The Virtual Visa Healthcare card is a restricted prepaid card that can only be spent at healthcare providers. Attempted transactions at other merchants will be declined.
You can use your Virtual Visa Healthcare card at pharmacies, doctors' offices, dentists, hospitals, and other healthcare providers in 212 countries and regions that accept prepaid cards.
Virtual Visa Healthcare cards can be used online or in-person.
- To pay online, select "credit" as the payment method and enter the 16-digit card number, expiration date, and CVV like a normal credit card. Virtual Visa Healthcare cards can be used with any billing address.
- Virtual cards typically are not accepted at brick-and-mortar stores unless they are first added to a digital wallet. To add the card to a digital wallet, see: Can I add my card to Apple Pay or Google Wallet?
- When paying in-store, select "credit" instead of "debit". Debit transactions may be declined. Then, tap your mobile device at the point of sale to pay with your digital wallet.
Some healthcare providers do not accept prepaid cards. If your provider doesn't accept your prepaid card, contact us at help@tremendous.com and we can help.
Spending small balances
When using your Virtual Visa Healthcare card, any transaction you make must be equal to or less than the remaining balance on the card. If you try to make a transaction greater than the remaining balance, the card will decline.
Most physical merchants allow split transactions, where you can pay for a single transaction with two or more payment methods. To make a split transaction:
- Add your card to a digital wallet like Apple Wallet or Google Pay. For instructions, see: Can I add my card to Apple Pay or Google Wallet?
- Ask the cashier if you can make a split transaction for the card's remaining balance. If you're not sure how much balance is left on your card, see: How do I check my card balance?
- Open the digital wallet app on your mobile device and tap it on the payment terminal to complete payment.
Accepted merchant categories
Your card will be accepted at merchants classified under the following categories:
| MCC | Category | Examples |
| 5912 | Drug Stores and Pharmacies | CVS, Walgreens, Rite Aid |
| 5047 | Medical/Ophthalmic Equipment | Medical supply stores |
| 5975 | Hearing Aids | Hearing aid providers |
| 5976 | Orthopedic Goods, Prosthetic Devices | Medical device suppliers |
| 8011 | Doctors | General practitioners, specialists |
| 8021 | Dentists and Orthodontists | Dental offices |
| 8031 | Osteopathic Physicians | Osteopathic practices |
| 8041 | Chiropractors | Chiropractic offices |
| 8042 | Optometrists, Ophthalmologists | Eye care providers |
| 8043 | Opticians, Optical Goods | Eyeglass and lens stores |
| 8049 | Podiatrists | Podiatry practices |
| 8050 | Nursing and Personal Care Facilities | Nursing homes, care facilities |
| 8062 | Hospitals | Hospitals, medical centers |
| 8071 | Dental and Medical Laboratories | Lab services |
| 8099 | Health Practitioners (other) | Other licensed health practitioners |
Why can't I spend my card at other merchants?
Certain reward senders are subject to rules and regulations regarding the types of payouts they can send to recipients. As a result, they may not be able to send unrestricted prepaid Visa cards.
The Virtual Visa Healthcare card can be used at any healthcare provider that accepts prepaid cards, giving you more flexibility than a gift card tied to a single pharmacy or provider.