H&R Block Emerald Prepaid Mastercard®

Updated: Jun 23, 2021

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

379 User Ratings

H&R Block Emerald Prepaid Mastercard®

at H&R Block Secured website

Apply Now

Application Fee

$0

Credit Reporting

No

Minimum Credit Needed

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 great prepaid card issued by H&R Block for everyday spending, offering a fee-free experience and an easy way of cashing in those tax refund checks. While it may not have as many features as some other cards in the same category, this Mastercard comes with convenient account management. You can check your balance on the go via a smartphone app.

Your cash is secured by FDIC and Mastercard Liability policy insurance. If you need a quick and convenient way to cash in your checks without paying fees, this card is definitely worth considering.

Who Is H&R Block Emerald Prepaid Mastercard For?

Emerald Prepaid Mastercard is a perfect option for people looking for a convenient way to cash in tax refunds checks and make money via cashback. Emerald Prepaid Mastercard from H&R Block will help you avoid paying the check-cashing fees and facilitate cashing in. You can directly deposit your payroll, government, or unemployment benefits and get instant access to your cash.

Enjoying perks always come at some cost. Not with this card. There are no monthly or purchase fees. You can even transfer your cash to the card from your bank account or direct deposit your tax refund and paycheck without paying any fees. H&R Block offers a mobile app to both Android and Apple users to enable them to get insight into their credit card statements. Log in anytime and check your balance on the go.

What are H&R Block Emerald Mastercard Benefits?

  • Emerald Prepaid Mastercard offers a hassle-free way to cash in your checks without paying any fees.
  • Account management can be a real hassle when you have to do it on a PC through a web browser. H&R Block supports this Mastercard with the MyBlock mobile app. The app is available on Google Play Store and Apple App Store. This app enables consumers to manage their Emerald Card when and where they want. Consumers can pay bills, view transactions, and check card account balance, as long as they have access to the internet.
  • Carrying this credit card around with you is definitely safer than carrying cash, as your funds on the Emerald prepaid account are insured by the FDIC. Even if your credit card gets stolen, you’ll be able to get your cash back. On top of that, consumers have an active Mastercard Zero Liability insurance policy, which protects them from theft, fraud, and unauthorized purchases.
  • Adding cash to Emerald Prepaid Mastercard is as easy as spending it. You can add cash, checks, government benefits, or your payroll whenever you want. There are no check-cashing fees nor any other hidden fees. If you choose the “Funds in Minutes” service via MyBlock mobile app, though, you will have to pay a fee. “Funds in Days” service is free of charge.
  • This credit card has no monthly fee or purchase fees. You can use it year-round without having to worry about paying any fees. You can transfer money to the card from your checking or savings account free of charge as well. Direct deposits of your paycheck and tax refund are fee-free too.

What are H&R Block Emerald Card Disadvantages?

While it has a few strongpoints, this card carries a few disadvantages with it. Make sure you learn more before making your final decision. Withdrawing money from ATMs in and out of the H&R Block network comes at a cost. Every time you withdraw cash, you will be charged with a $3 fee. Even if you make an ATM balance inquiry, you will be charged with a $1.5 fee.

A bill pay service is very convenient and attractive as it allows you to pay your bills on the go with this card. If you decide to use it, you will have to pay a fee for each bill that you pay. The fee is small, only $.95, but it can pile up if you use this card to pay all your monthly bills. With this card, you can also withdraw cash from a teller. However, it doesn’t pay off at all because the Emerald card will charge you a whopping $25 fee.

Should You Use This Card?

This card is the best option for people that are already using H&R Block tax preparation software and service. It does come with a few convenient perks and no monthly and purchase fee, but compared to other similar cards on the market, it comes with too few features.

Pros

  • Up to 35% H&R Block Discount
  • No monthly and purchase fee
  • Directly add tax refund checks, payroll or other government benefits hassle-free
  • Convenient account management via MyBlock mobile app
  • No Card Loading Fee

Cons

  • Inactivity fee (after 3 months)
  • High ATM fees
  • High withdrawal at teller fee
  • Minimal features

H&R Block Emerald Prepaid Card FAQ

Apply Now
Basic Information
Issuer: Other Issuers
Network: Mastercard®
Category: Consumer (Stored Value)
Best Used For:
  • Cards for Bad Credit
  • Co-Branded
  • Prepaid & Debit
  • 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

H&R Block Emerald Prepaid Mastercard® Alternatives


H&R Block Emerald Prepaid Mastercard®

H&R Block Emerald Prepaid Mastercard®

APPLY NOW

Annual Fee

$0

Regular APR

0%

Intro APR

N/A

Min. Credit Level

Bad Credit OK

IMPORTANT
*The information provided for H&R Block Emerald Prepaid Mastercard® is believed to be accurate at the time of evaluation or recent update on June 23, 2021. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

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®

Min. Credit Required: Bad Credit OK

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