A lot of times when money is tight I like to ride the wave of my balance increasing until the last minute where I have to spend, and it makes it easy to have it already loaded on a card. I can use my card online or in stores and use it on other apps. It works on Apple Pay, which is my favorite feature. It’s very secure and it gives you the option to get 4% cash back with every purchase that’s more than some credit cards give people with good credit. It makes up for the fee for converting cryptocSee full review