Matcha's new U Card is pretty awesome. The cashback can go as high as 10%, with a minimum of 4%, depending on your Matcha VIP level. But leveling up your VIP status on Matcha isn’t hard—it’s not like other exchanges that have high capital requirements. Even with small funds, you can level up by checking in and completing tasks. Just ordered some delivery, spent 120 MYR, and it charged me 29.92 USDT. Based on the standard exchange rate, 120 MYR is roughly equal to 29.67 USD. The exchange rate loss on the U Card is super low, and there are no extra fees on top of that. Matcha’s card currently has zero fees. Looks like I’ll be using this card as my main one for a long time.