CARD.com Reviews 33,724

TrustScore 4 out of 5

4.0

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers frequently praise the user-friendly platform and the wide selection of card designs available. Many people appreciate the excellent customer service, noting the patience and respect shown by representatives, and the quick assistance provided for concerns. The product itself is often described as a great card, with consumers highlighting features like early payday and the ability to add it to mobile payment apps. However, some customers also noted issues with payment processing, specifically money not appearing in their balance after transfers. There are also mixed opinions regarding overdraft protection, with some finding it insufficient or frequently declined, while others appreciate its availability after meeting requirements. A few other people also felt that customer service was inefficient or difficult to communicate with, particularly concerning lost funds or unreceived cards.

What people talk about most

Payment

Customers consistently note ambiguous experiences with payment. While some reviewers praise fast transactions... See more

User experience

Customers had positive experiences with user experience. Many reviewers found the platform and app to be... See more

Product

Reviewers mention positive feedback about the product. Many customers express satisfaction with the card's... See more

Customer service

Users describe ambiguous interactions with customer service. While some customers report positive... See more

Service

People report ambiguous experiences with service. Many customers praise the excellent, quick, and reliable... See more

Based on these reviews

Rated 4 out of 5 stars

I have been a costumer for years and the only complaint I have is that I moved some money twice last week from Cashapp to my CARD.com account and it shows in my transactions history but never went on... See more

Company replied

Rated 4 out of 5 stars

I enjoy the 2 day early payday and that I've earned over draft availability, however I really bothers me that if not paid back within 24 hours there's a late charge. I think that if there are multiple... See more

Company replied

Rated 4 out of 5 stars

Its another vista debit card good to have but DONT like the fact they charge 10.00 for maintance which is bull once a month . WHAT ARE THEY ACUALLY DOING FOR 10.00 DOLLARS ????NOTHING!!!!!!!

Company replied

Rated 4 out of 5 stars

I haven't received my card or actually used the account but any account that keeps someone's money safe is ok w me

Company replied


Company details

  1. Financial Consultant
  2. Non-Bank Financial Service

About CARD.com

Written by the company

Your money, your way.

Our mission is simple; to enhance the financial lives of our customers with affordable, fun, and practical financial solutions.

Your money, your look.

Yes! You may have up to three different Card designs.

Trustpilot-GIF-Rotating-Remake-Initial.gif
Features

Break free from financial limitations.

CARD.com offers many convenient ways to add your money, including adding cash8 with Green Dot®, Western Union®, and through Direct Deposit from your employer or federal benefits provider. You can transfer funds from external bank account or mobile payment apps like Cash App, Venmo, and Paypal5, use ATMs to withdraw cash1, and shop near your home and even around the world.

1. While In-Network ATMs are available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Account. The standard Monthly Maintenance Fee is $9.95 and can be waived with a qualifying deposit. See the Demand Deposit Account Agreement for more details.

3. Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer's support of the feature and timing of payer's funding.

4. The optional Savings Account linked to your CARD Premium Bank Account by Pathward is established by Pathward, N.A., Member FDIC. Interest is calculated on the Daily Balance of the Savings Account and is paid quarterly. The interest rate paid on the entire balance will be 0.0499% with an annual percentage yield (APY) of .05%. The interest rate and APY may change. The APY was accurate as of 08/17/2020. The minimum balance required to open the Savings Account is $10. The minimum daily balance required to obtain the advertised APY is $10. You must receive one (1) payroll or government benefits direct deposit to be eligible to open a Savings Account. Savings Account funds are withdrawn through the Premium Bank Account and transaction fees could reduce the interest earned on the Savings Account.

5. Optional services (such as Venmo, CashApp, Google, Apple, Etc) are not CARD, Pathward or Visa products or services nor does CARD, Pathward or Visa endorse this offer. Third-party fees may apply.

8. Third party bank fees may apply.

9. Mobile Check Capture is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding at Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your Account. Unapproved checks will not be funded to your Account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms, and conditions may be associated with the funding and use of your Account. See your Demand Deposit Account Agreement for details.


Contact info

4.0

Great

TrustScore 4 out of 5

34K reviews

5-star
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Rated 3 out of 5 stars

It was kinda vague and not easy to use

it was vague

January 23, 2026
CARD.com logo

Reply from CARD.com

Hi. Thanks for reaching out! We sincerely apologize about the experience. We're always here to help! Please call our customer support at (844) 227-3602. Live agents are available from 7:00 am to 7:00 pm Central Time from Monday through Friday to best assist you with your inquiry.

Rated 1 out of 5 stars

Good one keep using

January 22, 2026
CARD.com logo

Reply from CARD.com

Hi. Thanks for reaching out! We'd really like to help you with your concern. Please call our customer support at (844) 227-3602. Live agents are available from 7:00 am to 7:00 pm Central Time from Monday through Friday.

