7-Eleven Prepaid Card Review – Is It Right For You?

The 7-Eleven Prepaid Card is one of the newest prepaid cards on the market. It comes with multiple options to add money to your card. In addition, fees are low and you can reload money at 7-Eleven locations and get cash from your card for a small fee. Here’s our complete 7-Eleven Prepaid Card Review.

Table of Contents:

  • What is 7-Eleven Prepaid Card?
  • Best Features of the 7-Eleven Prepaid Card
  • Ways to Reload Your Card
  • 7-Eleven Prepaid Card List of Fees
  • Our 7-Eleven Prepaid Card Review:
  • 7-Eleven Prepaid Card FAQs

"7-Eleven Prepaid Card Review"

What is 7-Eleven Prepaid Card?

The 7-Eleven Prepaid Card, also known as Trans@ct by 7-Eleven Prepaid Mastercard, is a reloadable prepaid card offered by 7-Eleven.

Best Features of the 7-Eleven Prepaid Card?

The Trans@ct card provides various benefits and features for its users, including:

It’s Reloadable

The Trans@ct Prepaid Card enables you to load money at any 7-Eleven register.

Once you spend it, you can simply reload it again, making it an excellent tool for managing your expenses.

Free ATM Withdrawals

Forget about those annoying ATM fees.

With the Trans@ct card, you can withdraw cash fee-free at participating 7-Eleven locations.

Versatility in Shopping

The Trans@ct prepaid card, a Debit Mastercard, allows you to shop in stores, online, or even over the phone anywhere Debit Mastercard is accepted.

Bill Pay and Mobile Check Load

You can easily pay your bills in-store, online at www.transact711.com, or using the Trans@ct Mobile App.

Plus, the Mobile Check Load feature enables you to load funds to your card account using your smartphone’s camera.

Get Paid Faster

Have your paycheck or government benefits directly deposited to the card and access your funds up to 2 days faster.

Access Your Money Anywhere

Use the Trans@ct Mobile App, Anytime Alerts™, and Online Account Center to access your account information from wherever you are, whenever you want.

Send Money to Family & Friends

With the ability to add another person to your Prepaid Card Account, you can share funds with a secondary cardholder.

Convenient Reload Locations & Free ATMs

Managed by Netspend, the Trans@ct card provides access to the Netspend Reload Network with 13,000 locations, along with free ATM withdrawals through the Allpoint network’s 55,000 ATMs nationwide, including those in 7-Eleven stores.

Loyalty Rewards

The 7Rewards program, combined with Trans@ct card usage, enables you to earn points that can be redeemed for 7-Eleven merchandise.

Regular use of your Trans@ct card not only helps you earn more points but also potentially waives certain fees.

Real-Time Alerts

You can set up text alerts to get instant notifications of low balance alerts or for every transaction made on your card, boosting your financial security.

The Trans@ct Prepaid Card is not just another debit card; it’s a way to make your financial life simpler, more convenient, and even rewarding.

So, what are you waiting for? Grab your Trans@ct card at your nearest 7-Eleven and start transacting your way today!

"7-Eleven Prepaid Card"

Ways to Reload Your 7-Eleven Prepaid Card

Here are the several ways you can add money to your 7-Eleven Prepaid:

To use the prepaid card, just load money at the register at any 7-Eleven.

If you want to reload the card, simply visit the register again at 7-Eleven.

To locate a 7-Eleven store near you, click here.

Download the 7-Eleven Transact Prepaid Mobile App

The 7-Eleven Transact Prepaid Card comes with a mobile app for both Android and iPhone users.

Here’s how to download the app:

Download the app for iPhone.

Alternatively, Download the app for Android.

"Download the 7-Eleven Transact Prepaid Mobile App"

7-Eleven Prepaid Card List of Fees

Here are the 7-Eleven Prepaid Card fees you should know about:

Getting Started

  • Card Purchase Fee: $0

Plan Fee Options

  • Pay-As-You-Go Plan: $0
  • Monthly Plan: $5.00

Per Purchase

  • Signature Purchase Transaction Fee (Pay-As-You-Go): $1.00
  • PIN Purchase Transaction Fee (Pay-As-You-Go): $2.00
  • Both are $0 in the Monthly Plan.

