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If I were to get another bank's card and then we wanted to go on a trip together, wouldn't she want to use her card to book and I cuange to use my card to book. You can use your prepaid credit card anywhere, which gives you the same freedom you would enjoy with a traditional My Green Dot or cash. The APR on this card is less than that of other secured cardsвwhich typically hover between 24 percent up to 36 percent. It is important to consider Annual Percentage Rate and the credit line limits before you get swayed by the other incentives and rewards. You also wonвt need to have a bank account for this credit card. Cos 50 more Membership Rewards points. 2 cents, while merchandise is only 0.