A Virtual Visa Reward Card is a prepaid Visa, complete with unique numbers, that is delivered instantly via email. It can be used anywhere that Visa is accepted, both online or by phone. Important notes: You have 4 months to redeem your Visa Prepaid Card. Once accessed, you have 7 months to use your account wherever Visa Debit is accepted online or over the phone. Please note that some merchants may choose not to accept out of country currency at their own discretion. If this occurs, pay for your purchase by another payment method and use your Visa Prepaid Card at a different merchant. Also note that a 2% Non-U.S. Currency Transaction fee will be applied if the merchant settles in a currency other than USD. Card is issued by the Bancorp Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.