Prepaid phone cards can be convenient and even save money. But not all prepaid cards are good deals. Here's what to look for:
Look for cards that display rate information, expiration date, and a toll-free customer service number. Some states require the card, its packaging or a retail display to clearly disclose rate information, including per call surcharges or minimums. Make sure to read the fine print – which could be printed on the packaging under the card.
Decipher the disclosures. Extremely low per minute rates may signal hidden costs, such as a hefty per call minimum charge or other fees and surcharges.
Rates may vary, depending on where you call. This is almost always the case with international rates, as there is wide variation in phone charges among countries. In most cases, the card uses up more money per minute. A call to Europe may cost 24 cents a minute versus a domestic call that is 3 cents a minute.
Get a "rechargeable" card. These cards allow users to buy more minutes and add them to the card's balance. This way, you won't throw away those last unused minutes.
Make sure you understand the card's instructions for use. Trial and error when making calls will burn up valuable time on the card.
Check the expiration date on the card. Cards often expire from 6 months to 1 year after the first activation, unless "recharged". Don't buy high dollar cards if you don't think you'll use all the minutes before they expire.
Expect to pay a surcharge of at least 50 cents on each call from a pay phone. This is a fee authorized by federal regulators that reimburses the owner of the pay phone for use of its equipment
