Benefits Debit Card Overview

Benefits Debit Card Overview

If you have a Flexible Spending Account (FSA), Health Savings Account (HSA), Transit/Commuter account (or other benefit account), you may be able to sign up for a benefits debit card. Learn more below.

What is a Benefits Debit Card?

A benefits debit card links to your employer-sponsored account so you can pay for out-of-pocket expenses. Most cards are powered by Mastercard® or Visa, so they can be used just about everywhere. A benefits debit card can link to the following:

A benefits card can link to an FSA, DCAP, HRA, HSA, or Transit account.


A benefits debit card links directly to your FSA, HSA, etc. account. When you make a qualified purchase at an approved location, you swipe the card and the transaction is complete. It saves you time because you don’t have to pay with cash or other payment method, and then file a claim for reimbursement.

Remember to always keep your receipts! Your administrator may need them to verify your purchase.

How to Enroll

During open enrollment, your HR department or benefits administrator should tell you if your benefits come with a card. It depends on your employer’s plan. If you have further questions or are unsure, be sure to contact them.

If your plan doesn't use a debit card, you’ll have to pay those medical expenses up front and then file the claim paperwork afterwards.

Card Security and Peace of Mind

Your card is equipped with a Merchant Category Code (MCC) and inventory information approval system (IIAS). These security features help reduce the chance of benefits fraud and protect your money. Learn more about these MCC and IIAS.

In order to use the card, you have to be at an approved location. These include pharmacies, grocery stores, doctor’s offices, bus station, and other locations. Second, the item or service purchased must meet IRS eligibility. You don't have to worry that your benefit dollars will be spent at a movie theater or to fill up someone's tank.

For more information on debit cards and if your plan is eligible, contact your HR or benefits administrator.


Benefits Debit Card Overview

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