Opt+® Prepaid Visa® Debit Card options

Prepaid debit cards from opt+® make it easy to take manage your money on the go. We understand that everyone's needs are different; that's why we offer three different prepaid Visa® debit cards each with different payment plans and features. Whether you're looking for a card to track daily spending or a card to help you save money, opt+® has the right card for you!

Choose the opt+ card that fits your wallet

Direct Deposit Cards

Skip the check cashing fees and have paychecks loaded directly to your opt+® card! The direct deposit card gives you quick access to your paycheck and offers free PIN and signature purchases for a basic monthly fee of $5.95. Plus, your $5.95 monthly fee will be waived if you have direct deposits exceeding $1,500 monthly. If your employer or benefits office offers direct deposit, this is the best opt+ card for you.

Get paid 1-3 days faster

Your paycheck will be securely deposited to your card

Receive 5% cash back on purchases*

*Valid for qualifying Customers only. Must receive Direct Deposits for 12 months before purchases are eligible. Not valid on Merchant Credits, Chargebacks, or ATM transactions. Cashback available up to $125 per year.

Activation Fee No Fee
Monthly Card Fee $5.95
Debit Purchases No Fee
Signature Purchases No Fee
ATM Fee No Fee at any Speedy Cash or Rapid Cash Store
Balance Inquiry No Fee
ATM Decline Fee $0.50

Monthly Cards

With an $8.95 monthly fee, this option also offers free signature purchases and PIN purchases. If you plan to use your card more than 4 times on a monthly basis but don't have direct deposit, then this is the best card for you!

Load money and use it to shop online, by phone or in stores

No more waiting in lines for money orders, use your card to pay bills

Manage your expenses using the opt+ mobile app for Android and Apple®

Activation Fee No Fee
Monthly Card Fee $8.95
Debit Purchases No Fee
Signature Purchases No Fee
ATM Fee No Fee at any Speedy Cash or Rapid Cash Store
Balance Inquiry $1.00
ATM Decline Fee $0.50

Pay As You Go Cards

Opt+® also offers prepaid cards with no monthly fees. With the Pay As You Go card, you will only have to pay when you use your card. By default, if you are a new opt+ cardholder, then you will automatically be enrolled in the Pay As You Go plan when you're first issued your card. If you only plan to use your card less than 4 times per month, then this is the card for you!

Avoid overdraft charges; only spend what you load on your card

Keep a close eye on where your money is being spent

Choose how much money you want to load; always know your balance

Activation Fee No Fee
Monthly Card Fee No Fee
Debit Purchases $2.00
Signature Purchases $2.00
ATM Fee No fee at any Speedy Cash or Rapid Cash Store
Balance Inquiry $1.00
ATM Decline Fee $0.50

Get your opt+® prepaid Visa® card today!

Say "buh-bye" to outrageous fees and "hellooooo" to opt+!
Apply for your opt+® reloadable Visa® card now.

Our features make it easy to manage your money.
No matter which card you choose, you can take advantage of these great features.