I'm not really sure why Dave is so highly rated, I assume it is for the advances as that seems to work properly. If you get the spending card, be prepared for them to authorize an extra 20% on top of the actual price charged by the company. For example, if you have an order with Doordarsh that costs $35, expect Dave to actually charge you $42, then tell you the extra 20% will be returned back to your account in up to 30 days. My advice: do not use the spending account.