In comparison to other prepaid credit cards VIABUY provides you with an online account that has a personal IBAN assigned to it.Use this IBAN to load your card free of charge - or let others send funds to your account, for example your employer, friends or relatives.

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The company found that the online adult-content industry has "an unacceptably high level of customer disputes," according to Chao.

This raises administrative costs for American Express to deal with these disputes.

The company doesn't allow its cardholders to purchase online pornography, even though it's federally legal, says Chao.

According to the company spokeswoman, the policy has been in place since 2000.

With a cash advance, you incur those charges plus immediately start accruing interest charges on the cash advance.

The average cash advance annual percentage rate runs between 18 percent and 20 percent, according to Bankrate's weekly survey of interest rates. You can't use your American Express or Discover card to get the chance.

Both companies prohibit cardholders from buying lottery tickets with their credit cards.