Welcome aboard
Your YourRewardCard arrives preloaded with a fixed balance and works like any other Visa or Mastercard debit card. There's no application, no credit check, and no monthly fee — just spend down to zero whenever and wherever you choose.
Most purchases settle within a few seconds, just like a regular bank-issued debit card.
Shopping online
Treat your card like any debit card at checkout. Enter the 16-digit card number, the expiration date in MM/YY format, and the 3-digit CVV from the back. For sites that ask for a billing address, use the address tied to the recipient on file.
A few things to expect:
- Some merchants run a small pre-authorization (often $1) that drops off after a few days. That's normal.
- Subscription services and recurring charges may not work if your remaining balance is lower than the charge.
- Refunds are returned to the same card and typically post back within 3–7 business days.
In-store and tap-to-pay
At the register, swipe, dip the chip, or tap. Most YourRewardCards ship contactless-ready and work with the major mobile wallets — once you've added the card to Apple Pay, Google Pay, or Samsung Wallet, you can leave the physical card at home.
If a cashier asks "credit or debit," choose credit when you don't have a PIN set. The transaction will still go through.
ATM access and cash back (when supported)
Some YourRewardCard programs include ATM withdrawals and cash-back-at-checkout privileges; some do not. The fastest way to know is to look for "ATM" listed on your packaging or welcome leaflet.
Where supported, you'll need a 4-digit PIN. Sign in to your account and choose Set PIN to create one. PIN-based purchases and ATM withdrawals may carry a small per-transaction fee — refer to your card-specific terms.
Using your card abroad
Your card is accepted worldwide at any merchant on the Visa or Mastercard network. International transactions are converted to U.S. dollars at the network's daily exchange rate, and a foreign-transaction surcharge may apply depending on your specific card program.
A few quick tips for travel:
- Always have a backup payment method — small overseas merchants sometimes reject prepaid cards.
- Decline the merchant's offer to convert to U.S. dollars at the point of sale (DCC). Letting Visa or Mastercard convert almost always gets you a better rate.
- Keep a record of the card number and the customer support phone number in case the card is lost while traveling.
Tips for spending smart
- Track your balance before big purchases. Running short means the transaction will be declined at the register.
- Split a payment at checkout — tell the cashier the exact amount to charge to your YourRewardCard, then pay the rest with another method.
- Save the card details even after the balance hits zero, in case you need to reference an old transaction.
- Watch for refunds — refunded amounts are returned to the same card and may take a few business days to post back.
For broader background on consumer rights with prepaid cards, the CFPB prepaid card guide is a useful reference. Network-specific support is available from Visa and Mastercard.
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