In the activation process, you can instantly setup a virtual prepaid debit card and use it as a funding source for Amazon, PayPal, Venmo, ApplePay, Samsung Pay, and pay bills with the funds on your mobile wallet. You can also activate a personalized debit card card which will be mailed to you within 7-10 days. All of this is FREE and all funds on your mobile wallet account pays out 0.00% APR.