A financial transaction card includes a substantially biodegradable substrate, a plurality of seeds, and an account identifier. The plurality of seeds is coupled with the substantially biodegradable substrate such that the plurality of seeds is embedded within and substantially surrounded by the substantially biodegradable substrate. When the financial transaction card is inserted into a planting composition, the substantially biodegradable substrate decomposes leaving the plurality of seeds planted in the planting composition. The account identifier is securely connected to the substrate and links the substantially biodegradable substrate to a financial account. The account identifier is machine readable by a point-of-sale terminal. Stored-value card assemblies, methods of encouraging purchase and facilitating use of a stored-value card, and other embodiments are also disclosed.