Is this a business opportunity?

No, THAT Card FriendSpend Rewards Program is not a business opportunity. Instead, it is simply an incentive that you may or may not choose to be involved in. Further, there is not an investment being made by you or any Cardholder. There is a one-time initial cost of $0.00 or $3.99 (new enrollment fee of $3.99 is waived if you load $20 during enrollment) to obtain THAT Card and a monthly service fee of $4.99 to maintain the card (waived if $750.00 or more of non-PIN purchases are made with your card during the previous month), and these fees are well within the industry standards for prepaid cards. For a full schedule of fees pertaining to THAT Card, please see the full fee schedule in the Cardholder Agreement. For more information regarding fee practices in the prepaid industry please see this report published by Consumer Reports.