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H&R Block Emerald Prepaid Mastercard review

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Get your tax return without a bank account, but beware of inactivity fees.

  • Get this card if you want to receive your tax return on a prepaid card.
  • Choose another card if you primarily make cash deposits or don’t want to use H&R Block’s tax services.


Monthly fee


Signature transaction fee


PIN transaction fee


Card typeDebit
Card networkMastercard
Monthly fee$0
Signature transaction fee$0
PIN transaction fee$0

What you’ll like

You can use the H&R Block Emerald Prepaid Mastercard long after tax season ends and benefit from features like:

  • Bill pay. Sign up for H&R Block’s bill pay service to manage your payments in one location. Fees may apply.
  • Mobile app available. Check on your account from your smartphone anytime using the H&R Block app. Find the location of an H&R Block cash reload partner near you, review transactions, pay bills and more.
  • Receive payments easily. Sign up for direct deposit with your employer or get your government benefits paid to your card.
  • Deposit checks. Using the H&R Block app, deposit checks with your smartphone. Fees may apply.
  • Transfer money. If you have a checking account you’d like to link, you can move funds to and from your card without H&R Block charging a fee.
  • In-store cash withdrawals. You can typically withdrawal cash without paying a fee when you request cash back while making a purchase in a store.
  • No overdraft fees. Transactions that will overdraw your account are automatically declined. If your account happens to reach a negative balance, you are not charged an overdraft fee but you are responsible for paying the amount.

What to watch out for

The H&R Block Emerald Prepaid Mastercard has a few drawbacks that you should consider:

  • Cash and check deposit fees. You can reload your card with cash at retail partners, but it comes at a cost of up to $4.95 per deposit. Check deposits are free if you don’t mind waiting 10 days, but cost up to 4% of the amount being funded if you need it expedited.
  • Limited signup options. You can only sign up for the card at an H&R Block location or as an option for your tax return while filing.
  • Load limits. You’re limited to loading $1,000 per day. If you get paid for a gig in cash, you may have to break up your deposits.
  • Account closure. If your card is inactive for a number of months and its balance falls to $0 by the inactivity fee, it may be closed.
  • Other regular fees. You may pay several other fees for regular actions, included in the table below.

H&R Block Emerald Prepaid Mastercard fees

Cash reloadUp to $4.95
Expedited check to cardUp to 4% of the amount deposited
Bill payment$0.95
Expedited bill payment delivery — electronic$2
Expedited bill payment delivery — check$10
Over the counter withdrawal — financial institution$35
ATM withdrawal$3
ATM balance inquiry$1.50
ATM decline$1.50
Expedited delivery for replacement card$35

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The Sequin KLS Prepaid Visa RushCard can add some glitz and fun to your wallet. Aiming to help improve your financial future.
The AccountNow Gold Visa Prepaid Card is a debit card that allows cardholders the convenience of direct deposit without having to open a checking account.
The AccountNow Prepaid Visa Card gives you quick access to your money, and is a convenient alternative to traditional bank accounts.
The 24k Prepaid Visa RushCard offers online and in-store purchasing without a credit check.

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How do I get the H&R Block Emerald Prepaid Mastercard?

You can only get the H&R Block Emerald Prepaid Mastercard at an H&R Block location or online when you’re using H&R’s software to prepare your taxes.

To find your nearest H&R Block:

  1. Go to the H&R Block website.
  2. Select Find an office.
  3. Enter your ZIP code and select Go.


To register your H&R Block Emerald Prepaid Mastercard,
you must be:

  • At least 18 years old
  • Have a driver’s license or state ID

Required information

Have the following ready before you register your card online:

  • Full name
  • Residential address
  • Date of birth

Funding options

Your funding options include:

  • Cash. Visit a retail partner to load your card using cash for a fee of up to $4.95.
  • Direct deposit. Receive pay from your employer or government benefits directly to your card.
  • Check. Deposit checks using the mobile app.
  • Bank transfer. Link your bank account and make recurring or one-off deposits.

How long will it take to get my card?

Your card should arrive in the mail within seven to 10 business days of account approval.

I got the card. Now what?

Take full advantage of the features of your new card to get the most out of it.

  • Register for an Emerald Online account. Once you’ve signed up, you can log in to the mobile app to manage your card, check your balance, deposit checks and more.
  • Utilize direct deposit. Get your paycheck or government benefits without having to pay a check-cashing fee when you receive them on your card.
  • Contact customer service. Customer service is available year round, 24/7. Call 866-353-1266 with any questions.

Bottom line

The H&R Block Emerald Prepaid Card can be a good option if you’re a current H&R customer and don’t want to receive your tax return via bank deposit. It offers a mobile app, bill pay, no overdraft fees and more, but watch out for fees that can eat into your cash.

Before deciding on a prepaid card, compare your options and find the one that will best serve your financial needs.

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