My wife and I have a weird case we're trying to address. We set aside a monthly allowance for ourselves to cover personal expenses like gaming, eating out, etc. Individual accounts. We have 2 extra bank accounts tied to our main account for this. This system has worked well in allowing us to save and to keep within our budget overall. The problem is that there are some things (iTunes, Kindle) that have to come off of 1 account. Finding a way to manage this when we're both randomly making purchases on that account has proved to be a huge hassle. It seems like their should be a prepaid Card at this point that would allow us to shift our online purchases to that. Basically we want something we can transfer funds to so that these joint purchases can be made from an account that each of us can add money to. We looked into Bluebird, but they charge $2 every time you transfer from your bank. This is sub-optimal, obviously, because we're talking about using this for small purchases and that fee destroys the value. Is there any card that does what we're seeking?
- Can be used as a credit card for online purchases
- Can be reloaded from different bank accounts without high fees
I wouldn't even mind if there was a monthly fee, honestly. I would pay someone for this service to help us save money. But I'm not finding a card that suits our needs outside of creating yet another account with our bank. Any help / advice would be greatly appreciated.