RushCard Prepaid Visa Card Review

A couple of weeks ago, I talked about prepaid debit card fees and how those fees can be costly for people who use prepaid cards to pay for their everyday purchases. While prepaid cards give consumers the same convenience of making payments as credit cards, some cards, such as the Kardashian Card mentioned in the article, are loaded with fees, hidden or obvious. For those who turn to prepaid cards to avoid credit card debt traps, fees charged by some cards are even more than credit card fees, even though with prepaid cards there’s no worry of high interest rates. Therefore, when selecting a prepaid card, it’s always a good idea to scrutinize the fee schedule and if possible, always go with the card that has no hidden fee or excessive charges.

One prepaid card that meet the above condition is the RushCard Prepaid Visa Card. Like all other prepaid cards, the RushCard is a prepaid Visa debit card that gives you the convenient of a credit card since it’s accepted everywhere Visa is accepted, while allowing you to avoid high interest charges and the danger of falling into debt because you can only spend what you deposit into the card. With that limit, you will not be charged for overdrafting your account and there are interest fees.

The RushCard also allows many ways to fund the account. In addition to transferring money from bank account, you can also opt to have your paycheck, tax refund, or government benefits direct deposited to your RushCard account. This means you never pay costly check cashing or overdraft fees again. Managing your RushCard account is equally straightforward with the RushCard’s online money tools, which let you check your account balance, make deposit, and see recent account activities. Not only can you manage account online, but also budget since you have access to all information on how you spend money using the RushCard, giving you a clear picture of your spending habits and where you can cut.

When using a prepaid card, I think the biggest benefit is convenience, especially for those who have difficulty in getting a credit card, because there’s no need to carry a large amount of cash. However, if you are also looking to build credit while using a prepaid card, the RushCard will let you do just that, building your credit history, with its Free RushPath to credit service. Every time you pay your rent, utilities, and other bills with the card, you are building your credit history.

Is this a prepaid card you have been looking for? The following is a quick summary of key benefits and features of the RushCard that you will receive once becoming a member:

  • The RushCard was designed to provide access and financial empowerment to all.
  • FREE Direct deposit Avoid long lines and check cashing fees by depositing your paycheck, tax refund, or government benefits directly to your RushCard.
  • FREE Online Money Tools Powerful, FREE online money tools help you plan a budget, monitor your progress, and review your spending.
  • NO Credit Check Required – Just satisfactory proof of Identification
  • NO Hidden Fees – All fees clearly stated within cardholder agreement
  • Deposit your tax refund onto your RushCard and get it 2-3 weeks faster
  • Sign up for free and get approval in seconds

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This post was written by Sun You can find out more about Sun and his activities on Facebook , or follow him on Twitter .

3 Responses to “RushCard Prepaid Visa Card Review”

  1. Josh |  Apr 19, 2011 at 11:00 pm

    Prepaid cards are such a scam. Go to your local bank, open a checking account, and follow what ever rules are in place to avoid maintenance charges. As long as you don’t spend more than you have, there’s nothing to worry about.

    • Sun |  Apr 20, 2011 at 10:23 pm

      I think it’s all about discipline and be responsible, whether it’s a credit card or a prepaid card. As you said, there are rules that to be followed for using a prepaid card. And if those rules are strictly followed, I don’t expect any trouble for the user. Nonetheless, it’s wise to just stay away from cards that charge all kinds of fees.

  2. ann @ merchant services |  Apr 26, 2011 at 2:37 pm

    Well, it calls for total discipline and self-control. There are some people who manage to get away from all kinds of fees and freely lives with all the worries and anxieties. Just know how to be frugal and you won’t encounter any predicaments in the future.