Ok, I was able to get a MC (Pathward/BHN) to work for $469 total. Thank you to Neo who let me on to this amount. I'm just going to use my Visa (Pathward/BHN) on prop taxes and call it a day and know to get MC if I want to be able to liquidate it, at least while it works. I don't know anything about the differences between MC and V in this context, perhaps someone in the industry knows, and perhaps it's user error for why I cannot get V to work ((if someone can confirm a V (Pathward/BHN) for $469 that would be great)). My chase card offers have also been flooded with regional grocers that sell these so I can cash out for 1.25x on my PYB with no fees.