#181 ·
Look, if we’re talking about PayPal ... you should really go ask over in that specific thread ... those guys are absolute experts when it comes to this kind of stuff
Best online payment cards?
Started by neonorca11 · · 👁 21 views · 563 replies
Participants
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#182 ·
I've been using a Visa Debit card for about a year now. It was quite a struggle at first, trying to wrap my head around how online payments actually work, until I finally tracked down a card with that essential CVV. Once I opened a foreign currency account at Chase and set my primary currency to US Dollar, I received a Visa card with the CVV located on the back, right on the signature line—just those last three digits. You really can't even set up a PayPal account or buy anything without that CVV. When you open that type of account, it’s also worth setting up Chase online banking; if you only use Chase Lite, you're pretty much stuck just viewing transactions. Having access to things like Apple Pay and other features is better too, since combining those three options usually gets you a better discount on transaction fees. You don't need a steady salary to start; just a state ID and a little bit of cash. They didn't require me to deposit any specific minimum amount just to get a Visa with a CVV.
#183 ·
So, here’s the deal—I have some savings sitting in USD at Chase, and I’m looking to get a card linked to those deposits so I can actually shop online. The teller told me straight up that I could just grab a Visa debit card and use it for web purchases—specifically things like Amazon. But then I started doing a little digging online, and now I'm seeing conflicting info suggesting you can't actually use a Visa debit for online orders, which has left me feeling a bit lost 🤷 If anyone has the patience to walk me through how all these different cards actually work, I’d really appreciate it 🙏
#184 ·
ironharbor57 said:So, here’s the deal—I have some savings sitting in USD at Chase, and I’m looking to get a card linked to those deposits so I can actually shop online. The teller told me straight up that I could just grab a Visa debit card and use it for web purchases—specifically things like Amazon. But then I started doing a little digging online, and now I'm seeing conflicting info suggesting you can't actually use a Visa debit for online orders, which has left me feeling a bit lost 🤷 If anyone has the patience to walk me through how all these different cards actually work, I’d really appreciate it 🙏
You definitely CAN shop online with an Intel debit card as long as the back of the card (where you sign) has those three digits known as the CVV—most modern cards have them. One thing to watch out for is that some banks (like JPMorgan Chase, for example) issue debit cards that don't play nice with PayPal or certain websites, making them useless for online shopping. I'm not sure about Wells Fargo. I know they work fine with Bank of America and Citigroup.
P.S. Some banks will actually give you real credit cards—Visa or Mastercard—based on your savings balance, and those work perfectly for online shopping. You should ask if that's an option for you. Those would be even better since you could use them to buy things on a payment plan.
#185 ·
After taking everyone's advice, I headed down to Bank of America to open a foreign currency account, mostly because my old Visa Electron doesn't have a CVV on the back.
Once the new card arrived, I went back to the branch to double-check if it worked for online shopping. The teller flipped it over, spotted the CVV on the back, and gave me the thumbs up...
Feeling pretty good about it, I headed home to link it to my accounts, but both PayPal and Gamebookers rejected it. It won't even let me add the card; every time I try to enter the details, I just get an "invalid card number" error.😕
It’s a Maestro card from Bank of America.
Once the new card arrived, I went back to the branch to double-check if it worked for online shopping. The teller flipped it over, spotted the CVV on the back, and gave me the thumbs up...
Feeling pretty good about it, I headed home to link it to my accounts, but both PayPal and Gamebookers rejected it. It won't even let me add the card; every time I try to enter the details, I just get an "invalid card number" error.😕
It’s a Maestro card from Bank of America.
#186 ·
Regarding our previous discussion on which cards actually work with PayPal:
Since so many of you have been asking for a definitive list, here’s the breakdown of which cards you can successfully link to your PayPal account:
1. VISA - Credit
2. VISA ELECTRON - Debit; specifically those tied to your USD or domestic checking accounts at JPMorgan Chase or Bank of America
3. Mastercard
4. American Express
(5.) Diners Club - You might be able to register it, but don't hold your breath because you won't be able to actually use it for payments
Finally, PayPal has officially arrived in America!
