but there is another 1 dollar fees for every time you load your card. So yeah the complete sum will be $2 
That's it you use your card for a grand total of once, which I think no one would unless they're doing something shady.
Bit-x has been mentioned a couple of times, but I'll say it again - they have a great reputation on the forum (marcotheminer is the manager of their campaign - he ran into a bit of trouble in the past but I believe it's sorted out), so I don't know why you would ever go bad with them.