Usable anywhere Mastercard's accepted, this "party card" works just like a debit card, but keeps things under control by not letting you overdraw, since it's preloaded by you for a set amount (up to $2500). It can also be loaded up by friends who owe you cash, and comes set up with "prewards", digital coupons honored by a growing list of national stores/restaurants that're auto-loaded monthly to your card, a less embarrassing way to save money than having grandma buy all your aquarium tickets.