Rated 5 out of 5 stars

Good account



Good service

January 16, 2026
CARD.com logo

Reply from CARD.com

Hi Derek. We are glad you are enjoying everything that CARD.com has to offer. Thanks for sharing the love!

Rated 5 out of 5 stars

I love the cards I get

I love the cards I get

January 22, 2026
CARD.com logo

Reply from CARD.com

Hi. We're thrilled that you are loving the card art design. Thanks for sharing the love!

Rated 1 out of 5 stars

Disgusted!

Honestly, if I could rate your company negative stars, I would. I have never been treated so badly by a company in my life! I was a loyal customer for years and switched with you when you became Premium, even though it meant paying more because I trusted you. When I got scammed, I showed proof upon proof upon proof, only to be dismissed and not have a refund given to me. I’m not a wealthy woman and that scam cost me about $80, which made a mess of my finances for three months. I never received my physical card and had to use my virtual card only until I found the reputable company I’m with now. I have closed my account with your company and will now make it my mission to post everywhere I can and warn everybody I know and/or don’t know about what lousy service you offer and what horrible people you are. I am disgusted by you and am so thankful my nightmare experience with you is finally over. Shame on all of you!

January 28, 2026
Unprompted review
Rated 5 out of 5 stars

We live on Cape Cod

We live on Cape Cod, we have been working with the (car) store with Louise on Cape Cod. We went to Wareham to sit on different furniture to make sure the couch we wanted was the one we wanted and we did and I asked the sales lady Melissa, if she could give me the paper she had in her hand that she wrote down how much money it would be in the cost difference in the amount ,as we are working with a warranty so she gave us a write up a print out of what we wanted and slapped her name right on top which meant Louise on Cape Cod did not get that sale. Melissa is a very underhanded sneaky person. We told her that the sale belong to Louise and she understood that but put her name on the top of the paper which meant Louise did not get the sale, even though we explained to her that we have been working with Louise and she said OK no worries, but she put it under her name which meant Louise did not get the sale when we went back to the hyannis store to tell Louise we finally picked it out. She already knew because it was in her computer Stephanie you’re a sneaky woman . I’m gonna say it no non professional move. You didn’t give 1 ounce of care that we have been working with Louise in the Cape Cod store to me that makes you very unprofessional we even told you and you still put your name on it. We will never be back to Cardies’s in Wareham again !! cannot be trusted ,Melissa you are not a very fair person. I get your work on commission and we explain to you that that was not your sale. Very disappointed in your actions. Just thought people should know how sneaky you are Melissa. in the Wareham card store.

January 26, 2026
Unprompted review
Rated 5 out of 5 stars

JulzJul210$

It's was great awesome job..

January 21, 2026
CARD.com logo

Reply from CARD.com

Hello. We're so happy to hear that from you! Thank you for sharing the love!

Rated 1 out of 5 stars

If I could give them negative stars

If I could give them negative stars, I would.

I have waiting for an entire year. I submitted a pet insurance claim and was supposed to receive a direct deposit reimbursement to my account with this bank. The money never arrived. Simple problem, right? Must be the pet insurance? WRONG.

What I've done:
Submitted all forms properly, linked my card.com bank account successfully prior to any reimbursements. Recieved EMAIL CONFIRMATION that my funds were sent, called their customer service center multiple times, got in contact with their finance department (confirmed payment was sent, provided me a receipt of funds being accepted, no funds sent back to them)

With Card.com:
called many and many times, I've lost count. Over 10 times a month I'm going to estimate. Each time: "we never received it, call the pet insurance" Tried to escalate calls, would get hung up on, or get told that i would be connected to someone, wait on the phone THEN get hung up on. Tried to provide confirmation and receipts of payment, was ignored. Impossible to get ahold of via email. When I posted my first review, i was told to contact them via email, which I did AND ALL I GOT BACK WERE THE EXACT SAME INSTRUCTIONS LEADING ME TO THE SAME RUNAROUND SCHEME I JUST PREVIOUSLY MENTIONED!

Here's the loop I've experienced for 12+ months:
1. call pet insurance to ask why i wasnt reimbursed even though I'm viewing confirmation of payment reimbursement to my selected account (Card.com)
2. Get told they did send it, they check it, card.com accepted the funds.
3. Call card.com "we dont have it call the sender"
4. call pet insurance "payment wasnt returned, heres proof, call your bank"
5. repeat to step 3.
6. Experience one (or more) of the following customer service tactics:
6a. Transferring in circles between someone getting my information and "sending me to the correct department"
6b Promising a call back
6c. Asking the same information repeatedly (even though theres a "note")
6d. Hanging up when I ask to speak to a supervisor.
6e. Hanging up after a 40+ minute wait on hold.
6f. Literally disconnecting in the middle of a sentence after giving a call back number after waiting THREE HOURS.
7. Repeat until you lose your mind.

