Which of the following describes a stored-value card?

A stored-value card is specifically designed to hold a predetermined amount of money that can be spent until the balance is depleted. The correct choice refers to a card that is intended to be discarded after the value is used. This aligns with the typical use case of stored-value cards, which often serve as a convenient way for consumers to manage their spending without needing to access their bank accounts directly.

Upon the depletion of the balance, these cards are frequently discarded, as they may not have the functionality to be reloaded or reused, thereby emphasizing their purpose. This is commonly seen with prepaid gift cards and similar products in the market. The other options describe features more consistent with other types of financial cards, such as credit cards and debit cards, which have different purposes and functionalities.