Yeah there is but isn't much or hardly noticeable unless your using ATMs. Plus now Paypal has included them into their transactions has been an incredible boon.
I use a reloadable Visa also, and for the same reason pretty much as you... for better protection. I was hit by the Home Depot security breach on my main business account as a result of buying supplies there, and while my bank took care of it with no issue it was a PIA to have my account locked for 4 days while the investigation took place and funds returned to my account. It got me to thinking a bit more about securely buying from not only dubious sources, but from legit sources as well. I still use my main business debit card for local business transactions, although I have put a fairly small daily limit on it as a result of the breach (and yes I should probably have done that from the start), but that incident certainly got me thinking and I decided to use a reloadable Visa for my personal vape purchases and it has worked out quite well.
Yes Retird, there is a monthly fee of 3.95 for maintaining the card, and also a 3.50 fee for each reload of funds. So there is cost associated with it. For me the small amount is well worth the peace of mind. But the best thing about it is that I use this as a budgeting tool for my vape purchases and that has had a very positive effect for me. I wind up giving each purchase a lot more thought before buying and not only stay within my allotted monthly budget (because I don't want to pay the reload fee more than once a month), but I generally have funds remaining at the end of the month from the budget I initially intended to spend so I spend less overall. And I buy far less crap than I used to, giving each purchase a bit more thought has drastically cut down on impulse purchases that tend to fill my junk drawer more often than not. So for several reasons, security being primary, I really like this way of buying vape gear. And the card still has all the buyer protections of a typical bank Visa so I'm not worried about buying even from Chinese vendors... although they rarely have anything I would value purchasing anyway. So while there is a fee for this, I just look at it like a peace of mind service I'm paying for kind of like car insurance. I've never needed to make a claim on my car insurance, but I couldn't imagine not having it.