Prepaid Visa Rush Card Review

No Savings With the Rush Card

Credit Rating Required

• No credit check required

About the Prepaid Visa Rush Card

Pros

• No credit check required.
• Free direct deposit. 

Cons

• High fees.
• No monthly fee waiver.
• No free bill pay.
• No preauthorized direct debits to pay bills.
• Some merchants can hold your money.

Reload Limit

• Cash reload: $1,000 maximum.
• $5,000 limit on direct deposits.
• Maximum balance at any time: $9,999.

Who the Prepaid Visa Rush Card Is For

• People who want a Visa card without a credit check.
• People who want an alternative to a .
• People who don't like banks.

Rewards

• None.

Fees

• Monthly fee: $9.95.
• $3.00 one-time activation fee on first card load.
• ATM fee: First two transactions per month are free, then $2.50 each. ATM operator may charge its own fees.
• Bill pay fee: $2.00 enrollment fee, $1.00 per payment.
• Retail locations may charge a fee to reload.

Instead of saving you money, this card will nickel and dime you to death.

Prepaid Visa Rush Card Review

   The Rush card charges a $2 enrollment fee for online bill pay , plus $1 each time you pay a bill. Other prepaid cards don't charge for this service. The Rush Card won't let you preauthorize direct debits to pay recurring bills.
   Though the Rush Card touts its convenience, you can't pay at the pump. If you use the card at a restaurant, hotel, or car rental agency, the merchant may charge an additional 20% or more "to ensure there are sufficient funds available to cover tips or incidental expenses incurred." It may take up to seven days for this hold on your funds to be removed, which means you won't have access to your own money. What's that about?
   The Rush Card's website claims that it will save you hundreds of dollars a year by avoiding check cashing, overdraft, and interest fees. Maybe so. But instead of paying a bank, you'll pay hundreds of dollars in other fees on this card.
   For starters, you get charged a $9.95 monthly fee no matter what; other prepaid cards waive the fee if you direct deposit a minimum amount per month. You get two free ATM transactions a month, but subsequent ones cost $2.50 each - plus ATM charges.
   The Rush Card also purports to build your credit history through the free "RushPath to Credit" program, in which all your online bill payments are sent to, a credit reporting agency. However, as the Rush Card website admits - in tiny, faded typeface that is very hard to read - the program won't help your credit if the lender doesn't consider PRBC, which many lenders don't.

Recommendation

While some people think it's cool to have the Rush Card because it's the brainchild of hip-hop entrepreneur Russell Simmons, it really only benefits Russell, not you. And why are so many things hidden in the fine print (literally)? I'd look for a cheaper, better, un-cool card. Better yet, how about a bank account?

User Reviews
   Reviews for this section have been closed.

 1 out of 5

NEVER BUY VANILLA VISA PREPAID CARDS NEVER NEVER!, Member meltrem

I have boughten the mastarcards before, but not the visas! FIRST TIME I BOUGHT A DAMNED VISA WAS THE FIRST DAY OF HELL FOR THE NEXT FEW MONTHS, AND CONTINUED!!!!!! The card didnt work so Im told to contact the company which I do then Im told to send in my information, which I faxed but it was ""too dark"" on their cheap end so I ended up mailing them my info which they got in 4 days. I'm told Im being sent a new card. 3 weeks later i call back cause there is still no card. They said some info is missing. I say what are you talking about you said a new card was sent. They said yeah your right, it was. We just need to know the date of purchase cause it doesnt say on the receipt (they said all they needed was the amount on the receipt). So after that, still no card. I call back another 2 weeks later and they said it was sent to the wrong address (Even though I confirmed it 3 times over the phone cause I had a FEEELING that they were pretty irresponsible!) Like that made a difference..... So apparently a new card was sent out AGAIN on the 15th and supposed to be received a week ago. I am tired of this and NOW I am going into an investigation with my bank. I'm noot letting these scammers take my money. *******************************ALWAYS LOOK AT REVIEWS BEFORE PURCHASE!!!!!************************