Bitpay CC has opened my eyes to the possibilities of a non banking and cashless society. Its helped me to manage my available funds on a regular basis. I can load my CC on the spot through their app, if I'm short on funds for my transaction. Right at the register! You can use as a CC or debit card if you need cash back, Debit at most vendors like grocery stores, WM, Target etc offer cash back with debit purchases. I highly recommend Bitpay CC!!!