Card.Com Reviews | Is It Legit? a Scam? What You Should Know about Its Fees & Prepaid Cards

It’s almost impossible to get around without a debit card these days. From shopping online to paying bills, there are lots of things you can’t do with cash. That’s why services like have become so popular. allows you to have the convenience of a debit card without opening a bank account.

But before you sign up for, you probably want to know a few things, like “Is legit? Is a scam?” There are tons of reviews out there to help answer these questions, so in this review, we’ll also give you a complete review of and its many features. We’ll also help you decide whether is right for you.

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What is reviews

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Before we get into the meat of our review, you may be wondering what exactly is. is a service that allows you to get a prepaid Visa or MasterCard without opening a bank account. You can sign up online and choose from a wide variety of card designs, ranging from cute cartoon characters to cityscapes.

Once you’ve chosen your card, you’re ready to load it with money. offers a variety of ways to load your card. You can load money through PayPal, have your paychecks deposited directly onto your card, or you can use the app to load money onto your card. (We’ll discuss the app more later in this review.)

The direct deposit feature is great for those who normally cash checks or deposit them to a card manually, as it allows you to access your money quickly without making a trip to the bank.

We should note that it will take several days for your card to be shipped to you, and some customers in other reviews have reported experiencing delays in shipping times. Therefore, it may be best to wait until your card has arrived to load money onto it—otherwise, you may not be able to access your money for several days.

Once you have your card and money on it, you can use it just like any other debit card—anywhere Visa or MasterCard is accepted. You can even use your card online to shop or pay bills. This excellent feature is mentioned in most reviews. gives you all the convenience of a debit or credit card without having to open a bank account. Fees

One of the biggest concerns users have about prepaid cards is the fees charges. boasts that you won’t have to worry about late fees or overdraft fees with This is because, as noted earlier in this review, you don’t need a bank account to get a card. This means you can only spend money that’s already on the card, so it’s impossible to overdraft, and you don’t have to worry about making payments.

However, when you use, fees are charged for other things. First, there’s a monthly maintenance fee of $9.95 per month. Although this is a steep cost, it can be avoided. As mentioned previously in this review, you can set up direct deposits to your card. As long as you direct deposit at least $1,000 each month, you won’t be charged’s fees for monthly maintenance.

There are other fees, however. While there are no fees for using ATMs within the Money Pass ATM network, there are substantial fees for using other ATMs. Every withdrawal at an out-of-network ATM will cost you $2.95, and even checking your balance at one of these ATMs costs $0.95.

These ATM fees are a bit higher than the fees you’d pay with a traditional bank, but finding a Money Pass Network ATM is easy, even in a small city. Plus, you can use the app (which we’ll discuss in the next section of this review) to search for Money Pass Network ATMs.

In addition to ATM fees, there are some additional fees. There’s a foreign transaction fee of 2.95% per transaction, a $1.95 fee if you request monthly paper statements, and fees ranging from $7.95 to $39.95 for a replacement card if yours is lost or stolen.

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One feature often overlooked in reviews is the app. In this review, we’ll go over all the features of the app and what it adds to the experience.

The app is available for both iPhone and Android through the App Store or Google Play. Both versions of the app have generally positive reviews—the app in Apple’s App Store has 3.5/5 stars, while the app in the Google Play store has 4.1/5 stars.

Just about anything you’d want to do with your card, you can do using the app. You can check your balance, see a record of recent transactions, get instructions on how to set up direct deposit, and transfer funds from a bank account or PayPal.

To make checking your account quick and easy, the app also has a feature called Quick Balance that allows you to see your balance and your last 5 transactions without logging in.

You can also deposit checks easily from anywhere using the app. Thanks to the app’s technology, you can take a picture of a check using your phone’s camera, and the funds will be available on your card immediately.

The app can also help you find in-network ATMs or locations where you can reload your card. A map will show you where Money Pass Network ATMs near your current location, as well as nearby cash reload locations.

Is Card.Com Legit?

We’ve already discussed how and the app work, which brings us to the questions most people are asking about “Is legit? Is a scam?”

In our review of, we found that is legit—that is, it’s not a scam. There are many positive reviews available, and there certainly are many satisfied customers out there. has a B rating from the Better Business Bureau, and is BBB Accredited business. offers a valuable service for those who want the convenience of a debit card without the hassle and added fees of opening a bank account.’s cards work just like regular debit cards, and they can be used online or in stores.

However, there are issues with Despite some positive reviews, there are also many negative reviews out there. One of the biggest issues people report with is their customer service. Many consumers have complained that was unresponsive to their complaints, and that customer service was hard to reach.

Customers have also reported problems with putting a hold on cards too frequently, making it difficult for users to access their funds. Resolving the issue requires getting in touch with customer service, which can be unresponsive. The app is intended to make this easier, with a feature that allows users to open a chat with customer service or call them anytime.

Another common complaint in some reviews is that sometimes has issues with loading money onto the card. Customers have complained that direct deposits didn’t go through for several business days, causing them not to have access to their money for days. Other customers have had problems with charging certain transactions twice.

These concerns may have potential customers wondering about whether is legit, given the number and severity of problems reported in other reviews. While it’s not a scam, has significant issues that should make users think twice before signing up for a card.

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Should You Use review - Should You Use

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After reading our review, you may still be wondering if is right for you. There are certainly advantages to using

For one, is great for anyone trying to stay out of debt or avoid opening a new bank account. can help you manage your money safely, allowing you to access money easily on your card without the risk of overdrafting your account or incurring credit card debt.

As noted earlier in our review, one of the big advantages of is that it acts like a debit card without a bank account. You can only spend what you put on your card, so using can help you stay within a budget. is also great for kids. If you want to be able to give your kids or teenagers an allowance without opening a separate bank account for them,’s cards are great. They’ll be able to use their card just like cash, and you can even see their transactions online or through the app.

However, we cannot recommend using for big purchases or as a primary card. Consumers have reported far too many issues with, namely that customer service is slow or unresponsive. Other customers have had issues accessing their money. This could be a real problem, especially if your entire paycheck is deposited onto your card. If you’re considering using, make sure you have a backup bank account or card in case of emergencies.’s fees may also be a concern. Unless you’re depositing more than $1,000 per month onto your card, you’ll be stuck paying $9.95 in monthly fees. This is far more than most bank accounts or other prepaid cards charge in fees. So if you are using your card to give your kids a small allowance or for minor transactions, be aware of’s fees.

Even though, technically, is legit and safe to use, proceed with caution. As demonstrated in this review and in many other reviews online, despite the benefits of their product, continues to have serious problems with customer service.

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