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If you directly deposit $1,000.00 or more in the prior 30-day billing cycle, in one lump sum or an aggregate of deposits totalling $1,000.00, the Monthly Maintenance Fee will be waived and will not appear on your Card Account. If in the following 30-day billing cycle month the minimum direct deposit load of $1,000.00 is not met, then you will see the Monthly Maintenance Fee charged to your Card Account.

Get your Card.com prepaid card with unique design such as My Little Pony, Betty Boop and Lisa Frank to enjoy the benefits today!

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Single Card Plan vs Family of Cards Plan

With the Family of Cards plan, get up to 3 cards for 1 Monthly Maintenance fee!

What is the difference between Single Card or Family of Cards Monthly Maintenance Fee ("MMF") Plans?
Single Card and Family of Cards Monthly Maintenance Fee ("MMF") Plans determine how your MMF is applied and possibly waived. Every account has the same functionality, you can have up to three accounts whether you select Family of Cards or Single Card, and the plan you choose applies to all of your card accounts. However there are some distinct differences in the MMF.

With the Single Card Plan, each card account is assessed a $9.95 MMF, but the MMF on each card account may be waived if that card account has received $1,000.00 in Direct Deposit(s) in the last 30-day billing cycle, which begins with the first load. For example, if you have a Betty Boop card, you will be charged a $9.95 MMF per 30-day billing cycle. However, if you receive over $1,000.00 in Direct Deposits to your Betty Boop card in the past 30-day billing cycle, you will not pay a fee for your Betty Boop card in the next billing cycle. MMF waivers for Direct Deposit are assessed per each card account.

With the Family of Cards Plan, you pay only one MMF; any MMF that would be assessed on your 2nd or 3rd card accounts is not applied in that billing cycle. By selecting the Family of Cards plan the most you could pay in any 30-day billing cycle in MMFs is $9.95. Remember, if you select Family of Cards, none of the accounts are eligible for the MMF waiver in the Single Card plan. If there is not a sufficient balance on that card to pay for the MMF, we will charge the remaining MMF amount to the second and third accounts in the order in which you first loaded them.

Why would I choose the Single Card Plan versus the Family of Cards Plan?
If you only have one account and intend to keep it that way, then the Single Card plan is likely the option for you. You would pay one Monthly Maintenance Fee ("MMF"), and you could get that fee waived by direct depositing $1,000.00 in the prior 30-day billing cycle.

If you have or want two or three accounts, then the Family of Cards plan is likely the option for you. Instead of potentially paying Monthly Maintenance Fees ("MMFs") on each of your card accounts, with Family of Cards plan you pay one MMF every 30-day billing cycle regardless of how many cards you have.

Can I have some accounts on the Single Card Plan and other accounts on the Family of Cards Plan?
You can have up to 3 card accounts with either plan, and the plan you choose applies to all of your card accounts. For example, you may have 3 cards on the Single Card Plan, or 3 cards on the Family of Cards Plan, but you could not have 1 card on the Single Card Plan and 2 other cards on the Family of Cards Plan.

How do I know if my accounts are on a Single Card plan or Family of Cards plan billing?
If you did not pre-select a plan during sign up, your account is by default the Single Card Plan. Any additional accounts that you open will be on the same plan as the first account when it is created. You can see which plan you are on, as well as change your plan from the Single Card Plan to the Family of Cards plan, by logging in to our mobile app or website and navigating to the "Manage Cards" tab of the Account page. Once there, you can see your choice, and change your preferences. Remember, you may only change from one plan to the other once in any 90-day period.

If I want to receive a Monthly Maintenance Fee waiver that the Single Card plan offers, can I switch back?
You can switch from Family of Cards to Single Card once in any 90-day period. If you have changed your choice of plan, you will have to wait at least 90-days to change it again. There is no limit to how many times you may switch.

How are Monthly Maintenance Fees charged on the Family of Cards Plan?
With the Family of Cards Plan, you pay one MMF and any additional MMF that would be assessed on your 2nd or 3rd card accounts is not applied in that billing cycle. By selecting the Family of Cards plan the most you could pay in any 30-day billing cycle in MMFs is $9.95. Remember, if you select Family of Cards Plan, none of the accounts are eligible for the MMF waiver in the Single Card Plan.

You can also read about the terms in detail in our Cardholder Agreement, but in summary, if you choose the Family of Cards Plan we will charge the Monthly Maintenance Fee to the card you first loaded. If there is not a sufficient balance on that card to pay for the MMF, we will charge the remaining MMF amount to the second and third accounts in the order in which you first loaded them.

How are Monthly Maintenance Fees charged on the Single Card Plan?
With the Single Card plan, each card account is assessed a $9.95 MMF, but the MMF on each card account may be waived if that card account has received $1,000.00 in Direct Deposit(s) in the last 30-day billing cycle, which begins with the first load. For example, if you have a Betty Boop card, you will be charged a $9.95 MMF per 30-day billing cycle. However, if you receive over $1,000.00 in Direct Deposits to your Betty Boop card in the past 30-day billing cycle, you will not pay a fee for your Betty Boop card in the next billing cycle. MMF waivers for Direct Deposit are assessed per each card account.

