Neither. Both the Go Rewards Prepaid Virtual and Go Rewards Prepaid Card are NOT credit cards but they function similar to one. You must load money into them before you can use them for purchases in VISA affiliated merchants**.
They are also NOT deposited accounts hence, do not earn interest and the funds therein are not insured with the Philippine Deposit Insurance Corporation.
However, both cards are subject to the applicable rules and regulations of the Bangko Sentral ng Pilipinas (BSP) and the Anti-Money Laundering Act (AMLA).
**Go Rewards Prepaid Card can be used for both online and Visa-accredited stores.
**Go Rewards Prepaid Virtual can be used for online Visa transactions only.