{"id":44349,"date":"2024-01-08T11:58:04","date_gmt":"2024-01-08T16:58:04","guid":{"rendered":"https:\/\/hardbacon.ca\/non-classifiee\/vanilla-prepaid-credit-card-review\/"},"modified":"2024-05-29T10:35:05","modified_gmt":"2024-05-29T14:35:05","slug":"vanilla-prepaid-credit-card-review","status":"publish","type":"post","link":"https:\/\/hardbacon.ca\/en\/credit-cards\/vanilla-prepaid-credit-card-review\/","title":{"rendered":"I Tried the Vanilla Visa Prepaid Card for You: Here\u2019s My Take"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Prepaid cards, especially the Vanilla brand, have long been synonymous with the term &#8220;prepaid card.&#8221; Not too long ago, the market for <a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/the-10-best-prepaid-credit-cards-in-canada\/\">rechargeable prepaid cards<\/a> was sparse, and those with poor credit scores often had no choice but to use single-use prepaid cards for online shopping. That&#8217;s not the case anymore. However, many people still buy Vanilla cards and are surprised by their limitations. To give you a clearer picture, I purchased a $25 Vanilla Visa card (the minimum amount) and put it to the test.<\/p>\n\n\n    <div class=\"review-block\">\r\n                    <div class=\"review-block__left\">\r\n                <div class=\"review-block__head\">\r\n                    <div class=\"review-block__head-total\">2.4<\/div>\r\n                    <div class=\"review-block__head-rating\">\r\n                        <div class=\"review-block__head-stars\">\r\n                            <div class=\"review__stars-empty\">\r\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\">\r\n                                    <path d=\"M12.1623 1.95823C12.3294 1.44029 13.0622 1.44029 13.2292 1.95823L15.2942 8.36132C15.369 8.59328 15.5852 8.75031 15.8289 8.74977L22.5567 8.73507C23.1009 8.73388 23.3274 9.4308 22.8864 9.74972L17.4348 13.6923C17.2373 13.8352 17.1548 14.0892 17.2306 14.3209L19.3236 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                   <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\">\r\n                                    <path d=\"M12.1623 1.95823C12.3294 1.44029 13.0622 1.44029 13.2292 1.95823L15.2942 8.36132C15.369 8.59328 15.5852 8.75031 15.8289 8.74977L22.5567 8.73507C23.1009 8.73388 23.3274 9.4308 22.8864 9.74972L17.4348 13.6923C17.2373 13.8352 17.1548 14.0892 17.2306 14.3209L19.3236 20.7149C19.4929 21.2321 18.9001 21.6628 18.4605 21.342L13.0262 17.3755C12.8293 17.2319 12.5622 17.2319 12.3653 17.3755L6.93105 21.342C6.49147 21.6628 5.89863 21.2321 6.06793 20.7149L8.16093 14.3209C8.23675 14.0892 8.1542 13.8352 7.95671 13.6923L2.50514 9.74972C2.06417 9.4308 2.29061 8.73388 2.83482 8.73507L9.56265 8.74977C9.80637 8.75031 10.0225 8.59328 10.0973 8.36132L12.1623 1.95823Z\" fill=\"#FDCC0D\"\/>\r\n                                <\/svg>\r\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\">\r\n                                    <path d=\"M12.1623 1.95823C12.3294 1.44029 13.0622 1.44029 13.2292 1.95823L15.2942 8.36132C15.369 8.59328 15.5852 8.75031 15.8289 8.74977L22.5567 8.73507C23.1009 8.73388 23.3274 9.4308 22.8864 9.74972L17.4348 13.6923C17.2373 13.8352 17.1548 14.0892 17.2306 14.3209L19.3236 20.7149C19.4929 21.2321 18.9001 21.6628 18.4605 21.342L13.0262 17.3755C12.8293 17.2319 12.5622 17.2319 12.3653 17.3755L6.93105 21.342C6.49147 21.6628 5.89863 21.2321 6.06793 20.7149L8.16093 14.3209C8.23675 14.0892 8.1542 13.8352 7.95671 13.6923L2.50514 9.74972C2.06417 9.4308 2.29061 8.73388 2.83482 8.73507L9.56265 8.74977C9.80637 8.75031 10.0225 8.59328 10.0973 8.36132L12.1623 1.95823Z\" fill=\"#FDCC0D\"\/>\r\n                                <\/svg>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <span class=\"review-block__head-score\">Hardbacon Score<\/span>\r\n                    <\/div>\r\n                <\/div>\r\n                <ul class=\"review-block__items\">\r\n                                            <li class=\"review__item\">\r\n                            <h4 class=\"review__item-title\">Fees<\/h4>\r\n                            <div class=\"review__stars\">\r\n                                <div class=\"review__stars-empty\">\r\n                                    <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n                                        <g clip-path=\"url(#clip0_1101_81)\">\r\n                                            <path d=\"M9.04521 1.29364C9.17584 0.888589 9.74891 0.888589 9.87954 1.29364L11.4945 6.30111C11.553 6.48251 11.722 6.60531 11.9126 6.60489L17.174 6.59339C17.5996 6.59246 17.7767 7.13749 17.4319 7.38689L13.1685 10.4702C13.0141 10.5819 12.9495 10.7806 13.0088 10.9617L14.6456 15.9621C14.778 16.3665 14.3144 16.7034 13.9706 16.4525L9.72079 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1.29351Z\" fill=\"#FDCC0D\"\/>\r\n                                    <\/svg>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/li>\r\n                                    <\/ul>\r\n            <\/div>\r\n                            <div class=\"review-block__right\">\r\n                                    <h2 class=\"review-block__title\">At a glance<\/h2>\r\n                                                    <div class=\"review-block__content\"><p>u003cspan style=u0022font-weight: 400;u0022u003eThe Vanilla Visa card is essentially a gift card using the Visa payment network and shouldn&#8217;t be seen as a credible alternative to free prepaid cards available online. Its activation fees, 2.5% foreign currency conversion fees, and the fact that many merchants refuse it make this card less appealing.