The card is a normal VISA card wich you can use like any normal bank card .. benefit is that you can instantly transfer / exchange bitcoins in your chosen curency and the funds are instantly available to spend with your card if you wish. You don't need a PAYPAL account , but i linked this VISA card to mine , that way i can add/ withdraw funds through paypal as well .. or pay for items online ( ebay .. etc ). with paypal FUNDED by this card. Sweet