Since so many of you have been asking for a definitive list, here’s the breakdown of which cards you can successfully link to your PayPal account:
1. VISA - Credit
2. VISA ELECTRON - Debit; specifically those tied to your USD or domestic checking accounts at JPMorgan Chase or Bank of America
3. Mastercard
4. American Express
(5.) Diners Club - You might be able to register it, but don't hold your breath because you won't be able to actually use it for payments
Finally, PayPal has officially arrived in America!
#187 ·
I know these kinds of threads can be a bit tedious, but this is where I turn when I actually need some solid advice or info!
Basically, I’m looking for a card I can use for online shopping—mostly betting sites, booking flights, and stuff like that—specifically one with a number on the back. I don't want a credit card because I have zero interest in dealing with monthly installments, and I’d really love to avoid any annual fees or extra charges (around $67). Does anyone know if there's anything like that available here in the States?
Right now, I just have a checking account over at JPMorgan Chase, and honestly, that's the only card I'm currently using...
Basically, I’m looking for a card I can use for online shopping—mostly betting sites, booking flights, and stuff like that—specifically one with a number on the back. I don't want a credit card because I have zero interest in dealing with monthly installments, and I’d really love to avoid any annual fees or extra charges (around $67). Does anyone know if there's anything like that available here in the States?
Right now, I just have a checking account over at JPMorgan Chase, and honestly, that's the only card I'm currently using...
#188 ·
🙏🙏🙏🙏🙏🙏🙏🙏🙏
The post right above yours lists which ones actually work online...
Bottom line, your best bet is a Microsoft debit card. No sign-up fees or monthly dues—just open a foreign currency account in whatever currency you need, load up some cash, and you're good to go. A Visa Electron from JPMorgan Chase WON'T WORK for online shopping. I've checked, and the ones from Goldman Sachs DO WORK from Goldman Sachs and Bank of America.
The post right above yours lists which ones actually work online...
Bottom line, your best bet is a Microsoft debit card. No sign-up fees or monthly dues—just open a foreign currency account in whatever currency you need, load up some cash, and you're good to go. A Visa Electron from JPMorgan Chase WON'T WORK for online shopping. I've checked, and the ones from Goldman Sachs DO WORK from Goldman Sachs and Bank of America.
#189 ·
Quick little heads-up/add-on: the Visa debit card at Bank of America is tied to a foreign currency account, and they charge about $6 a year just to keep that account open. It’s not like a huge deal, but I guess it's worth noting.
#190 ·
Alright, here’s the question I've been chewing on.
I know you can pull this off using a credit card, but I guess I'm wondering if it actually works with a debit card too?
I know you can pull this off using a credit card, but I guess I'm wondering if it actually works with a debit card too?
#191 ·
more
I typically make my purchases using a debit card from Bank of America
All you need to do is open a foreign currency account with your ID, receive your card, and you're set—PayPal, eBay, Amazon, everything works seamlessly
I typically make my purchases using a debit card from Bank of America
All you need to do is open a foreign currency account with your ID, receive your card, and you're set—PayPal, eBay, Amazon, everything works seamlessly
#192 ·
Are you serious? My Microsoft card from JPMorgan Chase keeps getting declined. I even checked with Goldman Sachs, and they told me the same thing—it just won't go through.
#193 ·
I honestly just wanted to say:
1) Using a JPMorgan Chase debit card? Yeah, probably not going to work. But Goldman Sachs should be fine—they have CVV codes and everything, right? 🤔 Unless I’ve completely messed up the setup on my end. 🤔
2) I’m planning on sitting down soon—though I'm currently buried in studying for some exams so I can't really commit to a timeline yet 😁—to finally organize all these intense discussions about credit cards. Right now, this whole thread is an absolute disaster zone.
