Is the 24K Prepaid Visa RushCard worth it? | September 2018

Review: 24k Prepaid Visa® RushCard – September 2018

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The 24k Prepaid Visa® RushCard offers online and in-store purchasing without a credit check

If you’re unable to get a credit card, check out the 24k Prepaid Visa® RushCard. Without a credit check, you can easily make purchases anywhere that takes Visa.

Product Name24k Prepaid Visa® RushCard
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Minimum Age18 years of age

RushCard offers a choice of two plans:

  • The Unlimited plan.
    Allows you an unlimited number of purchases for a monthly fee of $7.95, or $5.95 if you enroll in direct deposit.
  • The Pay As You Go plan.
    You forgo the monthly charge, but pay $1 for each purchase you make, limited to $10 per month.

With no minimum balance and the ability to change your plan at anytime, the 24k Prepaid Visa® RushCard may fit your budget. Keep in mind that this is not a credit card or a line of credit. You load your cash onto the card and can then use it anywhere that takes Visa.

Card Details

  • Issuing bank. MetaBank, Member FDIC, pursuant to a license from Visa U.S.A Inc.
  • Daily ATM withdrawal limit. $3,000

Fees you can expect

  • Out-of-network ATM withdrawal fee. $2.50
  • Unlimited plan monthly fee. $7.95 per month
  • Unlimited plan monthly fee with direct deposit. $5.95
  • Pay As You Go plan. $1 per transaction (max $10 per month)
  • Inactivity fee. $1.95 per month after 90 days of inactivity with the Pay-As-You-Go Plan.
  • Withdrawal fee at MoneyPass ATM. $0
  • Withdrawal fee at out-of-network ATM. $0.00
  • Withdrawal fee from bank teller. $2.50
  • Cash back from retailers withdrawal fee. $0 (or included in the $1 transaction fee)
  • Reloading direct deposit fee. $0
  • Reload fee for online transfers from your bank. $0
  • Fee to load cash at retailers. No fee from RushCard
  • ATM balance inquiry fee (out of network). $0.50
  • Fee to transfer to another RushCard. $0.99
  • Online bill pay fee. $0
  • Mobile check deposit. $0 (1%-4% of check for same day option.)

What are the benefits of the 24k Prepaid Visa® RushCard?

  • High standards.
    The RushCard meets the Visa Clear Prepaid Standards for clearly stating their fees and offering great consumer protection.
  • Reloading.
    You can reload your card in a variety of ways, including: MoneyGram, Western Union, Green Dot and more. These reloading options can be found at places like CVS and Wal-Mart. Keep in mind that there is a fee.
  • Free ATM Network.
    Your RushCard will work like any Visa, which means you can use it to make purchases in-store and online. The 24k Prepaid Visa® RushCard works at more than 24,000 surcharge-free MoneyPass ATMs. But you will incur a fee if you withdraw money at an out-of-network ATM.
  • Online access.
    You can pay your bills and access your account online.
  • Customer service.
    RushCard offers 24-hour customer support.
  • Direct deposit.
    If you sign up for direct deposit, you can get your money up to two days faster. Additionally, you don’t have to worry about enrollment charges, check cashing fees or long lines at the bank. You can even arrange for your tax refund to be deposited directly to your RushCard.
  • Secure.
    RushCard has strict fraud policies, smart monitoring tools, optional text alerts and more. Your card will also be covered under the Visa Zero Liability Policy.
  • Pause protection.
    Lose your card? With pause protection, you can temporarily pause and prevent new purchases from being made from your mobile app.
  • Rewards.
    If you refer a friend and they apply, set up a PIN and deposit funds to their RushCard, you will receive $30 to your account. Other rewards include Walmart and Sam’s Club pharmacy discounts and Visa rewards from more than 90 participating retailers.
  • Savings goals.
    RushCard lets you set goals and track your savings online.
  • Financial counseling.
    MetaBank (issuer of the 24k Prepaid Visa® RushCard) offers members one-on-one credit counseling from Operation Hope.

