Reviews

H&R Block Emerald Prepaid Mastercard® full review

The H&R Block Emerald Prepaid Mastercard® could be the perfect card to get you on top of your debts and still not pay extra fees.

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by Sabrina Paes

Published on 12/14/2022

H&R Block Emerald Prepaid Mastercard®: No monthly fee

Source: H&R Block Emerald Prepaid Mastercard® card
Read our H&R Block Emerald Prepaid Mastercard® full review! Source: H&R Block

A bad credit score can make your financial life difficult and prevent you from having a good credit card. However, you will discover another alternative in this H&R Block Emerald Prepaid Mastercard® review.

H&R Block logo

How to apply for H&R Block Emerald Prepaid Card

The H&R Block Emerald Prepaid Mastercard® might be what you're looking for if you don't have a good credit score. Learn how to apply today!

This prepaid card has no associated annual fee or APR fee; you only use it when you have money. In other words, it prevents you from making more debts and helps to recover your credit score. Learn more about this option.

  • Credit Score: All credit scores are accepted;
  • Annual Fee: $0;
  • Regular APR: 0% fixed;
  • Welcome bonus: None;
  • Rewards: None.

How does the H&R Block Emerald Prepaid Mastercard® work?

The H&R Block Emerald Prepaid Mastercard® in this review is one of the best prepaid card options. After all, you won’t find fees associated with monthly and annual services.

This card works only after you load it with cash values that you do at an ATM. That is, you cannot finance any purchase or even use some kind of overdraft.

You will also be able to find some one-off fees associated with the card load service, for example. However, good use of this card can bring significant improvements to your credit score.

H&R Block Emerald Prepaid Mastercard® pros and cons

See the pros and cons of this card! Source: Adobe Stock

The H&R Block Emerald Prepaid Mastercard® featured in this review can be very good for people without a positive credit score.

After all, you don’t pay fees for using it, and it has a function similar to a debit card.

However, you may incur associated fees for reloading your card with cash. Additionally, you may be charged for inactivity longer than 60 days. Check out the comparison of the main pros and cons.

Pros

  • Withdrawals at the network’s ATMs are always free;
  • There is no monthly or annual fee associated with many prepaid cards;
  • There is no associated monthly service fee;
  • No activation fee to start using the card.

Cons

  • A fee of $4.95 may be charged each time you need to top up your card;
  • There is an inactivity fee that may apply if you do not use your card for 60 days;
  • Withdrawals at other ATMs outside the network may have associated fees.

Does my credit score need to be good?

This H&R Block Emerald Prepaid Mastercard® review points out that you don’t need a good credit score to apply. After all, this card only works when you add money, similar to a debit function.

Therefore, there is no need to consult your credit score in advance, as you will not be able to use an overdraft or financing. Therefore, it is a good option for all credit scores, including bad ones.

Want to apply for the H&R Block Emerald Prepaid Mastercard®?

In this H&R Block Emerald Prepaid Mastercard® review, you discovered a new card option for your purchases. Furthermore, this card can only be used as a debit function when loaded.

However, you need to know the correct procedures to apply for this card. So, check out the step-by-step that we separate to help you in this post.

Source: H&R Block Emerald Prepaid Mastercard® Card

How to apply for H&R Block Emerald Prepaid Card

The H&R Block Emerald Prepaid Mastercard® might be what you're looking for if you don't have a good credit score. Learn how to apply today!

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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