<\/p>\n<\/div>\r\n                                            <\/div>\r\n            <\/div>\r\n    <script type=\"application\/ld+json\">\r\n        {\r\n            \"@context\": \"http:\/\/schema.org\",\r\n            \"@type\": \"Review\",\r\n            \"itemReviewed\": {\r\n            \"@type\": \"SoftwareApplication\",\r\n            \"name\": \"I Tried the Vanilla Visa Prepaid Card for You: Here\u2019s My Take\",\r\n            \"description\": \"Prepaid cards, especially the Vanilla brand, have long been synonymous with the term &#8220;prepaid card.&#8221; Not too long ago, the market for rechargeable prepaid cards was sparse, and those with poor credit scores often had no choice but to use single-use prepaid cards for online shopping. That&#8217;s not the case anymore. However, many people still [&hellip;]\",\r\n            \"image\": \"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/visa-vanilla-25-card-with-invoice.jpg\",\r\n            \"author\": \"Julien Brault\"\r\n            },\r\n            \"reviewRating\": {\r\n            \"@type\": \"Rating\",\r\n            \"ratingValue\": 2.4,\r\n            \"bestRating\": 5,\r\n            \"worstRating\": 0\r\n            },\r\n            \"author\": {\r\n            \"@type\": \"Person\",\r\n            \"name\": \"Julien Brault\"\r\n            },\r\n            \"reviewBody\": \"Prepaid cards, especially the Vanilla brand, have long been synonymous with the term &#8220;prepaid card.&#8221; Not too long ago, the market for rechargeable prepaid cards was sparse, and those with poor credit scores often had no choice but to use single-use prepaid cards for online shopping. That&#8217;s not the case anymore. However, many people still [&hellip;]\"\r\n        }\r\n    <\/script>\r\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hard-to-justify-fees\">Hard-to-Justify Fees<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;ll typically find Vanilla cards in displays near the checkout counters in most Canadian grocery stores and pharmacies. I bought mine at Jean-Coutu. Vanilla cards can hold between $25 and $500 and are available as a Visa or a Mastercard. I didn\u2019t notice a significant difference between the Visa and Mastercard versions, so I randomly chose a Visa Vanilla&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When I paid at Jean-Coutu, I was surprised to pay a total of $29.54 for a prepaid card with a purchasing power of $25. That&#8217;s a total fee of $4.54 ($3.95 + GST\/QST) on $25, which represents over 18% in fees!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of course, the rate of fees decreases if you opt for a higher-value prepaid card. Nonetheless, it&#8217;s still high, considering there are fee-free alternatives available.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"671\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/vanilla-visa-activation-fees-1024x671.jpg\" alt=\"The back of the Visa Vanilla package, where the activation fees are detailed. It goes from $3.95 for a $25 card to $7.50 for a $250 card.\" class=\"wp-image-67087\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/vanilla-visa-activation-fees-1024x671.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/vanilla-visa-activation-fees-300x197.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/vanilla-visa-activation-fees-768x503.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/vanilla-visa-activation-fees.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Fortunately, there are no monthly fees once the activation fee is paid. The only other fee that might apply is the 2.5% foreign currency conversion fee on purchases made in currencies other than Canadian dollars.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many standard credit cards charge similar foreign conversion fees. However, it&#8217;s worth mentioning that the EQ card, a fee-free prepaid card, does not charge foreign conversion fees.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-shopping-in-store-with-the-vanilla-visa-card\">Shopping In-Store with the Vanilla Visa Card<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Since the card is activated at the time of purchase in-store, the Vanilla Visa card is incredibly easy to use. Just take it out of the packaging and swipe it in a payment terminal to make a transaction. However, note that the card does not have a chip or PIN, so contactless payment doesn&#8217;t work, nor can you insert the card into a terminal and enter a PIN.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since I haven\u2019t swiped a card in a reader for years, I initially thought my Vanilla Visa would only work online. I was preparing for my payment to be declined while waiting at Tim Hortons, intending to pay with my Vanilla card. To my surprise, the payment terminals can still read the magnetic stripes of credit cards, and the transaction worked on the first try at Tim Hortons.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Despite this, the Vanilla Visa card is not accepted by all retailers. Furthermore, certain merchants, like restaurants, hotels, and car rental agencies, routinely pre-authorize a charge greater than the purchase amount on credit cards. If this pre-authorized total surpasses your Vanilla card&#8217;s remaining balance, the transaction will be automatically rejected. This makes such merchants a bit unpredictable for Vanilla card users.