What to watch out for

  • Limits.
    There are limits on how much money you can add, transfer or receive.
  • Statement price difference.
    You can expect a $1 paper statement fee each time a paper copy of your statement is mailed to you.
  • Fees.
    Watch out for fees with this card, as they can add up. Conveniently, RushCard’s website lists potential fees you can encounter with the card. Signing up for direct deposit will help you avoid some fees.

How to apply for the 24k Prepaid Visa® RushCard

Eligibility

To be eligible, you must meet the following requirements:

  • At least 18 years old or 13 years old with parental consent.
  • All personal information is true and correct.
  • U.S. citizen or legal resident of the United States (excluding Vermont).
  • Have a physical address (not a P.O. box).
  • Agree to RushCard’s provided terms and conditions.

Required information

  • Full name
  • Address
  • Social Security number
  • Email address
  • Phone number
  • Date of birth

Steps

Applying for this card is quick and simple following these steps:

  1. First, go to RushCard’s main homepage. You will see a button that says “Get a RushCard,” with a place to input your email and full name.
  2. You’ll then be taken to the card’s application page where you’ll enter your information, choose your card design and your plan (Unlimited or Pay As You Go).
  3. Agree to the consent for the electronic disclosure of information, and submit your application.

Compare other prepaid cards

Rates last updated September 26th, 2018
Name Product Product Description Monthly Service Fee ATM Withdrawal Fee ATM Balance Inquiry Fee
Netspend® Visa® Prepaid Card
With Netspend®, you get a convenient way to manage your money on a prepaid card that is packed with features.
$2.50
$0.50
Pink Netspend® Visa® Prepaid Card
Trusted by more than 7 million people.
$2.50
$0.50
AccountNow® Prepaid Visa Card
The AccountNow Prepaid Visa Card gives you quick access to your money, and is a convenient alternative to traditional bank accounts.
$2.50
$1.50
AccountNow® Gold Visa® Prepaid Card
The AccountNow Gold Visa Prepaid Card is a debit card that allows cardholders the convenience of direct deposit without having to open a checking account.
$9.95
$2.50
$1.50

Compare up to 4 providers

I got the 24k Prepaid Visa® RushCard — now what?

Once you’ve received the card, it’s time to add money and start spending. The card is accepted at thousands of locations, and works just like a Visa card. You can load up your card at CVS and Walmart through methods like Green Dot and MoneyGram.

After getting the card, you are free to shop online and in store in a more secure way. The 24k Prepaid Visa® RushCard can help you stay on top of your bills, especially with convenient features like paying bills online.

Sign up for direct deposit to avoid paying fees.

Bottom line

If you’re looking for an easy way to pay bills and manage your finances, the 24k Prepaid Visa® RushCard could be a helpful solution. However, there are lots of potential fees to watch out for, making this card more expensive than some other prepaid cards.

Before choosing the 24k Prepaid Visa® RushCard, make sure to explore other credit cards in the industry.

Frequently asked questions

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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4 Responses

  1. Default Gravatar
    RoseJuly 29, 2018

    How do i know why my card says 0.00 balance but spent 50.00 online is there money or not

    • finder Customer Care
      nikkiangcoJuly 31, 2018Staff

      Hi Rose!

      Thanks for leaving a question on our page.

      As much as we’d like to help you out, we won’t be able to check the current balance on your 24k Prepaid Visa.You may visit their website to get their contact number and call them immediately.

      Hope this clarifies.

      Regards,
      Nikki

  2. Default Gravatar
    JerryMay 31, 2017

    Does my card come with best buy get loan and spend first hundred at best buy?

    • finder Customer Care
      AnndyJuly 11, 2017Staff

      Hi Jerry,

      Thanks for your question.

      24k Prepaid Visa® RushCard does not come with those features. It does offer Wal-mart and Sam’s Club pharmacy discounts and Visa rewards from more than 90 participating retailers.

      If you are a frequent shopper at Best Buy, you may consider the credit cards listed here.

      Cheers,
      Anndy

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