1) Using a JPMorgan Chase debit card? Yeah, probably not going to work. But Goldman Sachs should be fine—they have CVV codes and everything, right? 🤔 Unless I’ve completely messed up the setup on my end. 🤔
2) I’m planning on sitting down soon—though I'm currently buried in studying for some exams so I can't really commit to a timeline yet 😁—to finally organize all these intense discussions about credit cards. Right now, this whole thread is an absolute disaster zone.
#194 ·
Nicole James said:Are you serious? My Microsoft card from JPMorgan Chase keeps getting declined. I even checked with Goldman Sachs, and they told me the same thing—it just won't go through.
Their cards just don't work online.
Goldman Sachs told me the same thing—it wouldn't work.
🙄 Hard to believe they're that clueless. I use my Visa with both PayPal and eBay without any issues. 😉
#195 ·
So, you're telling me the debit cards from Bank of America and Goldman Sachs aren't just solid for PayPal—they actually work for regular shopping too, just like someone using an American Express or a Visa Classic? That’s fantastic news! It turns out as long as you have a functional CVV, you're good to go—just go for it!🙂
#196 ·
So, I guess it works for some people and totally fails for others. Just my luck...
Does anyone actually know why that happens? I keep hearing something about a CVV number being the issue...
Maybe that’s where the catch is hiding?
Does anyone actually know why that happens? I keep hearing something about a CVV number being the issue...
Maybe that’s where the catch is hiding?
#197 ·
Nah, I guess JPMorgan Chase has started using CVVs too—you know, that three-digit number on the back—but it just doesn't work. Tested it myself.
#198 ·
Hey there.
I’m weighing my options on picking up a credit card for online shopping. It’ll be rare—really rare—but when the moment comes, I’d rather just handle it myself instead of having to bother someone else for help.
I’d probably go through the Federal Reserve since that’s where I keep my checking, savings, and everything else—plus, I've got a steady contract job lined up with them.
I’m trying to figure out what the deal is with opening an account, what the monthly fees look like if I actually use it, and if there's still a cost just for letting it sit there unused.
Thanks.
I’m weighing my options on picking up a credit card for online shopping. It’ll be rare—really rare—but when the moment comes, I’d rather just handle it myself instead of having to bother someone else for help.
I’d probably go through the Federal Reserve since that’s where I keep my checking, savings, and everything else—plus, I've got a steady contract job lined up with them.
I’m trying to figure out what the deal is with opening an account, what the monthly fees look like if I actually use it, and if there's still a cost just for letting it sit there unused.
Thanks.
#199 ·
William James3 said:Hey there.
I’m weighing my options on picking up a credit card for online shopping. It’ll be rare—really rare—but when the moment comes, I’d rather just handle it myself instead of having to bother someone else for help.
I’d probably go through the Federal Reserve since that’s where I keep my checking, savings, and everything else—plus, I've got a steady contract job lined up with them.
I’m trying to figure out what the deal is with opening an account, what the monthly fees look like if I actually use it, and if there's still a cost just for letting it sit there unused.
Thanks.
Look, if the Federal Reserve is even going to give a credit card to someone on a temporary contract, you should probably just ask them which card has the lowest annual fee and which one has the better interest rates or lower transaction fees. But honestly? I wouldn't rush into spending money on this. If you're just doing occasional online stuff, a regular Intel debit card tied to a foreign currency account works fine. Since you aren't buying things on the NET constantly, just open a foreign currency account, put some cash in it, use the CVV on the back, and you're good. There might be a thread somewhere here about "Cards with CVV numbers," so maybe check that out. Later!
#200 ·
Nicole James said:Are you serious? My Microsoft card from JPMorgan Chase keeps getting declined. I even checked with Goldman Sachs, and they told me the same thing—it just won't go through.
Oh yeah, sure it works... 😁
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