One-Time vs Reloadable Prepaid Cards
A one-time card is loaded once and spent down. A reloadable card lets you add value to the same card again and again. Choose one-time for single campaigns and gifts, and reloadable for recurring or ongoing programs.
Side by Side Comparison
| FACTOR | ONE-TIME | RELOADABLE |
|---|---|---|
| LOADING | Loaded once at the start | Funds added over time by the program sponsor |
| BALANCE | Spent down to zero | Carries over between loads, up to $2,500 |
| FEES | Minimal | A per-reload fee may apply; see the cardholder agreement |
| SETUP | Simple: order and send | Registration and identity verification per recipient |
| BEST FOR | Single campaigns, gifts, rebates, surveys | Recurring rewards and ongoing programs |
When One-Time Wins
Reach for a one-time card when you are running a single send and do not need to add value later. It is ideal for holiday and milestone gifts, rebates, survey payouts, and one-off recognition, while keeping the recipient experience as simple as possible.
When Reloadable Wins
Choose reloadable when you pay the same people more than once. It suits ongoing employee recognition, scheduled sales spiffs, and repeat disbursements because the recipient keeps one card and you add funds as needed.
How to Choose
Ask one question: will you add value to the card again later? If not, a one-time card is simpler. If yes, a reloadable card saves you from reissuing.
Frequently Asked Questions
No. If you can add value again, choose a reloadable card from the start.
The program sponsor loads and reloads it; recipients spend the balance.
Yes. Each card has a valid-through date, and funds expire with the card.
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