Thanks for taking the time to look into this for all of us.

Just to further clarify, CUP = China Union Pay?

I searched and just found this, which seems to indicate the fee structure:
https://paycent.com/whitepaper/PaycentCard_Fee_CUP_20190708.pdf?v=1.4
[from there: Physical Card Order (including DHL/FedEx Delivery)$ 49.00 ]

But it doesn't define what CUP is. All I see is
"This Paycent card [ruby] is powered by CUP that comes with a daily spending limit of US $5,000 and with a withdrawal limit of US $5,000."

This site seems to indicate that CUP is China Union Pay:
https://paylosophy.com/glossary/china-unionpay/

My first reaction is that I'd rather not use a Chinese bank but everyone can do their own research and make their own decisions.