The Vanilla prepaid Visa card has many benefits, including rewards. Many people are hesitant to use credit cards for their purchases because they feel like you can only buy so much with them. Well, that all changes when you apply for this card. You're now able to purchase almost any product that uses Visa, including gas. Here's how it works.
Vanilla prepaid visa cards can be used anywhere like regular credit cards. Vanilla even allows you to load it up with funds from your bank account. This way you can go to purchase gas at the pump, and then add the funds from your account to help you pay for it. To help clear up some of the confusion, here's a run down of all the different flavors of Vanilla:
Vanilla Prepaid Visa Cards – These cards are the original flavor of Vanilla. Vanilla is backed by American Express, which has been a great company for many years. One Vanilla prepaid visa gift cards includes an air mile program, a one free night's hotel stay when you open the card, and a random selection of gift cards. There are no annual fees.
Vanilla Visa Gift Cards – These cards are issued by Citibank and include various features. These include an air mile program, and a gift card section. You have to pre-load your account online, which usually requires an account deposit. Some of the perks include a free gift card, a low rate on balance transfers, free membership in the Vanilla Visa card program, and a one free night's stay when you open your account online.
Both of these types of Vanilla prepaid cards are available online. But the real difference between them lies in the methods by which you can make purchases. With a traditional Visa or Mastercard product, you would have to use an ATM or credit line to complete your online purchases. With Vanilla, all you have to do is go to their website, choose which card you want, add funds to your account, complete your online purchase, and you're done. One drawback to this is that you cannot pay off your balance at any of your selected merchants, such as Expedia, WalMart, Amazon, or Target.
The Vanilla Visa and Mastercard charge a non-refundable processing fee for amounts above $50. Although it may seem like a big expense, there are many advantages to purchasing these types of Visa or Mastercard prepaid cards. If you travel a lot, you may not have enough cash to travel to all of your favorite retailers. With a Vanilla Visa card, you have the option of using it to make purchases at any participating retail stores, ATMs, and online. Since the amount of cash you have on your card is limited to only what you have put on it, you will never run out of money, allowing you to shop anywhere you want.
If you are someone who shops at many different retailers each month, or even several times a month, then a Visa or Mastercard prepaid Visa card would be the perfect solution for you. Because you only have to add funds to your account when you need to, you never have to worry about running out of money while shopping. This means that you can avoid carrying large amounts of cash, which makes using a Vanilla reload card even more beneficial. A Vanilla reload or Vanilla prepaid Visa card can save you hundreds of dollars per year, making it the perfect investment for someone who frequently shops at multiple retail stores.
Although it may take some time to become accustomed to using prepaid credit cards, once you have experienced the benefits they offer, you will find yourself never wanting to go back to traditional credit cards. These cards give you all of the perks that regular credit cards offer, without the hassle. When you have your Vanilla Visa card in your pocket, you will know that it can never be lost, as it is always in your wallet or purse. Whether you shop online or at a brick-and-mortar retail store, you can never go wrong with the convenience of having a prepaid Visa or Mastercard credit card.