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Visa® Prepaid Debit Card

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Opt+ Visa Prepaid Debit Card

What is a Prepaid Debit Card?

For users who prefer to avoid banks, prepaid cards offer a convenient alternative to bank debit cards. Similar to traditional credit and ATM cards, this plastic payment method allows users to make purchases worldwide without cash. Additionally, like bank cards, many prepaid debit cards allow cardholders to withdraw cash from an ATM and make store purchases without a pin number. Users can load the card with funds to be used for purchases at their own convenience.

Opt+ Visa Prepaid Debit Card

Exclusively distributed by Speedy Cash®/Rapid Cash®, the opt+® Visa® Prepaid Debit Card offers all of the beneficial features of a traditional bank card including the ability to make purchases, withdraw cash and pay bills. As a member of the Visa network, the opt+ Prepaid Debit Card can be used at all locations that accept Visa credit cards. Moreover, the opt+ card offers users the security of not having to carry large amounts of cash and the ability to reload cash as funds run low.

How Opt+ Works

Step 1: Choose the Card That Fits Your Wallet

There are three opt+ cards to choose from, each with different features. Depending on which card option you choose,
purchase fees will vary.

1. Pay as you go Opt+ Card Pay As
You Go
FREE $2.00 $2.00 FREE*
2. Monthly Opt+ Card Monthly
$8.00 $1.00 FREE FREE*
3. Direct Deposit Opt+ Card Direct

1. Pay As You Go:

This option requires no monthly or ATM fee. For PIN and signature purchases, a $2.00 fee will be deducted from the
account funds.*

2. Monthly:

With an $8.00 monthly fee, this option offers the low rate of $1.00 PIN purchase fees with no fees for signature purchases or ATM withdrawals.*

3. Direct Deposit:

Offering free PIN and signature purchases as well as ATM withdrawals*, this option has a basic monthly fee of $5.95.

Step 2: Activate Your Card

Activate your opt+ card online at www.optpluscard.com or by phone at 1-866-331-3063. Once your card has been activated, you will be able to add funds and immediately begin using your card anywhere Visa debit cards are accepted including in stores, online and over the phone purchases.

Step 3: Add Funds

Funds can be loaded and unloaded for a fee at any Visa Ready Link location, or at no charge at any Speedy Cash or Rapid Cash location. If you elect to have payroll checks deposited directly onto the opt+ card, you can actually receive funds 1-3 days early. Speedy Cash does not hold direct deposits. We post payments immediately to get you cash quickly for your convenience.

Step 4: Spend

Once, you've selected which card fits your needs best and have added funds, you can begin to use your card in a variety of ways:

Use Your Card

Use ATMs | Pay Bills | Transfer Money | Shop at Stores | Shop Online | Shop Over the Phone

Depending on which card option you choose, purchase fees will vary.

Additional Opt+ Features

Track Purchases:

For customer benefit, opt+ offers a website for cardholders to view and manage their accounts online. You can also set up auto alerts to be automatically notified of card activity via text or email.

Why Opt+?

Because the opt+ Visa Prepaid Debit Card is exclusively distributed by Speedy Cash, you receive the financial expertise of our representatives. We have partnered with Visa, one of the world's leading credit providers, to ensure your security and offer you the most convenient payment options possible. With bonus features and a variety of management options, the opt+ Visa Prepaid Debit Card requires no credit check and allows you to make purchases around the world.


Have questions about opt+ Prepaid Debit Cards? We want to help!
Call us toll-free at 1-866-331-3063, or visit our opt+ FAQ page to get answers to the most frequently asked prepaid debit card and opt+ questions.