H&R Block Emerald Prepaid Mastercard®

Tax refund card with unlimited advice from experts

Updated: Jul 4, 2024

Advertiser Disclosure

H&R Block Emerald Prepaid Mastercard is a debit card that can help you add your checks to your card balance and get faster access to your tax refunds. It enables consumers to add a variety of checks ranging from tax refund and government benefits checks to payroll.

The Emerald account management is made simple with the H&R Block app. This app is available for both iOS and Android smartphones and tablets. Consumers can use it to manage the account, pay bills, and view transactions. This Prepaid card is one of the lowest-priced cards on the market. With no monthly, purchase, money transfer, and direct deposit fees, Emerald Prepaid Mastercard users can potentially save a lot in the long run. You should have an H&R block account to apply for this card.

ANNUAL FEE

$0

ONGOING APR

0% Fixed

INTRO APR

N/A

382 User Ratings

H&R Block Emerald Prepaid Mastercard®

This card is not available right now.

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Application Fee

$0

Credit Reporting

No

Recommended Credit Score

Bad Credit OK

Key Features

  • Save 35% on H&R Block software
  • Receive your Tax Refund faster
  • Get FREE Unlimited Advice from a Tax Expert with software purchase
  • Maximum Refund Guarantee
  • 5 Federal E-Files
  • Easy Recordkeeping
  • No card loading fee
  • No Interest Charges
  • Why You should switch from TurboTax to H&R Block

Our Take

The H&R Block Emerald Prepaid Mastercard is a reloadable prepaid card that offers many benefits to users. As the name suggests, it’s issued by H&R Block, one of the most well-known tax preparation companies in the United States. The card allows users to easily access their funds and make purchases, all while earning rewards on their spending. However, like any financial product, the H&R Block Emerald Card has its pros and cons. In this article, we’ll take a closer look at the benefits and drawbacks of this card, as well as who it may be best suited for.

RELATED: 50 Essential Tips For The Tax Season

Who Is H&R Block Emerald Prepaid Mastercard For?

The H&R Block Emerald Prepaid Mastercard may be a good fit for a variety of individuals, including:

  1. Those who want a convenient and affordable way to access their funds.
  2. Those who want to earn rewards on their purchases without the commitment of a credit card.
  3. Also, for those who have a less-than-stellar credit history and may not qualify for traditional credit cards.
  4. Those who frequently use H&R Block for tax preparation and may want to take advantage of the additional benefits and services available to cardholders.

However, it’s important to carefully review the terms and fees associated with the card to determine if it aligns with your financial goals and needs.

H&R Block Emerald Prepaid Mastercard Cons and Pros

The H&R Block Emerald Prepaid Mastercard is a versatile financial tool that comes with its own set of pros and cons. Here are a few key advantages and disadvantages to consider when deciding whether this card is right for you:

Pros:

  • Easy access to funds: With this card, you can quickly and easily access your funds via ATM withdrawals or cash back at participating merchants.
  • No credit check required: Because this is a prepaid card, there’s no credit check required to get approved, which can be a relief if you have a less-than-stellar credit history.
  • No monthly fees: Unlike many other prepaid cards, this card doesn’t charge any monthly maintenance fees, helping you keep more of your hard-earned money.
  • Rewards program: Cardholders can earn cash back rewards on purchases made with the card, making it a great option for those who want to earn rewards without committing to a credit card.

Cons:

  • Limited acceptance: Although the H&R Block Emerald Prepaid Mastercard is accepted at millions of locations worldwide, it may not be accepted everywhere, so you may need to carry another form of payment as a backup.
  • Fees for some services: While there are no monthly fees associated with the card, there are fees for certain services, such as ATM withdrawals and balance inquiries, so be sure to read the fine print before signing up.
  • Limited cash load options: You can only load the card with cash at participating H&R Block offices, so if there’s not a location near you, it may be inconvenient to reload the card.
  • No overdraft protection: Because this is a prepaid card, there’s no overdraft protection available, so you’ll need to keep a close eye on your balance to avoid overdrawing the account and incurring fees.

Should You Use This Card?

Whether or not the H&R Block Emerald Prepaid Mastercard is the right choice for you depends on your individual financial needs and goals. If you’re looking for a convenient and affordable way to access your funds and earn rewards on your purchases without the commitment of a credit card, this card could be a great option. However, if you need to make frequent ATM withdrawals or load cash onto the card often, the fees associated with those services could add up quickly. It’s important to carefully consider your financial situation and compare the H&R Block Emerald Prepaid Mastercard to other options before making a decision.

