Here is what I am doing:
- 1k/ month for now until the beginning of the year with beans purchased at RA
- use netspend card to purchase MO

per 1k spent:
- 3.95 VR activation x 2
- $2 debit fee
- $9.90/1k

You can offset the fees with the netspend referral conga, you will get $40 in referral bonuses. I am unsure of the bill pay. I was basically going to use this card to get the fees to be offset by the referral cash. of course you could just get the referral money and run...