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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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What is a flexible spending account (FSA) card or health savings account card (HSA)?

Answer:

Flexible spending accounts (FSAs) and health savings accounts (HSAs) let you set aside pre-tax money, sometimes directly from your paycheck, to pay for eligible medical expenses. Guard this card carefully as you may not have the same rights to get your money back if it is stolen as you do with your bank or credit union debit card. 

Your employer may offer an FSA or an HSA as a separate account to pay for eligible medical expenses. The accounts may be linked to a card. The rules on what type of spending is allowed for these accounts also apply to the use of the card.

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