Emerald Prepaid Mastercard—The Complete Review Emerald Prepaid Mastercard—The Complete Review

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!

In this article, we’ll give you a complete rundown on the Emerald Prepaid Mastercard, including the terms of use, associated fees, and application process. We’ll also discuss the overall benefits of using prepaid Mastercards and tell you how to get a free Mastercard gift card with Mode Mobile’s revolutionary products!

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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 Mastercardyou 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:

  1. Open the Emerald Prepaid Mastercard page
  2. Create an account using the following information:
    1. Username
    2. Email
    3. Phone number
  3. 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.

The Mode Earn App—Your Way to a Steady Income

Mode Mobile offers you a chance to earn supplemental income at a steady rate by performing simple, routine tasks on your phone. With our free Mode Earn App, you can make up to $600 per year by:

  • Locking your phone
  • Charging your device
  • Browsing the web
  • Reading the news
  • Checking the weather
  • Watching short videos
  • Listening to music
  • Playing video games

Source: Mode Mobile

You can convert the accumulated points into prepaid cards and gift cards you can redeem in-store or online. The cards cover the goods and services of leading vendors, such as:

You’ll also get a chance to earn rewards by completing booster activities and taking advantage of exclusive offers. Each live deal will be based on your preferences, so it won’t feel like extra work.

The rewards list isn’t final. If you check for updates regularly, you can catch other amazing redemption items, including crypto-coins, stocks, gaming tokens for Fortnite and PUBG, various gadgets, and real cash via PayPal.

Get the Mode Earn App from Google Play and improve your financial situation with a steady supplemental income. Our app has earned a stellar 4.4-star rating from over 2.6 million users and is currently being used in over 185 countries around the globe.

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


Cash reloads


ATM withdrawal

$3 (out-of-network ATMs)

ATM balance inquiry


ATM decline


Over-the-counter withdrawal


Inactivity fee

$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

Source: NordWood Themes

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:

  1. 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
  2. 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
  3. 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:

  1. Control your spending—Prepaid cards can help you cut back on your daily expenditures because you can't spend more than you've loaded
  2. Avoid overdraft fees—Prepaid cards aren’t subject to overdraft fees since they’re not tied to a bank account
  3. 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.

Many platforms impose limits on the number of tasks you can complete within a day and impose high payment thresholds for collecting prizes. Mode Mobile gives you a chance to score free prepaid cards, gift cards, and other amazing items with minimal effort and virtually no restrictions.

Our company helps budget-conscious shoppers earn a substantial supplemental income by using our two products:



Mode Earn App

A free reward-based app that helps users earn hundreds of dollars in cash, products, prepaid cards, and gift cards for doing simple tasks on their phones like playing music and shopping online

Mode Earn Phone

Our Android-powered smartphone can help you earn twice as much as you would with our app installed on a different device

You won’t have to sacrifice your free time to earn redeemable points since we provide a wide range of easy reward-based activities, from locking your phone to charging the device.

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Source: Mode Mobile

If you get the Mode Earn Phone, your supplemental income can grow at a faster rate. The Android-powered device complements the Mode Earn App perfectly, allowing you to collect twice as many points per action as with the app on a different device. As a result, you can make more than $1,200 per year.

Apart from the pre-installed Mode Earn app, the Mode Earn Phone has a cutting-edge software widget that lets you engage in 16 different earning modes, such as:

  • Watch Mode
  • Music Mode
  • News Mode
  • Surf Mode
  • Lock Screen Mode

Our custom device can do more than help you collect points—it can replace your regular phone. The latest model—Mode Earn Phone MEP2—is a state-of-the-art device with peak performance and amazing specs. The phone comes with a 12-month warranty and a separate 6-month warranty for the battery.

If you’d like to take advantage of our revolutionary device, here’s how:

  1. Start a free trial followed by a subscription—The monthly fee of $9.99 is billed quarterly (you get a device upgrade every 18 months)
  2. Put down a one-time payment of $109—Within months of daily use, you can earn back the entire initial cost of the phone

Get your finances in order with Mode Mobile’s next-gen device that pays you to use it!

Feature image source: Ivan Samkov

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