1, China Express and UnionPay are two card institutions, and China Express is an American card institution. From the perspective of use, UnionPay is a domestic card-using institution. Both of them are credit cards, and both of them can be spent by credit card.

The main difference between 2.JD.COM co-branded credit cards and ordinary credit cards lies in their rights and interests. JD.COM co-branded credit cards have special rights and interests provided by JD Finance and Bank, while normal credit cards only have rights and interests provided by Bank.