.
How is the yearly loss calculated?
Net rewards = annual spend × the card's cashback rate − annual fee. We then compare your card to the best available option.