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XE Money Transfer
XE Money Transfer 49 reviews
Minimum Transfer $0
Transfer Speed (days) 1 day
Processing Fee Range ($) N/A
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Final Review

Final is a modern credit card service that lets you create virtual Visa credit cards, which can be locked to a specific merchant, enabled for one-time use or designed for recurring payments. Virtual cards can be controlled in real time from your phone and there's also a physical Visa card, which is an EMV card for maximum security.

What Are Final’s Fees?

Final’s fee structure is similar to traditional credit cards.

- There’s an annual $49 fee for being an account owner, but this fee is waived the first year.

- International transactions have a fee of 2.5%.

- Other fees include an 18.25% APR, a $0.50 minimum interest charge, a $35 late payment fee and a $35 returned payment fee.

How Fast Are Final Transactions Processed?

Transactions made using Final are processed immediately and real-time receipts are pushed instantly to your phone.

Final's Backstory

Launched in 2014, Final was co-founded by Aaron Frank and Matt Rothstein who had each experienced having a credit card deactivated, without notice, due to security breaches by third-party merchants. Aaron was on a backpacking trip in Europe and Matt was simply trying to buy a sandwich in California; neither of them wanted to wait for weeks to be mailed a new card. After those experiences, they had a deep desire to rebuild the credit card system to give consumers more power. The Final Card is issued by First Bank & Trust and is reserved for those who have good to excellent credit backgrounds.

Who Can Benefit From Final?

Final is designed for credit card users who want to avoid the hassles normally associated with security breaches, card misplacement or identity theft. Final cardholders can electronically create and cancel virtual cards, which keeps the whole process secure and streamlined. Cardholders get real-time receipts sent to their phone and 1% cash back on all purchases.

What Are The Advantages and Disadvantages Of Final?

This is what we love about Final:

- Cardholders can create virtual cards for one-time, merchant-locked or recurring use.

- Account holders earn 1% cash back on all purchases.

- Members can enable autopay services to avoid late payment fees.

- The annual fee is waived the first year.

What We do not Like About Final:

- There’s an annual fee.

- At present, Final is only available to U.S. residents.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday Closed
  • Monday Closed
  • Tuesday Closed
  • Wednesday Closed
  • Thursday Closed
  • Friday Closed
  • Saturday Closed

About Final

Feature Breakdown

Foreign Currency Transaction Fee 2.5%
Transfer Speed 1 day
Transfer Methods
  • Personal
  • Bank

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