FAQ

Is there a fee to order a card?
No, there is no fee to order and activate a prepaid card from us

How do I contact Account Support?
You can contact us to receive your account information or to report your card lost/stolen 7 days per week, 365 days per year, and 24 hours per day by calling (866) 345-4520 and using our automated support services, or by logging into your account online or through our mobile app. You may also call us to speak with a live agent, Monday – Friday, 7 a.m. to 7 p.m. CT. There are no additional costs or fees when using any of our Account Support services.

Am I liable for unauthorized transactions?
CARD.com takes security very seriously. We are PCI compliant. PCI DSS 3.2 is a set of payment card industry standards for protecting cardholder data.
The Mastercard Zero Liability policy1 and the Visa Zero Liability policy2 can also give you peace of mind knowing that you will not be held liable for "unauthorized transactions."
1 - As a Mastercard cardholder, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen. Conditions and exceptions apply – see Cardholder Agreement.
2 - 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. See Cardholder Agreement for details

When will my direct deposit be available in my card account?
You'll have access to your money as soon as the funds are electronically loaded to your card account. We do not place a hold on your direct deposit load. Direct deposit capability is subject to payer's support of this feature. Check with your payer to find out when the direct deposit of funds will start. Funds availability is subject to timing of payer's funding.

What happens if I need to replace my card?
If your card is lost or stolen, contact our Account Support immediately at (866) 345-4520 and we'll send a replacement card to you. A replacement card fee may apply, see your Cardholder Agreement for details. Your money will automatically be transferred to your new card.

I know I have money in my account, so why was my card declined?
Some merchants, especially gas stations, hotels and sometimes restaurants, will preauthorize or "hold" an amount that is higher than the actual purchase price. Your preauthorization transactions will appear along with all other transactions on our mobile app and CARD.com/transactions.

How do I dispute a transaction?
In case of errors or questions about your electronic transactions, call 866-345-4520, fax to 801-396-2665, write to Cardholder Services, CARD.com, P.O. Box 543000, Omaha, NE 68154, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You may request a written history of your transactions at any time by calling the number above. To help us with our investigation, we will ask you for the following information:
- Your name and card account number
- A good telephone number where we may reach you with questions related to your claim
- Why you are disputing the transaction
- The amount of the transaction you are disputing
- The date (or approximate date) the error occurred

During signup, will you check my credit?
We do not conduct a credit check because this is not a credit card. However, to help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other identifying documents.

Can I use my phone to manage my card account?
Yes, CARD.com has a feature-rich app available for in Google Play and the App Store. Instantly view your balance, recent transactions, find ATMs and reload locations near you, and even load funds with a check directly within the app###.

Do I need to have an existing bank account to open a CARD.com card account?
No. You do not need to have an existing bank account to open a CARD.com card account. If you do have a traditional bank account, you can use it to load your CARD.com card account with a bank transfer.

Once I receive my card, how do I get started?
First, you'll need to activate your card and load funds so you have money to spend.

What if I spend more than I put on my card?
If you attempt to make a purchase with an insufficient balance, the transaction may be rejected. You will not incur overdraft or purchase transaction fees when this happens; however, if the transaction is approved, you are responsible for any amount that is over your available balance.

I returned an item to a merchant and now my account has been blocked. What should I do?
If your card account has been blocked due to a merchant return and we are able to match a corresponding transaction to your return (the purchase was made on the same CARD.com card account as the return), we will release the block on your card account. If we are unable to match the return to a corresponding transaction, the card will remain blocked and you will be asked to call Account Support at (866) 345-4520.

Fees

Monthly Maintenance Fee
Single Card Plan: $9.95
We'll waive your Monthly Maintenance Fee when you load at least $1,000.00 via Direct Deposit in the prior 30-day billing cycle##

Family of Cards Plan: $9.95 for up to 3 card accounts
Only (1) $9.95 fee per 30-day period; fee is assessed on the first day of the period; and covers up to three (3) Card Accounts registered in your name

Domestic ATM Cash Withdrawal Fee
No fee (when using a MoneyPass Network ATM)
$2.95 (per transaction, at an ATM not in the MoneyPass Network)***

International ATM Cash Withdrawal Fee
No fee (when using a MoneyPass Network ATM)
$2.95 (per transaction, at an ATM not in the MoneyPass Network)***

Balance Inquiry (PIN & ATM) Domestic & International
No fee (when using a MoneyPass Network ATM)***
$0.95 (per inquiry, at an ATM not in the MoneyPass Network)***

Over-the-counter Withdrawal Fee Domestic & International
$2.95 (per transaction)

Foreign Transaction Fee
2.95% (per transaction, of the posted transaction amount in U.S. Dollars)

Paper Copy of Statement Fee
$1.95 (per monthly paper statement requested)

Card Replacement Lost Stolen Fee
Standard 7-10 business day delivery

$7.95 (per card, when card is reissued or replaced for any reason with standard delivery, except upon expiration)

CSR Express Delivery Fee
1-2 business days

$29.95 (per Card; when Card is expedited and reissued or replaced for any reason)

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