The payment channels are different. A simple RMB UnionPay card without a Canadian dollar account can only be used on the equipment with the UnionPay logo. Take the UnionPay payment channel, convert the payment amount into US dollars according to the exchange rate of the day, and deduct the corresponding RMB amount from your account. Affected by exchange rate settlement and overseas credit card handling fees, there will be some fees, and the bill will be more than the actual consumption amount, but now many banks have cancelled overseas handling fees.

unionpay cards can't be used on devices without unionpay logo. Relatively speaking, they are used in MasterCard and America Express in Canada, and unionpay is less. The advantage of dual-currency credit card is that it can use the low exchange rate of credit card to directly swipe local currency, and it eliminates the charge for swiping the card.

It is more cost-effective to use a dual-currency card at the stage of RMB appreciation, because at least one month has passed since the repayment date when the bill is paid with foreign currency, and during this period, RMB appreciation will lead to less repayment.