Spending Money

  • ACH Payments: $0

Checking your Balance

  • Customer Service: $0
  • ATM Balance Inquiry Fee (Domestic): $0.50
  • Online Account Center: $0
  • Alerts (Email or Text Message): $0

Withdrawing Cash

  • OTC Withdrawal Fee at a Financial Institution: $2.50
  • OTC Withdrawal Fee at a Netspend Reload Network Location: Up to 2.75% of the withdrawal amount or $4.00
  • ATM Withdrawal Fee – Domestic (in-network): $0
  • ATM Withdrawal Fee – Domestic (out of network): $2.50

Adding Money to your Card Account

  • Direct Deposit (ACH Deposit): $0
  • Cash Reload at a Netspend Reload Network Location: Up to $3.95
  • Mobile Check Load Fee – Standard: $0
  • Mobile Check Load Fee – Expedited (Government and Payroll Checks with a Pre-printed Signature): Greater of 2.0% of total check amount or $5.00
  • Mobile Check Load Fee – Expedited (All Other Accepted Check Types): Greater of 5.0% of total check amount or $5.00

Transferring Money to and from your Card Account

  • Western Union Money Transfer® Fee: Varies
  • Account-to-Account Transfer Fee via Website: $0
  • Account-to-Account Transfer Fee via CS Agent: $4.95
  • Me-to-Me Transfer – Inbound: $0
  • Me-to-Me Transfer – Outbound: $3.00

Using Your Card Outside the U.S.

  • Foreign Transaction Surcharge: 3.5%
  • ATM Withdrawal Fee – International: $4.95
  • ATM Balance Inquiry Fee – International: $0.50
  • ATM Transaction Decline Fee – International: $1.00

Transaction Declines

  • ATM Transaction Decline Fee – Domestic: $1.00
  • ACH/Preauthorized Payment Transaction Decline Fee: $0

Add or Replace a Card

  • Additional Card Fee: $9.95
  • Replacement Card Fee: $9.95
  • Custom Card Fee: $4.95
  • Card Delivery Fee – 7-10 Business Days: $0
  • Card Delivery Fee – 3 Business Days: $20.00
  • Card Delivery Fee – 1-2 Business Days: $25.00


  • Additional Statement Mailing Fee: $5.95
  • Stop Payment Fee: $10.00
  • Check Request Fee: $5.95
  • Inactivity Fee: $5.95 (applies after 90 days of inactivity if there are funds in the account).

Remember, you can change your plan at any time by calling 1-844-711-4711 or by visiting www.transact711.com.

7-Eleven Prepaid Card Review

Here are our thoughts on the 7-Eleven Prepaid – the pros, the cons, and the feature we like best.

What We Like

  • No fee for initial card request
  • Multiple plan fee options to suit individual preferences
  • No fee for balance inquiries via customer service or the online account center
  • No fee for ATM balance inquiries at 7-Eleven store locations
  • No fee for ACH payments
  • No fee for direct deposits (ACH deposits)
  • No fee for adding money to the card via direct deposit or cash reload at Netspend Reload Network locations
  • No fee for ATM withdrawals at 7-Eleven store locations with Allpoint or Trans@ct Network ATMs
  • Customizable card design available for a fee of $4.95
  • FDIC insurance eligibility for funds held in the card account
  • No overdraft/credit feature

What Could Be Better

  • The monthly plan fee of $5.00 may be a drawback for users who prefer a pay-as-you-go option
  • Transaction fees for signature and PIN purchase transactions under the pay-as-you-go plan
  • Fees associated with some services, such as ATM withdrawals at non-network ATMs, over-the-counter cash withdrawals, cash reload at Netspend Reload Network locations and international transactions
  • Inactivity fee of $5.95 per month if there is no activity on the card account for 90 days
  • Additional fees for services like additional cards, replacement cards, custom cards, expedited card delivery, and statement mailing
  • Limitations on maximum amounts and frequencies for certain transactions (e.g., ATM withdrawals, value loads)
  • Foreign transaction surcharge of 3.5% for international transactions

7-Eleven Prepaid Card FAQs

Here are the most frequently asked questions about the 7-Eleven Prepaid

What is a 7-Eleven Transact Prepaid Card?

It’s a reloadable prepaid card from 7-Eleven that allows for shopping, bill payments, and cash withdrawal without needing a bank account.

How Do I Load Money onto My 7-Eleven Transact Prepaid Card?

Funds can be loaded at any participating 7-Eleven store, via direct deposit, or bank transfer.

Can I Use the 7-Eleven Transact Prepaid Card to Withdraw Cash?

Yes, you can use your card to withdraw cash at ATMs that accept MasterCard, with possible fees after a certain number of withdrawals

Are there any Fees Associated with the 7-Eleven Transact Prepaid Card?

The card has certain fees including a monthly maintenance fee, ATM withdrawal fees, and reload fees, while actions like direct deposit or making purchases are usually free.

How Can I Check My Balance on the 7-Eleven Transact Prepaid Card?

You can check your balance online on the Transact website, using the Transact mobile app, or by calling the number on the back of your card.

Is the 7-Eleven Transact Prepaid Card Safe to Use?

Yes, the card uses encryption and fraud monitoring, and your risk is limited to the money on the card if it gets lost or stolen.

Can I Use My 7-Eleven Transact Prepaid Card Internationally?

Yes, the card can be used for international purchases, but foreign transaction fees may apply.

7-Eleven Prepaid Card Review Summary

We hope this post on the 7-Eleven Prepaid Review was helpful.

If you have further questions about the 7-Eleven Prepaid, please let us know in the comments section below.

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