The Virtual Visa Everyday card is a prepaid card that can be used for most everyday purchases. It cannot be used to buy alcohol, tobacco, or firearms.
You can use your Virtual Visa Everyday card at most merchants in 212 countries and regions that accept prepaid cards, except the categories listed below.
Virtual Visa Everyday 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 Everyday 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.
Spending small balances
When using your Virtual Visa Everyday 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.
Blocked merchant categories
Transactions at the following merchant categories will be declined:
| MCC | Category | Examples |
| 5813 | Bars, Cocktail Lounges, Nightclubs, Taverns | Bars, lounges, nightclubs |
| 5921 | Package Stores (Beer, Wine, Liquor) | Total Wine, liquor stores |
| 5993 | Cigar Stores and Stands | Smoke shops, tobacco stores |
| 5941 | Sporting Goods Stores | Dick's Sporting Goods, REI, Bass Pro Shops, Academy Sports |
| 5599 | Miscellaneous Auto Dealers | Tractor Supply and similar |
| 5999 | Miscellaneous and Specialty Retail | Specialty retail merchants |
| 5122 | Drugs, Drug Proprietaries, Druggist Sundries | Wholesale drug distributors |
| 7273 | Dating Services | Online dating platforms |
| 5099 | Durable Goods (Not Elsewhere Classified) | Miscellaneous durable goods |
| 5933 | Pawn Shops | Pawn shops, pawn brokers |
In addition to the blocked categories above, all standard Tremendous prepaid card restrictions apply:
- No cash access (ATM withdrawals, cashback, money orders)
- No gambling or lottery
- No recurring subscriptions
Why can't I spend my card at certain 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 Everyday card can be used at most merchants that accept prepaid cards, giving you broad flexibility while complying with your reward sender's requirements.