I wasted my time building a card to be told only at the very end that I had to pay $18 to do anything with it. I saw the "$1.50 per month" thing and thought, OK, thats fair, $1.50 per card. NOPE. They will only bill you $18 for an annual subscription, There is no "monthly" charge or fee, They LIE LIE LIE and try to scam people after they've spent their time, figuring they will sucker enough people... STAY FAR AWAY! (like every other review here says! Go figure!)