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This disclaimer language is needed on all pieces of marketing, including each page of this website that mentions, shows or speaks of the prepaid card or card program. Additionally, the merchant must make it clear at the point of sale (whether in store or online) that there is a surcharge. The standard variable APR for purchases is % and also applies to balance transfers and Citi Flex Plan. Credit, Debit, Prepaid, and Gift Cards - learn which card is right for you. You can also generate bulk Visa credit card. … If you think you are going to have to pay late, call us at (866) 893-7867 … The take care® Flex Benefits Card is issued by the Bancorp Bank pursuant to a license from Visa U.S.A. Inc. Bancorp Bank; Member FDIC. It's your one-stop destination for doing business with Visa. 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