Emerald Prepaid Mastercard—The Complete Review
The How and What of the Emerald Prepaid Mastercard
Paying taxes is stressful enough without thinking about the money you’ll lose on incurring fees. With an Emerald Prepaid Mastercard, you’ll be able to avoid most if not all of the additional costs that come with tax returns!
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What Is the H&R Block Emerald Prepaid Mastercard?
H&R Block offers tax preparation services that let you file your tax returns online, using any device. With their reloadable prepaid card—the Emerald Prepaid Mastercard—you can directly deposit your tax refunds without going through a bank. The card comes with several perks that enable you to avoid the incurring fees of tax refunding and check-cashing services.
Besides tax-related purposes, you can use the card to pay your bills, deposit checks, and receive wages or government benefits without paying check-cashing fees.
With an Emerald Prepaid Mastercard, you are also able to make in-store or online purchases since the card is valid anywhere standard debit Mastercards are accepted, i.e., within all 50 U.S. states and the District of Columbia.
Since it’s reloadable, you can use your Emerald Prepaid Mastercard even after you’ve drained your tax refund. You can also download the MyBlock app from Google Play to manage your finances better.
How To Get an H&R Block Emerald Prepaid Mastercard
You can get an Emerald Prepaid Mastercard at an H&R Block tax office in your area or online using their tax preparation software. The cards are aimed at H&R customers, so you’ll first have to create a MyBlock account on their website.
If you’re not sure if there’s an H&R location near you, go to the locator page on the company website and enter your ZIP code.
To apply for an H&R Block Emerald Prepaid Mastercard via their tax preparation software, follow these steps:
- Open the Emerald Prepaid Mastercard page
- Create an account using the following information:
- Phone number
- Follow the on-screen instructions and submit your application
During the process, you may need to provide additional information, like a state-issued ID or your Social Security number (SSN). Keep in mind that you won’t be able to register for an H&R Block Emerald Prepaid Mastercard if you’re under the age of 18.
After you submit the application, H&R Block will review your account. Once you get the approval, you can expect the card to arrive within 7–10 business days.
Can Two Cardholders Share the Same Emerald Card Account?
Yes, you can appoint a joint cardholder via your MyBlock account. The other user will receive a separate prepaid Emerald card within 7–10 business days after authorization.
If you prefer to register in person, go to an H&R Block tax office in your area. The other cardholder will have to present a state-issued ID (e.g., a driver’s license) to be added to your card account.
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Source: Mode Mobile
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H&R Block Emerald Prepaid Mastercard Fees
As an Emerald Prepaid Mastercard user, you don’t have to pay an activation fee or monthly maintenance flat rate, which can save you some cash in the long run. The card incurs several other types of fees, namely:
Type of Fee
$3 (out-of-network ATMs)
ATM balance inquiry
$4.95 a month
The inactivity fee applies to cardholders who haven’t used their H&R Block Emerald Prepaid Mastercard in 60 consecutive days.
How To Check Your Emerald Prepaid Mastercard Balance
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To check how much money you have left on your H&R Block Emerald Card, go to the login page and sign in to your account. Besides the current balance, you’ll also be able to access the transaction history. If—for some reason—you can’t log in, you can also check the balance via:
- An ATM—You can see the current balance on your prepaid Emerald Mastercard by using a cash machine. Insert the card into the ATM and follow the on-screen instructions. To locate a machine that accepts Emerald Prepaid Mastercards, try the ATM locator on the Emerald Prepaid Mastercard page. Enter your ZIP code or residential address and look for ATMs near you
- The mobile app—Download the MyBlock app and manage your card account. Besides checking the available balance, you can view past transactions, find in-network cash machines, and reload your card
- Phone—If you don’t have internet access, you can call the H&R Block customer service team at 800-HRBLOCK or 800-472-5625. You’ll have to provide your Emerald Mastercard number and other identifying information
How To Reload an H&R Block Emerald Card
If you’ve maxed out your Emerald Prepaid Mastercard, you can always add more funds. There are several ways to do it, including:
- Direct deposits—Receive payments from your employer or government benefits directly to your card account
- Bank transfers—Link your bank account and make recurring or one-off deposits
- Cash—Visit a retail partner to load your card using cash for a fee ($4.95)
- Checks—Deposit checks using the MyBlock mobile app
Why Get an Emerald Prepaid Mastercard—The Key Benefits
The Emerald Prepaid Card can help you manage your finances better and keep your money safe even outside of a bank. Besides being able to sidestep tax return fees, you can also:
- Control your spending—Prepaid cards can help you cut back on your daily expenditures because you can't spend more than you've loaded
- Avoid overdraft fees—Prepaid cards aren’t subject to overdraft fees since they’re not tied to a bank account
- Overturn a poor credit rating—When you apply for a prepaid card, you don’t have to provide your bank history or credit score
How To Get Free Prepaid Cards
Mastercard organizes annual sweepstakes where you can get a free digital prepaid Mastercard, among other items. The catch is that you have to be a legal resident within the 50 U.S. states and above the age of majority in your state.
If you’re not eligible to participate in a giveaway, there’s another way to earn free prepaid cards and other prizes. With reward-based apps, you collect redeemable points by completing online surveys, watching ads, and doing similar activities. In return, you can claim different rewards, like prepaid and gift cards—depending on the app.
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Source: Mode Mobile
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Feature image source: Ivan Samkov