The Insulting Part:
After they responded to my first public review saying they wanted to fix this and to email them, they gave me THE EXACT SAME INFORMATION FROM THE FAQs PAGE TO FOLLOW AND IT LED ME TO THE EXACT SAME LOOP OF NOTHINGNESS

and now, the auduacity..
While my money is in limbo, I can't get anyone to help me, I'm receiving marketing emails from them:
"Your money is safe with CARD.com!" ????
"We waived your monthly fee!"
"See why customers LOVE Quickpay Direct Deposit!"
"We want you back!"

The nerve to market to me about how safe my money is and how great their direct deposit is while I'm actively missing a direct deposit is beyond comprehension.

A competent bank would have investigated when I first reported the missing deposit. Traced the transaction using confirmation I provided, worked with the sending insitution to locate the funds, escalated to a supervisor who gives a damn, resolved this in days, or weeks even not OVER A YEAR.

To Current Customers: Document everything, screenshot eveerything, record calls if their legal in youor state. Get confirmation numbers, You'll need the evidence when they lose your money too.

To Potential Customers: DO NOT USE THIS BANK IF YOU VALUE YOUR TIME, YOUR MONEY, you expect accountability, you expect timely resolutions to issues, and you don't like being gaslit. There are dozens of banks that actually care about customer service and don't' make their money disappear. Choose literally any of them.

Unacceptable.

January 26, 2026
Unprompted review
Rated 5 out of 5 stars

I have been very pleased with this site…

I have been very pleased with this site and my card. Overall, customer service has been excellent when I have needed assistance, and the platform is very user-friendly, making it easy to use and reload the card. I do not particularly like the monthly fee, as I occasionally forget about it; however, overall, I would rate this company 10/10.

January 26, 2026
Unprompted review
CARD.com logo

Reply from CARD.com

Hi. Thank you for your continued support. We appreciate you taking the time to share the love!

Rated 5 out of 5 stars

It's an online banking app that has not…

It's an online banking app that has not let me down. Even with the monthly fee it's still well worth putting your money into.

February 15, 2025
CARD.com logo

Reply from CARD.com

Hello Pearl. Thanks for sharing your love for CARD.com. It means so much to us! You can actually waive your monthly maintenance fee with a qualifying deposit. For more details, you can visit our FAQs at: https://card.com/faqs/ or call our customer support at (844) 227-3602. Live agents are available from 7:00 am to 7:00 pm Central Time from Monday through Friday.

Rated 4 out of 5 stars

My experience with the whole app

There customer service is awesome and they give you a good checking and savings account with virtual and physical cards, but it's hard sometimes to get where you can deposit cash money to it but I'm going to keep using it the way I have been for the last 2 years

July 28, 2025
CARD.com logo

Reply from CARD.com

Hi Roland. Thank you for your continued support. We appreciate you taking the time to share the love!

Rated 1 out of 5 stars

nothing went right

nothing went right. tried to make prepaid card failed

January 15, 2026
CARD.com logo

Reply from CARD.com

Hi. We sincerely apologize about the experience. We're always here to help. We are no longer a prepaid program but are now a Demand Deposit Account program. Please visit our official website at: https://card.com/. For further details, you can also check our FAQs at: https://card.com/faqs/ or call our customer support at (844) 227-3602. Live agents are available from 7:00 am to 7:00 pm Central Time from Monday through Friday.

Rated 5 out of 5 stars

They are great at addressing my…concerns

They are great at addressing my concerns, ive been with them for a long time and they have always taken care of my account

June 18, 2025
Unprompted review
CARD.com logo

Reply from CARD.com

Hi. Thank you for your continued support. We are glad that we were able to help! Thanks for sharing the love!

Rated 1 out of 5 stars

I haven’t gotten card

I haven’t gotten card

January 13, 2026
CARD.com logo

Reply from CARD.com

Hi Sabrina. Thanks for reaching out! We sincerely apologize about the experience. We're always here to help. Please call our customer support at (844) 227-3602. Live agents are available from 7:00 am to 7:00 pm Central Time from Monday through Friday and request a "Card Replacement".

Rated 5 out of 5 stars

I'm just starting

I'm just starting, but I like it.

January 10, 2026
CARD.com logo

Reply from CARD.com

Hello. We're so happy to hear that from you! Thank you for sharing the love!

Rated 5 out of 5 stars

Very easy to do

Very easy to do

January 11, 2026
CARD.com logo

Reply from CARD.com

Hello. Thanks for sharing your love for CARD.com. It means so much to us!

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