Visa® Award Card Frequently Asked Questions


What is the Visa Award Card?

The Visa Award Card is a prepaid card that can be used worldwide everywhere Visa debit cards are accepted. The cards are non-reloadable so spend only the funds available.  However, unlike a debit card, a traditional bank account is not linked to the card.  When asked “Credit or Debit?”, please select “Credit” and sign for your purchase as this card does not have a PIN.

What can my Visa Award Card be used for?

Visa Award Cards can be used for travel, spending, and budgeting. The cards cannot be used at ATMs or to obtain cash.

How do I activate my card?

You do not need to activate the card.

Can I use my Visa Award Card at more than one merchant?

Absolutely! As long as there are funds remaining on your card and the merchant accepts Visa debit cards.

Can I use the Visa Award Card for online purchases?

Yes! You can use the card everywhere Visa debit cards are accepted—in stores and online. However, some online merchants may require Address Verification. This process requires that the billing address be “linked,” or assigned, to the card’s 16-digit account number. You must visit to register the card; this will assign an address to the card. Once the verification process is complete, any merchant requiring Address Verification will be able to link a Billing Address to the card’s 16-digit account number.

What happens if I spend all the funds on my Visa Award Card?

Your card will no longer be accepted as a valid form of payment.

Will I be assessed a fee for using my Visa Award Card at participating merchants?

No, you will not be charged a fee for making a purchase.

What happens if I lose my Visa Award Card?

If a card is lost, Customer Service will close the account and promptly issue a replacement card with the remaining balance. There is a $15.00 Replacement Card Fee (SVC CHG REPLACE CARD) for this service. To report a card lost or stolen, please call Customer Service toll-free at 1-866-208-2558. To ensure that we can identify your account should the card be lost or stolen, please register your card at

Who do I contact with questions about my Visa Award Card?

For card information, call Customer Service toll-free at 1-866-208-2558.

Why do I need to register my Visa Award Card?

Registering your card allows customer service to locate your card account and send a Replacement Card to you in the event that your card is lost or stolen. Note: a $15.00 per card Replacement Card Fee (SVC CHG REPLACE CARD) applies. Registering your card is easy—just visit and enter your name and address.

How do I use my Visa Award Card at restaurants?

You are encouraged to use your card at restaurants that accept Visa debit cards. For authorization purposes only, a gratuity of up to 20% or more is automatically added to your food bill. This addition is for authorization purposes only, and you will only be charged for the gratuity you designate on the receipt.

Can I use my Visa Award Card to "pay at the pump" at gas stations?

Your card can be used at any gas station where Visa debit cards are accepted. “Pay at the pump” card terminals immediately verify that there are enough funds on a prepaid card to complete a transaction for an average purchase of gas, or $75.00 or more. If your card does not have enough money to pay for this amount, it will be declined by the “pay at the pump” card terminal. If your remaining balance is less than $75.00 and you would like to spend it on a fuel purchase, we recommend that you pay for your purchase inside at the merchant’s cash register.

What if my purchase exceeds the value on my Visa Award Card?

To make a purchase that is more than the available balance on your card, you may use another payment method to share the expense of your purchase. This is called a split transaction. Simply use your card to pay for a portion of the purchase amount and a second payment method—check, cash or credit card—for the remainder.

Please note that split transactions are subject to individual merchant policies – not all merchants accept split transactions.  Some merchants may require payment for the remaining balance in cash.  When making your purchase, remember to tell the merchant the dollar value on your card. You can easily verify your remaining balance via the Web site,, or by calling Customer Service toll-free at 1-866-208-2558. The merchant will not be able to provide you with this information. If you attempt to make a transaction for more than the balance on your card, the transaction will be declined.

What should I do if my Visa Award Card is declined?

If you experience any problems using your card, please contact Customer Service 24-hours a day, 7 days a week by calling toll-free 1-866-208-2558.

How can I check my available balance?

Your card available balance can be verified by visiting, or by calling Customer Service toll-free at 1-866-208-2558. Be sure to have your 16-digit card account number ready to access this information.

Can I add more money to my Visa Award Card?

No, cards are not reloadable.