FSA with Benefits Card

Your Benefits Card* lets you pay for eligible health care FSA expenses directly—no need to wait for reimbursement. Just swipe your card, pay online, or use your digital wallet for fast, convenient access to your FSA fundsd.

Getting Your Card

If your FSA includes a Benefits Card, it will be mailed to you automatically when you enroll. You’ll receive an email notification when it’s on the way. There's no need to activate it. Your card is ready to use the first time you swipe.

Need additional cards for dependents? You can request up to five at no cost through the EBCentral app.

Watch the Additional Benefits Card video to learn more about ordering additional card.

Using Your Card

You can use your Benefits Card in person, online, or where Apple Pay®, Google Pay, and Samsung Pay are accepted. Digital wallet functionality is available to primary cardholders only.

Your card can be used at a wide range of retailers that support eligible FSA purchases. Many merchants automatically verify purchases at checkout—if your transaction is approved, no further action is needed. If not, you may be asked to submit documentation.

Want to explore where you can shop online with your FSA? Visit our Where to Shop page.

Documentation Requests

If a purchase isn’t automatically verified, we’ll let you know.

  • EBCentral app users receive a real-time push notification right after the card is used. Tap the alert to upload a photo of your receipt or other documentation directly in the app. EBCentral instantly reviews your image and lets you know if additional details are needed—so you can fix any issues before submitting.
  • Online account users receive an email with the transaction details and a prompt to upload documentation from their dashboard.

Your purchase documentation needs to include an itemized statement of charges from the provider or an Explanation of Benefits (EOB) from your insurance carrier. It must include:

  • Date(s) of service(s)
  • Type of expense
  • Amount of the expense incurred
  • Name of service provider

Benefits Card Pro Tip

  • Always save itemized receipts for your Benefits Card purchases.
  • Enable notifications in EBCentral to stay informed and respond quickly.
  • Don’t submit documentation unless requested. We’ll let you know if it’s needed.

Declined Benefits Card Transactions

If you use your Benefits Card and the transaction is declined, it may be for one of the following reasons:

  • The merchant does not accept the Benefits Card.
  • Your purchase is not an eligible expense.
  • Your Benefits Card is temporarily suspended because your prior transactions require documentation that you haven’t yet submitted.

Report a Card Lost or Stolen

If your card goes missing, you can lock your card in your mobile app, EBCentral, to prevent any unwanted purchases.

  1. Log in to EBCentral.
  2. From the dashboard, select Lock Card.
  3. When you find your card, you can unlock it by selecting Unlock.

If you can’t find your card or it was stolen, you can replace your card in EBCentral and have a new card mailed to you.

  1. Log in to EBCentral, go to the main menu.
  2. From the dashboard, select Replace.
  3. Verify we have the correct address on file and select Replace

Your card will be immediately closed, and a replacement card will be sent. Replacement cards may take up to 10 business days to arrive.

For more information about lost or stolen Benefits Card, watch our Lost or Stolen Benefits Card Video.

*Some employers may choose not to offer a Benefits Card. Refer to your My Company Plan for details about your specific plan.