One of the biggest perks of a Kikoff account is the ability to use your credit limit to purchase items and build your credit score. Unfortunately, with Kikoff you can only shop through the Kikoff sore, where purchase options are extremely limited. The options are primarily outdated video tutorials and ebooks, with a disclaimer that ebooks are currently unavailable. So if you're hoping to use your Kikoff credit limit to cover day-to-day expenses, that won't work. Instead, you'd have to set up direct deposit and sign up for the Kikoff Credit+ Cash Card.