Gloss Prepaid Visa RushCard review October 2018 | finder.com

Review: Gloss Prepaid Visa® RushCard

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

If you want to take control of your finances and manage your monthly bills, this card can help.

You can be approved for the Gloss Prepaid Visa® RushCard without a credit check or proof of income. You can easily manage your monthly bills and make purchases anywhere that takes Visa.

Product NameGloss Prepaid Visa® RushCard
Annual fee$0
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
Annual fee$0

However, not to be confused with a traditional credit card, this is not a line of credit. You load the prepaid card with your own funds and then spend those funds using the card anywhere that Visa is accepted. Keep in mind, there are many fees associated with using this card.

Gloss Prepaid Visa® RushCard offers 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 time you make a purchase.

It also comes with a one-time card fee of $3.95 or $9.95. If used properly, the Gloss Prepaid Visa® RushCard can help you rebuild your credit.

Card details

  • Product name. Gloss Prepaid Visa® RushCard
  • Issuing bank. MetaBank, Member FDIC, pursuant to a license from Visa U.S.A Inc.
  • Daily ATM withdrawal limit. $5,000

Fees you can expect

  • One-time card fee. $3.95
  • Out-of-network ATM withdrawal fee. $2.50
  • Unlimited plan monthly fee. $7.95
  • Unlimited plan monthly fee with direct deposit. $5.95
  • Pay As You Go plan. $1 per transaction
  • 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
  • Online Bill Pay fee. $0

The perks

  • Visa standards.
    Since it’s a Visa, the company’s website claims it meets all the Visa Clear Prepaid Standards, protecting your money.
  • Mobile app.
    With the Gloss Prepaid Visa® RushCard, you can keep track of your money right from the free mobile app.
  • Safe.
    In general, it is safer to use a prepaid card than to carry around loose cash. Plus, 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.
  • Reload locations.
    You can reload your card at a variety of locations like Walmart and CVS. There, you can choose between a few different methods to load, like MoneyGram, Western Union, Green Dot and more. Keep in mind, there is a fee associated with loading your card this way.
  • Pause protection.
    If you lose your card, you can feel safer with pause protection. Using your mobile app, you can temporarily pause and prevent new purchases from being made.
  • Get paid faster.
    If you sign up for direct deposit, you can receive your paycheck or government benefits in your account up to two days faster. With direct deposit, you can say goodbye to waiting in long lines to deposit your check. Plus, as a cardholder, you will no longer have to worry about enrollment fees or check cashing charges.
  • ATM network.
    The Gloss Prepaid Visa® RushCard works at over 24,00 surcharge-free MoneyPass ATMs. However, you will incur a fee of you use an out-of-network ATM.
  • Online access.
    Want to pay your bills online? Try RushCard’s Online Bill Pay to conveniently pay your bills. You can access your account online for things like making rent payments and paying for groceries.
  • Financial counseling.
    MetaBank (issuer of the Gloss Prepaid Visa® RushCard) offers members one-on-one credit counseling from Operation Hope.
  • Customer service.
    RushCard offers 24-hour customer support.
  • Rewards.
    The RushCards have a referral program that can earn you a $30 credit on your account for each friend who applies, sets up a PIN and deposits funds onto their card. You can earn up to $600 per year. You can also earn Walmart and Sam’s Club pharmacy discounts and Visa rewards from more than 90 participating retailer.

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 of these fees.

Compare with other prepaid cards

Name Product Signature transaction fee PIN transaction fee Monthly fee Monthly fee with direct deposit
Card.com Visa Prepaid Card
Card.com Visa Prepaid Card
$0
$0
$9.95
$0
Customize your Visa prepaid card to fit you, and pick from two plans to fit your budget.
$0
$0
$9.95
$5
Trusted by more than 7 million people.
$0
$0
$7.95
$5.95
The Sequin KLS Prepaid Visa RushCard can add some glitz and fun to your wallet. Aiming to help improve your financial future.
$0
$0
$9.95
$9.95
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.
$1
$1
$0
$0
The AccountNow Prepaid Visa Card gives you quick access to your money, and is a convenient alternative to traditional bank accounts.
$1
$1
$0
$0
The 24k Prepaid Visa RushCard offers online and in-store purchasing without a credit check.
$1
$2
$0
$0
With Netspend, you get a convenient way to manage your money on a prepaid card that is packed with features.

Compare up to 4 providers

Am I even eligible?

To be eligible, you must meet the following eligibility 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 verifiable address (not a P.O. box).
  • Agree to RushCard’s provided terms and conditions.

What information do I need to apply?

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

How to apply for the Gloss Prepaid Visa RushCard

Applying for this card is easy, fast and can be completed with the following steps:

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

I got the card — now what?

Once you get your card and load it with cash, you can start making purchases online, in-store and anywhere that takes Visa. The card is accepted at thousands of locations. Reload your card at places like CVS and Walmart through methods like Green Dot and MoneyGram.

You can access your account online or by using the convenient and free mobile app. Be sure you factor in the fees so you don’t overdraw on the card. If you sign up for direct deposit, that can give you some relief from the fees, and you’ll get your money faster.

Bottom line

If you want access to the benefits of a credit card but don’t have the credit history to be approved, the Gloss Prepaid Visa® RushCard could be a helpful solution. It’s important to note that the fees can add up to be a bit more expensive than some other prepaid cards in the industry. Before choosing the Gloss Prepaid Visa® RushCard, make sure to explore other credit cards.

Frequently asked questions

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.
Go to site