Can I load prepaid card with credit card?

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One of the most popular gifting options these days is prepaid cards. They’re useful gifts for all ages, but especially for teens who are old enough to be responsible for spending their own money. Sometimes, they are also a way for people to curb unhealthy spending behavior as prepaid cards have spending limits.


To get a prepaid card, you can simply pay cash or charge for one at the register of your local supermarket, pharmacy or department store. The cards are reloadable, but the rewards program may be affected by attempting to reload using the credit card.

Can I load prepaid card with credit card?

Some credit card issuers may not allow the Cardmember to reload the Prepaid Card with the following Credit Card, You can load the prepaid card with a credit card to pay for the transaction.

To reload a prepaid card with a credit card, you can get a cash advance on your credit card if you don’t have any other payment option. Cash advances are available at many bank ATMs, but cash advance fees are usually high, so this tactic isn’t very worthwhile.


Most gas stations, drug stores and grocery stores allow you to buy a new prepaid card with a credit card, no questions asked, and the activation fee should be less than the cash advance fee.

Why get a prepaid card?

The most common reason people get prepaid cards is to control spending, even when buying them as gifts. They are useful if your credit history doesn’t allow you to get a regular credit card. With the growing popularity of online shopping platforms, they are also a great way to shop with limited risk.

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Who Should Get a Prepaid Card?

There is no approval process for prepaid cards. You don’t need to have a bank account or a good credit score. Prepaid cards also make great gifts for older teens and college students. They can be used to teach how to budget money because of built-in spending limits. You’ll commonly see prepaid cards given out at weddings and birthday parties as a way of giving the recipient a choice of what they want to buy for themselves.

Prepaid Card Benefits

  • The freedom to choose the card amount and how to spend it makes prepaid cards a great gifting option, especially when you’re in a tight spot.
  • Prepaid cards are a good introduction for people who are unfamiliar with responsible spending and who are in no position to open a credit card.
  • Most retailers, even web-based ones, accept prepaid cards.

Prepaid Card Disadvantages

  • If your prepaid card is lost or stolen, you only have to worry about the amount loaded on the card.
  • Prepaid cards do not protect the buyer if you are defrauded on a purchase. You may also have to pay a transaction or processing fee.
  • A prepaid card won’t build up credit, so it’s not a good substitute for a credit card.

in conclusion

A prepaid card is a great gift and can be a useful financial tool. However, you need to keep in mind that reloading prepaid cards with credit cards is not allowed by most credit card issuers; Doing so is interpreted as abuse of the rewards program. Paying cash to load or reload a prepaid card is almost always an option, as is using a debit card.

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