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How to cash in a prepaid credit card easily

If you are like most people, you have more than likely received a prepaid credit card in the mail as a reward for purchasing a certain item, or as a rebate, etc. Recently we moved into a new house so I took advantage of Home Depot’s Labor Day savings on buying paint where they give you back quite a bit of cash for each 5-gallon, 3-gallon, and 1-gallon buckets of paint you buy. We ended up buying a lot of paint because we repainted the entire inside of the house; every room, bathroom, and living area was repainted.

We had three different transactions, so that meant Home Depot would be sending us three different prepaid credit cards, all worth a different amount. The thing that sucks, though, about prepaid credit cards, is that in America, tax is exclusive of the price shown at the shelf. That means when you get to the front of the store, your product price isn’t going to be a flat amount…it’s going to have a tax added to it, which is going to raise it by a dollar or two. When am I ever going to find something worth exactly $45, or however much the card is worth?

The way I found to handle this situation is by reloading my balance. They will accept all major forms of credit card providers and you can even enter a custom amount to reload. I use Amazon religiously and have at least a box or six coming in every week. Cashing my prepaid cards into my balance was a no-brainer, as it allowed me to get rid of the plastic and apply the balance to something I’m actually going to be able to take advantage of.

To cash them in, head over to and follow these steps:

  1. Choose either $50, $100, $200, $500, or enter a custom amount at the end. This amount is going to be what you have available on your card.
  2. Edit the Payment Method and choose to add a new credit card to your account.
  3. Enter the details for your prepaid credit card with your billing address, etc.
  4. Check out like you would with any other card.

I recently earned a $10 MasterCard prepaid card and reloaded it in Amazon. As you’ll see in the following screenshot, I ended up with exactly $10 in my Amazon Gift Card balance.

Before you hit the stores looking to spend your prepaid cards and leaving change out there for computers to just write-off and companies to not have to pay out, use the Reload Your Balance feature to get every bit of what is owed back to you!

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