Exclusive H&R Block Offers and Discounts

Here are a few things that not everyone knows about the H&R Block Emerald Prepaid Mastercard:

  1. The card offers access to exclusive H&R Block offers and discounts that can help users save money on a variety of services, including tax preparation.
  2. Cardholders can set up direct deposit to the card, allowing for faster access to their funds without having to wait for a paper check to clear.
  3. The H&R Block Emerald Prepaid Mastercard offers fraud protection and zero-liability for unauthorized purchases, giving users peace of mind when using the card.

Additionally, for those considering switching from TurboTax to H&R Block for tax preparation, it’s important to review the pros and cons of each service and determine which one is the best fit for your needs. The article “3 Reasons to Switch to H&R Block from TurboTax” on Market Pro Secure can be a helpful resource for those considering making the switch. Additionally, our article comparing TurboTax vs H&R Block may provide additional insight into the differences between the two services.

Bottom Line

The H&R Block Emerald Prepaid Mastercard can be a useful financial tool for those looking for an affordable and convenient way to access their funds and earn rewards on their purchases. With no credit check required, it may be a good option for those who have less-than-perfect credit or who want to avoid the commitment of a traditional credit card. However, it’s important to carefully review the fees associated with the card and determine if it aligns with your financial goals and needs. Overall, the H&R Block Emerald card can be a valuable addition to your financial toolkit if used wisely.

Frequently Asked Questions

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Basic Information
Issuer: Meta Bank
Network: Mastercard®
Category: Consumer (Stored Value)
Best Used For:
  • Cards for Bad Credit
  • Co-Branded
  • Prepaid Cards
  • Guaranteed Approval
  • Tax Refund
Rewards: No
Rates & Fees
Annual Fee: $0
Opening Min: $5
Application Fee: $0
ATM Fee: $2.5
Other Fees:
  • Card loading Fee: NONE
  • ATM Denial Fee: $0.50

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Non-Affiliate Offer Disclosure
*The information provided for H&R Block Emerald Prepaid Mastercard® is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

H&R Block Emerald Prepaid Mastercard®

Reviews - (6 User Reviews)
Share your experience and rate the H&R Block Emerald Prepaid Mastercard®
(Good)
December 11, 2020
Nikki (26-35) - Cardholder
Income on Application
$0
Credit Score
Don't know
Credit Limit
$0
Filed for Bankruptcy
No

Convenient and easy to use

H&R Block Emerald is a straightforward prepaid card. It’s simple to use and doesn’t have any particular bells and whistles. But I like it. I use it for getting direct deposits and making everyday purchases on groceries and utilities. There are no unnecessary fees. It’s the most affordable card I ever owned. I enjoy it and would recommend it to others as well. 5/5
Fees & Charges:
3/5
Features & Benefits:
4/5
Customer Support:
3/5
Application Process:
4/5
Comment (0)

(Excellent)
August 26, 2020
BG (26-35) - Wants to have it
Income on Application
$850
Credit Score
Don't know
Credit Limit
$200
Filed for Bankruptcy
No

Emeral card for stimulus

I want a emerald card so I can put my stimulus on it so I can get my money without asking or waiting for someone to tell me that I have money.
Fees & Charges:
4/5
Features & Benefits:
5/5
Customer Support:
3/5
Application Process:
4/5
Comment (0)

(Good)
July 2, 2020
M. (26-35) - Cardholder
Income on Application
$38422
Credit Score
Needs Work (300-579)
Credit Limit
$500
Filed for Bankruptcy
No

Easy to receive cash and pay bills online

I don’t really like credit cards, but I hate paying my bills at the post office even more. The Emerald card comes with this app called H&R Block, and it allows me to receive cash and pay bills remotely. I just jump into the app and transfer the money wherever I want in seconds. The fees are high when you want to withdraw money, but I don’t really care. I would pay twice that just to skip those long lines in banks. It’s probably not the best card out there, but it works for me.
Fees & Charges:
3/5
Features & Benefits:
5/5
Customer Support:
3/5
Application Process:
4/5
Comment (0)

H&R Block Emerald Prepaid Mastercard®

H&R Block Emerald Prepaid Mastercard®

Rec. Credit Score: Bad Credit OK

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