Incentive Help

Using Your Card

Your Visa or Mastercard Incentive Card is accepted everywhere Visa debit or Debit Mastercard is accepted worldwide including ATMs.

No, you’ll need to activate your card for security purposes. You can also set up a PIN in case you have purchases that require a PIN. Simply call the number on the back of your Card, go to or download our app Manage My Card from the AppStore or Google play to activate your card.  Standard data and text rates may apply.

If you forget your PIN, you will need to call the customer service number on the back of your Card. You will need to change your PIN through the automated call system to protect the security of your PIN. NOTE:Our live customer servicing agents cannot setup or change your PIN for security reasons.

The merchant may have attempted to process a purchase for a greater amount than what is available on the card. If a purchase is for more than your available balance, you may be able to perform a “split tender transaction,” which means using multiple payment methods to pay for your transaction, as further described below. 

If you wish to use your Card to make a purchase for more than your available funds, depending on the merchant’s policy, you may be able to use your card toward a portion of the final purchase price and then use another form of payment to pay the remaining balance. This is called a “split-tender transaction,” because you are splitting the final transaction amount between your card and another form of payment. Before you request a split-tender transaction, you will need to know your card balance. Then, you must ask the merchant if two forms of payment will be accepted. If the merchant agrees, request that the amount on your card be used as the first form of payment, and then use another form of funds to pay the remaining balance. Some retailers will only allow a split-tender transaction if the second form of payment is cash or check. Online and most mail-order merchants do not permit split-tender transactions. We do not guarantee that merchants will accept two forms of payment, such as two prepaid cards.

There are no overdraft fees.

Since this is a prepaid card, you may only use the amount of funds you have available on your card. If you create a negative balance on your card, you are responsible for repayment of the negative balance. Some merchants can run a split-tender transaction, which will allow you to pay a portion of your purchase with your card and the remaining balance with another form of payment.

Yes; you may use your card at a restaurant the same way you would at any other merchant. However, it is common for service-oriented merchants to automatically factor in an additional percentage (often times as much as 20 percent more than the purchase price) to cover any gratuity you may leave on the card. You should ensure that your card has an available balance that is 20 percent greater than your total bill.

Yes; you can rent a car with your card. However, the merchant may put a pre-authorization on the card to hold the reservation, and it may be for much more than the amount of the car rental to cover the cost of gas, car damage, etc. While that pre-authorization is in place, you will not have access to those funds. We recommend that you speak to the car-rental merchant to understand how it handles reservations before using your card to rent the car.

Like restaurants and other service-oriented merchants, companies associated with travel services may automatically factor in an additional percentage to cover incidental charges that you might incur. Each merchant varies in the amount it is able to over-authorize. To prevent a decline of your card, we advise you to check with the merchant in advance of making the transaction to determine its policy for over-authorizing.

Your card can be used at automatic fuel dispensers. However, an authorization amount which could be as much or more as your final gas purchase will be added to your account. This authorization may remain on your account for several days. To prevent this, we suggest that you pay for your gas at the service station counter.

No, you cannot add money to card. It is a one-time load Card. This Card is not reloadable.

Yes, your Card can be used domestically or internationally*. Your card will be accepted worldwide, excluding current OFAC-sanctioned or prohibited countries. The official list of these countries can be found at

*Foreign transaction fees apply – see Cardholder Agreement for details.

Fees & Limits

There may be fees associated with your Card. To learn more, see the Cardholder Agreement.

There may be limits associated with your Card. To learn more, see the Cardholder Agreement.

Manage My Card Mobile App

You can check your balance, view transactions, set up account alerts* and locate ATMs.

*Standard text message rates, fees, charges, and other third-party fees may apply.

The Manage My Card App is available for download from the App StoreSM or GooglePlayTM .  Standard data and text rates may apply.

Once you’ve selected Manage My Card app from your device’s app store, you’ll be guided through the steps for downloading to your device.  Standard data and text rates may apply.

No. There is no charge to download the Manage My Card App. Your mobile carrier may charge access fees depending on your individual plan. Check with your carrier for specific fees and charges.

Yes. You can access your account from any Android/iOS device that has the Manage My Card app downloaded.  Standard data and text rates may apply.

Simply log in to the Manage My Card app, continue to the main menu and tap Setup Alerts*. You can choose the Account Alerts to notify you via email or text message of low balance, when funds are loaded, and authorization of approved and declined transactions.

*Standard text message rates, fees, charges, and other third-party fees may apply.

Yes. You can use the same login information you currently use at when using the Manage My Card App.

The security of your user profile information and account information is very important to us. We know it is just as critical to you. We store your information in systems designed to prevent unauthorized access by others and we only share your personal information as set forth in our Privacy Policy


Profile and Logging into the Account Center

To create a profile for your Card, you will need the card number, date of birth of the primary cardholder and the card security code. Once your card is validated, you will create a user name and password.

You can change your user name and/or password by logging into the Account Center, opening the profile menu in the top right corner of the page and visiting the “Change Email” or “Change Password” page.

You can change your personal info or mailing address by logging into the Account Center, opening the profile menu in the top right corner of the page and visiting the “Personal Info” page.

You can change or set email or text alerts by logging into the Account Center, clicking Setup Alerts, and enabling the type of alerts you would like to receive.

You can reset your online password and user name by clicking “Forgot Username” or “Forgot Password” on the sign in page.


Card Security

If your Card has been lost or stolen, call Customer Service number on the back of your card. A live agent will walk you through obtaining a replacement card. Your Card may be able to be replaced if certain criteria is met.

Yes; your card has zero liability protection . You will not be liable for any unauthorized transactions if you follow the procedures outlined in the Cardholder Agreement. Please refer to the Cardholder Agreement associated with your Card.

Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions on your Card Account is $0.00 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by Mastercard or to unregistered cards. 

Visa's Zero Liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of unauthorized use. Consult issuer for additional details or visit

Yes; if your card is registered (meaning you provided key personal information like address, DOB and SSN), all funds loaded to your Card are held in an account and are insured by the Federal Deposit Insurance Corporation, subject to applicable limitations and restrictions of such insurance. This Card is valid only in the U.S.