This only works for new accounts. Using my referral link, we both receive $35 after your account is approved (almost automatic. Only took 2 minutes for me ) and you spend $20 using your account. After you're approved, you can load money onto your account and use it however you normally would with any other debit card. Whether it's online shopping or just using your phone to pay. It only takes about five business days to receive your physical card.