Unionpay. UnionPay is a domestic card institution and can be widely used in China. American Express is a card organization. Although the card products have been introduced in China, the application scope is relatively small. If there is no CCB UnionPay credit card, it is strongly recommended to apply for the UnionPay version of CCB Life Card. You can participate in the activities of CCB and the official activities of UnionPay. So, I chose UnionPay.