MyVanilla and OneVanilla cards basically work like prepaid debit cards. While in the USA, these two cards help in managing your money safely. Be it for shopping, in restaurants, or any other place where debit cards are accepted, you can use both MyVanilla and OneVanilla cards. Availing the cards is an easy job and no paperwork is required. Both the cards come with attractive features and are highly convenient. After gaining a little idea about both the cards, you might wonder if there is any difference between MyVanilla and OneVanilla and which one might be a better choice based on your requirements. Below laid out are a few points to help you decide which is a better choice for you.

MyVanilla or OneVanilla?

MyVanilla is reloadable but OneVanilla is not

MyVanilla allows you to make direct deposits enabling you to automatically load all your payroll, government benefits and tax returns onto the card with ease. You can add funds easily through two means.

  • Rapid Reload: It is easy to load your MyVanilla at Walmart or other participating stores.
  • VanillaDirect Load: This enables you to add cash to your card quickly. Multiple retailers provide the VanillaDirect load facility.

You can transfer money from a bank account or from one MyVanilla card account to another by visiting MyVanilla website. The customer care service of MyVanilla can help you with the process. However, the OneVanilla card is neither reloadable nor refundable. You can not share the funds from OneVanilla to another card as well.

MyVanilla is accepted at ATMs but OneVanilla is not

Both the cards can be used at any location that accepts payments through Visa debit card or Debit MasterCard. They can be used as a debit card for daily transactions. You can also pay bills online using these cards safely and conveniently. When shopping online, you are required to enter the card information in the payment field. As your personal information is not associated with the card, you can utilize your email address while shopping to ensure that the merchant can contact in case any problem arises.

However, OneVanilla does not provide service at ATMs. This is where MyVanilla becomes more useful than Onevanilla. MyVanilla allows you to access funds at millions of ATMs across the world, enabling you to access fast cash with ease. You can also use any MoneyPass Network ATM without having to pay any surcharge fee on the transaction.

MyVanilla offers easier access than OneVanilla

MyVanilla empowers you with a free mobile app enabling you to manage all your funds remotely, check card balances, find Vanilla Reload Locations and view transactions with ease. You can add your MyVanilla card to your mobile wallet app and pay for all the purchases through smartphones, tablets or smartwatches.

On the other hand, OneVanilla does not have any dedicated mobile app.
Get both cards easily

This is where both cards get the same score. Anyone can easily purchase MyVanilla and OneVanilla cards from various retailers at different locations across the United States. The list includes easily accessible retailers such as Walgreens, Seven-Eleven, CVS Pharmacy, Dollar General, Walmart, Family Dollar, Cumberland, Duane Reade, Associated Food Stores, Sheetz, Food City and many more stores spread out across the nation.

Final verdict

MyVanilla is a simple and easily reloadable prepaid card that can help you with your everyday transactions in the USA. The OneVanilla card does the same job. None of these two requires any bank account or credit checks and there is no tedious paperwork to fill out. These cards are mainly suitable for prepaid card users who make only a few purchases in a month. Moreover, if you want to keep reloading your card and require ATM services, go for the MyVanilla card since OneVanilla cards offer neither facility.