I'm trying to figure out which Visa card is the best that has the lesser minimal fee to re-load the card for spending in assisted living. Money is an issue so I'd like to not have a large fee each time I have to re-load the card. Also, does anyone have problems when the loved one goes to use the card? I'm worried about forgetting pin numbers, not having enough money loaded into the card when charging, losing the card, etc.... Any input/advice is greatly appreciated, thanks!