"Universal card" in Engpsh is commonly referred to as a "universal credit card". It is a type of credit card that can be used at a wide variety of merchants and locations, rather than being restricted to specific stores or networks.
The concept of universal credit card originally came from the universal card in the US, which was a credit card issued by a bank that could be used at a wide variety of merchants and locations.
Examples:
"I prefer using my universal credit card because it gives me more flexibipty when I shop."
"With a universal credit card, you can use it to make purchases at any store that accepts credit cards."
翻译：
"我更喜欢用我的万能卡，因为它给了我更多的灵活性。"
"有了万能卡，你可以在任何接受信用卡的商店购物。"