You will pay a small purchase fee (usually around $4.95) and load an initial amount onto the card at the register.

Visit the PayPal Prepaid website to activate your card. You must provide your name, address, date of birth, and Social Security Number for identity verification.

This card has a recurring monthly plan fee (currently $4.95), regardless of how often you use it.

Since this is a prepaid card and not a credit card, your credit score is not impacted by applying.

You can typically find these cards in the "Gift Card" or "Financial Services" section of major retailers. Common locations include: CVS, Walgreens, and Rite Aid Big Box Stores: Walmart, Target, and Dollar General Grocery Stores: Kroger, Safeway, H-E-B, and Publix Convenience Stores: 7-Eleven, Speedway, and Circle K