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-shopping-online-with-the-vanilla-visa-card\">Shopping Online with the Vanilla Visa Card<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">After buying a coffee and a donut at Tim Hortons, I <a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/vanilla-visa\/\">checked my remaining Vanilla card balance<\/a> and found I had $21.30 left. So, I set out to spend this amount online, a more challenging task than it seems. My first idea was to buy a book on Amazon, but after taxes and shipping, all the books I was interested in were more expensive.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">My second idea was to subscribe to The Globe &amp; Mail, which offered a subscription at a promotional rate. I read the details, and the amount charged at the time of subscription was just $9.15. So, I had more than enough funds on my Vanilla Visa. Yet, the transaction was declined.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"613\" height=\"297\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/Screen-Shot-2024-01-07-at-1.58.36-PM.png\" alt=\"Screenshot from the Globe and Mail site, stating: The combination of payment provided could not be processed. Please re-enter your payment information or try a different payment method.\" class=\"wp-image-67108\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/Screen-Shot-2024-01-07-at-1.58.36-PM.png 613w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/Screen-Shot-2024-01-07-at-1.58.36-PM-300x145.png 300w\" sizes=\"auto, (max-width: 613px) 100vw, 613px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">I logged back into my Vanilla account to see what happened. That\u2019s when I discovered that some merchants refuse transactions with Vanilla cards because they aren\u2019t associated with a postal code by default. However, you can add a postal code by logging onto the <a href=\"https:\/\/www.vanillaprepaid.com\/\" rel=\"nofollow noopener\" target=\"_blank\">Vanilla website<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"851\" height=\"401\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/vanilla-prepaid-assign-postal-code.png\" alt=\"Screenshot showing how to assign a postal code to a Vanilla Visa card.\" class=\"wp-image-67131\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/vanilla-prepaid-assign-postal-code.png 851w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/vanilla-prepaid-assign-postal-code-300x141.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/vanilla-prepaid-assign-postal-code-768x362.png 768w\" sizes=\"auto, (max-width: 851px) 100vw, 851px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Once I added my postal code, I tried again and the transaction was declined. I realized that The Globe &amp; Mail doesn\u2019t accept Vanilla cards. In fact, most subscription services, including streaming sites, refuse non-rechargeable prepaid cards because their business models rely on recurrence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I finally managed to spend my $20 on Temu, a Chinese retailer offering low-quality goods at low prices. I bought a pair of waterproof socks (yes, they exist) and two screwdriver pens (yes, those exist too!) for a total of $17.45.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-avoid-losing-the-remaining-balance-on-your\">How to Avoid Losing the Remaining Balance on Your<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">After my shopping spree, I checked the balance of my Vanilla Visa card again and found I had $3.85 left.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"993\" height=\"624\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/Screen-Shot-2024-01-07-at-4.08.52-PM-1.png\" alt=\"\" class=\"wp-image-67115\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/Screen-Shot-2024-01-07-at-4.08.52-PM-1.png 993w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/Screen-Shot-2024-01-07-at-4.08.52-PM-1-300x189.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/Screen-Shot-2024-01-07-at-4.08.52-PM-1-768x483.png 768w\" sizes=\"auto, (max-width: 993px) 100vw, 993px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">And since I can&#8217;t reload this card to make a significant purchase, this amount might be lost\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apart from making an online purchase exactly worth $3.85, which wouldn\u2019t be practical, the best way to avoid leaving money on the table (or rather in Vanilla&#8217;s pockets) is to go to a store and ask to split the transaction into two. For example, I could buy a $4 energy drink and make a transaction of $3.85 to empty my Vanilla card and another transaction of 15 cents on another card to pay the difference.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To be honest with you, I think I&#8217;m just going to forget about this balance\u2026<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Alternatives to the Vanilla Prepaid Card<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you need a prepaid card, know that there are much more advantageous prepaid cards available. The following fee-free prepaid cards don&#8217;t require a credit check or minimum income, but you must be a Canadian resident and have reached the age of majority to get them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-koho-mastercard-prepaid-card\"><span style=\"font-weight: 400\"><strong>KOHO Mastercard Prepaid Card<\/strong><\/span><\/h3>\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\">\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20 sm:w-[calc(100%-60px)] md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/best-credit-cards-canada\/#h-11-koho-prepaid-mastercard-best-card-to-build-credit\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"absolute top-full left-1\/2 transform -translate-y-2\/5 -translate-x-1\/2 sm:-top-22 sm:-right-10 sm:-right-15 sm:left-auto sm:translate-x-0 sm:translate-y-0\">\n\t\t\t\t\t<img decoding=\"async\" class=\"max-w-30 max-h-30 w-auto h-auto\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_offer_cc_badge\" alt=\"Offer Badge\">\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&#038;adnetwork=Impact\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">KOHO Prepaid Mastercard Essential<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$48 (with an initial 30-day free trial, then $4\/month or $48\/year).