Reloadable debit cards allow you to add money to your card's balance periodically, which you then can spend as needed. reloadable, or prepaid, debit card is not the same as a debit card that's linked to your bank account. Many reloadable debit cards have consumer protections in case your card is lost or stolen and used to make unauthorized charges Benefits of Using a Reloadable Debit Card There are several reasons someone might choose to use.... a reloadable debit card. The first is the convenience. For example, reloadable debit cards make it easier for a person who is currently unbanked or underbanked to conduct everyday transactions without carrying around a lot of cash. A prepaid card could also be a good fit for someone who needs help with overspending or learning how to keep track of their spending. For example, if you're a parent, then a teen debit card could be a helpful teaching tool to get kids used to tracking their expenses.