PDS Mastercard Virtual Prepaid

The redemption website provides balance information and transaction history to help you keep track of all your rewards. Please note that some merchants may choose not to accept out-of-country currency at their own discretion. If this occurs, pay for your purchase by another payment method and use your Prepaid Mastercard at a different merchant.

NOTE: You will have 3 months to redeem your reward. Once activated, you'll have 12 months to use your Prepaid Card wherever Mastercard is accepted.

Where can I use my card? Virtual cards and physical plastic cards can both be used online, over the phone, and for mail-in payments. You can even add them to your favorite retailer, service, or fast food mobile apps as a payment method. Physical cards can be used in stores and restaurants, similar to the way you would use your plastic debit or credit card. Some stores may be willing to type in your virtual card information, but allowing a card to be typed in is up to the store’s policy, so we can’t guarantee it.

How do I use my card online? Virtual cards and physical plastic cards can both be used online. You’ll need your 16-digit card number, the expiration date, and the security code. Most web merchants run address verification during checkout to make sure that the address of the card and the address you give the merchant are a match. Be sure your card address is up to date. If you move or need to make an address change for any reason, you can edit the card address at any time. Log in to your Wallet and go to My Profile. Here, you can edit your Wallet address, which means that the next card you add to your Wallet will use this address. You can also update the address of an individual card by clicking on a card in your Wallet or clicking on the original email that was sent to you. Then, select the Edit option, which is above the address.

Can I get cash from an ATM or bank? Your card can’t be used at an ATM or bank for cash unless the back of your card lists cash access fees.

Can I add money to my card? This card can’t be loaded with your own money.

Can I travel with my card? Your card has a Visa or Mastercard logo on it, which means you can use it where Visa or Mastercard is accepted. The front of your card will tell you if the card can only be used in a certain country. For example, it may say that the card can only be used in the U.S. If the front of your card doesn’t show any restrictions, it will work when you travel to a different country. However, if you use it at a store that needs to convert the transaction to a different currency, a 2% conversion fee will apply, just like when you travel with a personal credit card.

Do I need to activate my card? No. Your card is active and ready for you to spend.

Can my card be used to buy fuel? The card cannot be used to pay at the pump. To purchase fuel, you must pay for your purchase inside with the cashier.

I noticed that my card says “debit” on the front. Do I need a PIN Number to use it? Stores can run your card as a credit or a debit transaction, and some stores may let you choose. For quick and easy checkout, just pick “credit”. If you’d like to make a debit purchase instead, you can click on a card in your Wallet or click on the original email that was sent to you to view your PIN.

How do I make a purchase that totals more than the amount on my card? To use your card on a purchase that totals more than the amount on the card, tell the cashier that you want to split the transaction and the current balance on your card. Then, use a different form of payment (cash, check, your own personal card, etc.) for the difference. Most stores will let you split a transaction, but it depends on their policy. If an online merchant’s website doesn’t let you split the transaction, you can try calling the website’s customer service number. They may split the transaction for you over the phone.

How do I check my balance? You can check your balance, card details, mail dates, PINs, spend history, and more online at any time. Log in to your Wallet and click on a card or click on the original email that was sent to you. If you have a plastic card, turn it over and check the back for a reminder of the website and phone number where you can call us with other questions.

What should I do if my card is lost or stolen? Call Cardholder Services right away at 1-866-230-3809. Your card will be closed to block it from fraudulent purchases. We’ll send you a new card for the remaining balance minus a card reissue fee.

Does my card expire? Yes, your prepaid card expires. You can find the expiration date on the front of your card or by logging into this website and viewing your card information. The card can be used until the last day of the month it expires, up until midnight Eastern Standard Time. If your card expires with a balance on it, please see the cardholder agreement for details.

I returned something that I purchased with my card. When will the credit show? Even after you’ve spent the card, keep it until you know you won’t be returning anything you purchased. If you need to return something, the store may need you to swipe the card used to make the original purchase. Once the store does the return at the register, allow 7-10 days for the credit to show on your card balance.

Can my card ever have a negative balance? If a purchase totals more than the amount on the card and the merchant processes your card correctly by sending us an authorization request, the transaction won’t work and your card will be declined. However, there can be times when a merchant processes your card without sending us an authorization request. A restaurant tip can also overdraft a card, so be mindful of your balance at restaurants when leaving a tip. If the card overdrafts, you’ll need to send a payment to Cardholder Services to cover the negative amount. Payments should be sent to:

Cardholder Services PO Box 5109 Buffalo Grove, IL 60089