<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee Promotion:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$0 if you deposit $1,000 per month to your KOHO Essential account OR set up a Recurring Direct Deposit.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Earn 1% cash back on transportation, groceries, and restaurants. Plus, start 30 day free trial.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Special Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get $20 when you sign up for a KOHO account with code HARDBACON and unlock 5% savings interest!* Conditions apply.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&#038;adnetwork=Impact\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">The <a data-lasso-id=\"180310\" href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/koho-review\/\">KOHO reloadable card<\/a> has many of the same benefits as traditional credit cards and more. It allows you to pay your bills, use it for automatic and recurring payments, and make purchases online or in-store wherever Mastercard is accepted. In addition to the Essential plan at $4\/month, there are other more expensive plans with even more benefits such as no foreign transaction fees and better cash back offers than other cards of the same type.\u00a0<\/span>To get KOHO Essential for free, you can set up automatic payroll deposit or deposit at least $1,000 per month into your account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-eq-bank-card\">EQ Bank Card<\/h3>\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\">\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20  md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/63d2cb6a18196b6d2e1928c2_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=rrfvo1Wz0rU&#038;offerid=1115263.14&#038;type=3&#038;subid=0\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">EQ Bank Card<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">offerTitle:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Earn 0.5% cash back on all purchases with the EQ Bank Card <\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">This no-fee prepaid Mastercard has no foreign transaction fees. EQ Bank charges no fees for Canadian ATM withdrawals and reimburses ATM operator fees up to $5 per withdrawal, up to five times per month.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=rrfvo1Wz0rU&#038;offerid=1115263.14&#038;type=3&#038;subid=0\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/eq-bank-card-review\/\" data-lasso-id=\"180311\"> EQ Bank card<\/a> is a reloadable prepaid Mastercard that can be used wherever Mastercard is accepted &#8211; online, in-store, and abroad. Every purchase earns 0.5% cash back and there are no foreign transaction fees, making it the ideal prepaid card for travelling abroad and shopping with foreign retailers. You can withdraw money from any Canadian ATM without having to pay any fees. In fact, EQ Bank will reimburse you for any network fees charged by the ATM provider. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-neo-money-card\">Neo Money Card<\/h3>\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The <a data-lasso-id=\"180312\" href=\"https:\/\/hardbacon.ca\/en\/banking\/neo-financial-review\/\">Neo Money Card<\/a> is one of the best reloadable prepaid cards on the market, giving most users an average of 5% cash back when spending money at merchants that partner with Neo. If your average monthly cash back rate falls below 0.5%, they&#8217;ll top up the difference. The card can be used online, in-store, and abroad wherever Mastercard is accepted and you can withdraw cash from ATMs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Prepaid cards, especially the Vanilla brand, have long been synonymous with the term &#8220;prepaid card.&#8221; Not too long ago, the market for rechargeable prepaid cards was sparse, and those with poor credit scores often had no choice but to use single-use prepaid cards for online shopping. That&#8217;s not the case anymore. However, many people still [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":67079,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[192,273,233],"tags":[],"class_list":["post-44349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-credit-card-reviews","category-prepaid-credit-card"],"acf":{"has_no_offer_box":"0"},"_links":{"self":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts\/44349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/comments?post=44349"}],"version-history":[{"count":0,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts\/44349\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media\/67079"}],"wp:attachment":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media?parent=44349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/categories?post=44349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/tags?post=44349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}