If you are looking for a prepaid credit card, the Vanilla Visa card is an excellent choice. While the card does not offer rewards and cannot boost your credit score, the Vanilla Visa card is still helpful in situations in which you may not want to use a traditional credit card. Similarly, it can be a great option for children who do not yet qualify for debit cards because anyone can purchase a Vanilla card.

On the downside, the Vanilla Visa is not reloadable. So in order to know how much the cashier should charge to your Vanilla Visa card, you will need to keep a close eye on your balance. Fortunately, it is easier than you might assume to check how much money is remaining on the card.  Plus, you can check your balance in a variety of different options. 

Why should I check my Vanilla Visa balance?

Unfortunately, non-reloadable prepaid credit cards like the Vanilla Visa can be difficult to use when funds run low. Since a transaction will be declined if the card does not have enough money left on it, it is important to keep a vigilant eye on your balance.

Once the funds dip too low to reasonably use in a single purchase, the best option is to buy another Vanilla prepaid card or use a backup method of payment to cover the difference. To ensure a successful transaction with a prepaid card, users should always make sure there are adequate funds on the card

Checking your Vanilla Visa balance online

Regardless of whether you have a Vanilla Visa or Vanilla Mastercard, you can easily check your balance online. Simply head to the Vanilla website and enter your prepaid credit card details. You will need to enter your card number, expiration date, and CVV which is the 3-digit number on the back of the card. At that point, you will be taken to a portal that will display your balance.

Read more about How to Live Without a Credit Card in Canada.

Checking your Vanilla Visa balance by telephone

In order to verify the remaining balance of your Vanilla Visa card, contact the Vanilla customer service line at 1-(844)-864-6951. You will be prompted to enter the prepaid card details, such as the card number, CVV code, and expiration date. This step is necessary for authentication, granting you access to the balance information.

If you have any trouble verifying the details of your card, a customer service representative can assist you further. With the correct details, you will be able to immediately receive the balance information for your Vanilla Visa card.

Keeping your Vanilla Visa card secure

Since you do not need to create an account or set a password before using your Vanilla Visa card, anyone with access to the physical card can check its balance online or via telephone. Then, they can make a purchase that will empty the card of all its funds. To protect against unauthorized purchases, be sure to store your card in a safe place. 

We also recommend that you write down the card number, expiration date, and card verification value (CVV) so that you can ask customer service for a replacement in the event that your card is stolen. Just be sure to also store this information somewhere safe.

Keep in mind that Vanilla Visa cards do not come with the same fraud protection that most standard credit cards do, so there is no guarantee that customer service will provide you with a new card. If they do, it is merely a courtesy. Although it is always worth a try to get your money back. 

Read more about Five Prepaid Card Pro-Tips to Manage Your Finances According to Your Money Personality.

Transferring your Vanilla Visa balance to a new card

Like a normal credit card, your Vanilla Visa card has an expiry date. However, since the card has pre-loaded funds, there is a chance that the card itself will expire before you get a chance to use the entire balance.

Fortunately, you can request that the funds be transferred to a new card with a later expiry date. If you find yourself in a situation where your Vanilla Visa card is expiring or has already, you can call Vanilla at 1-(844)-864-6951 or dial the number on the back of your card. The customer service representatives should be able to send you a new card that will be pre-loaded with any leftover funds.

To avoid accidentally losing the money on your prepaid credit card, we recommend spending your Vanilla Visa balance as quickly as possible. If you end up taking longer to spend the card’s funds, you should keep an eye on your card’s expiry date.

Once you are several weeks away from the date, either call customer service for a replacement or make it a point to spend the remaining balance. That way, you will not lose out on your money. And in the event that you need to request a new card, you will have plenty of time to do so.

Read more about The 5 Best Prepaid Visa Cards in Canada.

The best Vanilla Visa alternatives

If the Vanilla Visa isn't the right prepaid card for your needs, check out these great alternatives. The following prepaid cards offer more flexibility, better features, and cash back rewards. Plus, you can check your balance at the tap of a button and top it up through a handy mobile app, no customer service calls required!

KOHO Prepaid Mastercard

Get $20 with code HARDBACON
KOHO Mastercard® Prepaid Credit Card
  • KOHO is a full-service app and reloadable prepaid credit card with no hidden fees.
  • Get $20 when you sign up for a free KOHO account with code HARDBACON and make your first purchase*.
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The KOHO Prepaid Mastercard is a complimentary payment card you receive when you open a deposit account with KOHO. There is no credit check or minimum income to get this card, the available funds are equal to the balance in your account. You can spend and reload your KOHO card as often as you want and it's accepted everywhere that Mastercard is accepted – online, in-store, and abroad.

The mobile app gives you quick access to your card balance as well as spending and savings insights. When you run low on funds, you can quickly reload the card by adding funds to your account through eTransfer, a Mastercard or Visa debit or direct deposit.

The free Easy Plan offers 1% cash back on groceries, bills, and services and every dollar in your account earns bank-beating 0.5% interest until the moment it's spent. You can upgrade your account to a paid subscription plan if you want higher cash back, more cash back categories, higher deposit interest, and other advanced features.

EQ Bank Card

EQ Bank Card
  • No fees
  • Earn 2.5% interest on all your money
  • Get 0.5% cash back on all your purchases

Open a Savings Plus Account to get your free EQ Bank Card.

Open an Account

The EQ Bank Card is a prepaid reloadable Mastercard you can request for free when you open or have an EQ Bank account. Because it is a prepaid card, there is no credit check or income requirements to get this card. It can be used anywhere Mastercard is accepted for in-store and online purchases, as well as spending abroad.

You can spend and reload your card as many times as you want, and you can check your balance quickly and easily through the mobile app. To load your card, simply move money from your EQ Bank account to your EQ Card. You can withdraw money for free from Canadian ATMs, and EQ will even reimburse you for any network fees. Plus, there are no foreign transaction fees for purchases in other currencies.

Eligible card purchases earn 0.5% cash back, and the balance in your EQ accounts – including the card account – earns 2.50% interest. That's about 250x more interest than traditional banks.

Neo Money Card

The Neo Card is a free prepaid Mastercard that comes with your Neo Money account. There is no minimum income or credit score required to get it, and it's accepted everywhere Mastercard is accepted. You can use it instore, online, and abroad just like a regular credit card.

The card is linked directly to your Neo Money accounts, so the card balance is determined by the balance of your account. You can spend and reload the card as often as you want by depositing money to your account. From the mobile app, you can quickly see your balance, transaction history, and spending insights. You can also use the card to withdraw cash from ATMs.

The Neo Money Card guarantees a minimum cash back rate 0.5% on card purchases, but most users earn an average of 5% cash back. You can also earn up to 15% cash back for every first purchase you make at a Neo partner retailer. The money in your account earns 2.25% on every dollar until you spend it.

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