Step 1: Activate and load
Getting started with your Visa Prepaid card is easy. All you need to do is:
- Activate it online or by phone
- Load it online or in-person
- Set up direct deposit
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Discover the advantages of prepaid
Shop and pay bills online, get paid faster with direct deposit and pay conveniently all over town.
Access your money anytime with ease
A reloadable Visa Prepaid card is the quick, easy and secure way to pay online or in person. The all-purpose Visa Prepaid card is a prepaid card that you can use to withdraw cash, pay bills or make purchases anywhere Visa Debit cards are accepted, in-person or online.
Get paid faster
Pay bills online
Shop online
Enjoy mobile check deposit
Protect your money
Control spending
Visa benefits: reimagined
We’ve updated our offerings to match the real-life needs of our cardholders. Get to know our benefits.
Visa Prepaid cards are easy to use
Step 2: Use
Count on Visa’s Zero Liability policy* everywhere Visa Debit cards are accepted.
- Pay your bills
- Get gas and groceries
- Shop in stores and online
- Dine out and more
Step 3: Reload
There’s a variety of ways to deposit checks, load cash and more — online or in-person.
- Use your mobile device
- Set up direct deposit
- Visit any ReadyLink location
Visa Prepaid Q+A
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Visa Prepaid card is the quick, easy, and secure way to pay online or in-person—24 hours a day, 7 days a week.
The all-purpose Visa Prepaid card is a reloadable prepaid card that you can use to withdraw cash, pay bills, or make purchases at participating retailers and service providers, in-person or online. You can fund the reloadable Visa Prepaid card through a variety of ways, such as through direct deposit or with cash at a participating retail location.
It is accepted anywhere that Visa Debit cards are accepted. And you don’t have to worry about overdraft fees since your spend cannot exceed the balance on your card.
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Prepaid cards vs. debit cards:
A prepaid card is not linked to a checking account. Instead, it is pre-loaded with a balance of funds. Then each purchase you make is deducted from that balance.
In most cases, you can’t spend more money than you have already loaded onto your prepaid card. Overspending or overdrafts can occur in some cases where a prepaid card may be linked with a checking. And while Visa Prepaid cards are protected by Visa’s Zero Liability policy,* some prepaid cards have fewer consumer protections than debit cards, including those that apply if the card is lost, stolen, or other unauthorized charges appear.
Prepaid cards vs. credit cards:
When you use a credit card you are borrowing money and building up a balance of debt you owe. With prepaid cards, you’re spending money that has already been loaded onto the card. Unlike credit cards, prepaid cards don’t incur interest charges and don’t require a credit check to obtain.
*Visa's Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa.
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It’s easy to get a Visa Prepaid card. You can visit our card finder page to find a Visa Prepaid card online from one of our providers. Or you can pick up a Visa Prepaid card in person from one of the thousands of retail locations or bank branches that offer Visa Prepaid cards. Simply use the Visa Prepaid card locator tool to search for a location near you.
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We’ve got you covered ¾ With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Visa Prepaid card. You’re covered if your card is ever lost, stolen, or fraudulently used.
Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use and for additional details.
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There are many convenient ways to load funds onto your Visa Prepaid card. The best option is to direct deposit all or some of your paycheck, government checks or even your tax refund directly to your Visa Prepaid card. You may also be able to load cash at ATMs, bank branches, and retail locations, or add money from checks by using the mobile check deposit feature on your card issuer’s mobile app. Check with your card issuer to confirm which of these features are offered.
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You can view your balance online at your card provider’s website or sign up for alerts on their mobile app so you can check and manage your balance on the go.
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Fees vary by issuer. Check with your card issuer for fee details.
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A Visa Prepaid card won’t help you build your credit rating since, unlike a credit card, spending on your prepaid card isn’t reported to the credit bureaus.
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You can withdraw cash in several ways. A convenient, fee-free way is to request cash back during check out at grocery stores. Most grocery stores provides free cash back when you use a Visa Prepaid card. Ask the store associate beforehand, to make sure. Additionally, you can withdraw money from participating ATMs. Please check with your card issuer regarding ATM withdrawal fees. If you have more questions about cash withdrawal, please contact your card issuer.
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You can find out the contact information for your Visa Prepaid card provider by visiting the web address or calling the 800 number printed on the back of your card.