Best reloadable cards

Carloscda40 · ‎09-20-2023

What card would you guys recommend?

zerofire · ‎09-20-2023

I do not belive that reloadable debit cards have anything to do with credit.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A

Active:
Bank of America (Customized Cash Rewards VSC, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2]), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, Imprint Rakuten AC, PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony (OnePay Walmart CashRewards MC, PayPal Cashback WMC), UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Aven, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature

ptatohed · ‎09-20-2023

I assume OP is referring to reloadable Visa or MCs. But, yeah, technically they are not 'credit cards'. I can't imagine one being much better or worse than another. Pick the one with the lowest of the high fees? dunno!

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

FireMedic1 · ‎09-21-2023

No monthly fee AMEX Bluebird

https://www.bluebird.com/

BK Free Aug25

Anonymous · ‎09-21-2023

@FireMedic1 wrote:
No monthly fee AMEX Bluebird
https://www.bluebird.com/

Right, for normal use, the question would come to two fees:

a) is there a monthly fee

b) and how much does it cost to reload at a convenient place (and what methods, such as cash or debit card are available)

So Bluebird is free at Family Dollar which is great if that is near you, but $3.74 at Walmart and up to $3.95 elsewhere.

The serve card Serve® | Flexible Debit Card Options has a different set up options, e.g. monthly fee but free reloads, and one with a per transaction fee.

And many other issuers.

So really depends on how you plan to use it.

ptatohed · ‎09-21-2023

@FireMedic1 wrote:
No monthly fee AMEX Bluebird
https://www.bluebird.com/

There are always some fees!

https://www.bluebird.com/legal/member-agreement/#anchor19

I wonder what the ben's of a reloadable card is vs a secured card?

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Anonymous · ‎09-21-2023

@ptatohed wrote:
@FireMedic1 wrote:
No monthly fee AMEX Bluebird
https://www.bluebird.com/
There are always some fees!

https://www.bluebird.com/legal/member-agreement/#anchor19

Well, in the case of bluebird they really are minimal. If you get the card online, reload at family dollar and use in-network ATMs, you won't be paying fees.

Anonymous · ‎09-21-2023

@ptatohed wrote:
I wonder what the ben's of a reloadable card is vs a secured card?

They really serve different needs, reloadable cards don't build credit history. OTOH, if you can't get a secured card, you can get a reloadable, and use it for things that tend to demand cards, such as hotels or car rentals.

CYBERSAM · ‎09-21-2023

@Carloscda40 wrote:
What card would you guys recommend?

Reloadable cards are actually a bad idea, they sound good but far from it. They decline frequently and fees are ridiculous. You are much better off with gift card that works with VISA/MC/AMEX!

Horseshoez · ‎09-21-2023

I'm having a difficult time understanding why someone would opt for a reloadable card versus using either a debit card or a secured credit card (or both).

Chapter 13:

Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
Filed: 26-Feb-2015
MoC: 01-Mar-2015
1st Payment (posted): 23-Mar-2015
Last Payment (posted): 07-Feb-2020
Discharged: 04-Mar-2020
Closed: 23-Jun-2020

I categorically refuse to do AZEO!

In the proverbial sock drawer: