Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

RushCard® Prepaid Visa® card review

Good or bad credit, find a RushCard® Prepaid Visa® that works best for your unique situation.

RushCard is led by hip-hop mogul, Russell Simmons and issued by MetaBank, member FDIC. It offers a variety of prepaid cards — all with unique perks like cashback rewards, early direct deposits and free financial counseling. But you’ll need to watch out for potential fees.

Up to $7.95

Monthly maintenance fee

From $0

Signature transaction fee

From $0

PIN transaction fee


Card typeDebit
Card networkVisa
Monthly fee$7.95
Monthly fee (pay-as-you-go plan)$0
Monthly fee with a direct deposit$5.95
Signature transaction fee$0
Signature transaction fee (pay-as-you-go plan)$1
PIN transaction fee$0
PIN transaction fee (pay-as-you-go plan)$1
Additional Card Fee$0

How much does RushCard® Prepaid Visa® cost?

After you pick your card design, choose between the Pay-As-You-Go or Unlimited Plan, depending on your needs.
Pay-As-You-GoRush Unlimited
Monthly fee$0$7.95
$5.95 with direct deposits
Per purchase fee$1$0
Foreign per purchase fee$2$0
Foreign transaction fee3%3%
In-network ATM fee$0$0
Out-of-network ATM fee$3$3
ATM balance inquiry fee$0.50$0.50
Teller cash withdrawal$3$3
Direct deposit fee$0$0
Cash reload fee$5.95$5.95
Card-to-card transfer fee$0.99$0.99
Mobile check load$0$0
Cashback at retailers fee$0$0
Inactivity fee (after 90 days)$1.95 a month$0
Card replacement fee$5$5

How do I open a RushCard® Prepaid Visa® account?

Apply for a Rushcard in three easy steps:

  1. Go to the provider’s site and follow the steps to apply.
  2. From the RushCard’s website, click Get a RushCard. Enter your email and full name.
  3. Follow the prompts to enter your personal information, choose your card design and select your payment plan.
  4. Agree to the electronic disclosure agreement and submit your application.


To be eligible, you must meet the following requirements:

  • At least 18 years old (or 13 with parental consent)
  • US citizen or resident (excluding Vermont)
  • Valid US residential address (not a P.O. box)

What information do I need to apply?

You’ll need to provide the following information to apply:

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

RushCard designs

RushCard users can choose from five appealing prepaid card designs, each with their own one-time fee.

Midnight Prepaid Visa RushCard24K RushCardCarbon RushCardGloss Prepaid Visa RushCardSequin KLS Prepaid Visa RushCard, designed by Kimora Lee Simmons
Card designsMidnight Prepaid Visa RushCard24K RushCard Carbon RushCardGloss Prepaid Visa RushCardSequin KLS Prepaid Visa RushCard
One-time card fee$3.95$3.95$3.95$3.95$9.95

*RushCard previously offered a Suede KLS RushCard also designed by Kimora Lee Simmons, but this card is no longer available on the RushCard website.

    RushCard benefits

    As with most prepaid cards, RushCard lets you pay bills online, lock and unlock your card if lost or stolen, track your spending from the mobile app, and send money to friends and family. But it also has these perks:
    • Get paid faster. If you want to get your paycheck or government benefits up to two days faster, sign up for direct deposit with your RushCard.
    • Variety of rewards incentives. If you refer a friend and they apply, set up a PIN and deposit funds onto a RushCard, you’ll get $30 in your account — up to a maximum of $600 a year. Plus, enjoy Walmart and Sam’s Club pharmacy discounts and Visa rewards from more than 90 participating retailers.
    • Customer service. As a cardholder, you can enjoy RushCard’s 24-hour round-the-clock customer service.
    • Reload and withdraw locations. If you need to reload card, you can do so at places like Walmart and CVS through methods like MoneyGram, Western Union, Green Dot and more. You can withdraw your money at any MoneyPass ATM.

    What to watch out for

    Although RushCard has a long list of benefits, it has some potential drawbacks:
    • RushCard Controversy. In 2015, during what the founder calls a “technology transition,” thousands of cardholders lost access to the funds. Some accounts were deactivated and others had duplicate transactions. As a result, an investigation and class-action lawsuit was launched.
    • Statement price difference. There is a $1 paper statement fee for each mailed paper copy of your statement.
    • Fees and limits. Watch out for the card’s potential fees and limits. You’re limited to a $10,000 balance, $5,000 in purchases a day and you can withdraw up to $3,000 a month.
    • Upfront card costs. You’ll pay a one-time fee of $3.95 or $9.95 for your RushCard, depending on which design you choose.
    • Won’t improve credit. Because this is a prepaid card and doesn’t report to any credit agencies, it won’t help you improve your credit score.

    Compare with other prepaid cards

    Name Product Annual or monthly fee ATM withdrawal Features
    Brinks Prepaid Mastercard
    Brinks Prepaid Mastercard
    $9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
    • Mobile app
    • Direct deposit
    • Payback rewards
    No credit check. No minimum balance. No late fees because this is not a credit card.
    Netspend Prepaid Mastercard, WWE partner
    Netspend Prepaid Mastercard, WWE partner
    $9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
    • No activation fee
    • Payback rewards
    • No minimum balance required
    No credit check, mobile check load, and now a WWE partner
    Control Prepaid Mastercard
    Control Prepaid Mastercard
    $7.95 per month (or $5 with a $500+ direct deposit)
    • Custom Card
    • Direct Deposit
    • Cash Back Rewards
    No overdraft fees on card purchases. No credit check. No cost to order
    Netspend All-Access Account by MetaBank
     Netspend All-Access Account by MetaBank
    $5 per month
    • Earn cash back on everyday purchases
    • Earn up to 6% APY with an optional Savings Account
    • Receive your paycheck up to 2 days earlier with Direct Deposit
    With Netspend All-Access Account by MetaBank there's no credit check and no minimum balance to open an account.
    Finder Rating: 4.8 / 5: ★★★★★
    $3.99 per month
    • Low fee
    • Investing
    • Parent-paid interest
    • Donation options
    The BusyKid Visa® Prepaid Spend Card gives your kids the freedom to spend anywhere Visa® is accepted, and parents see every transaction made.

    Compare up to 4 providers

    The bottom line

    RushCard makes it easy to make online payments, get paid and manage your spending — whether you have good credit, bad credit or no credit at all. But this convenience comes at a cost. If you’re looking for cheaper fees, explore prepaid card options until you find one that’s right for you.

    Frequently asked questions

    Ask an expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • 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 Terms of Use and Privacy and Cookies Policy.


      Default Gravatar
      December 17, 2018

      I cannot use my rushcard in costa rica they say im showing no funds why?

        Default Gravatar
        December 19, 2018

        Hi Fank,

        Thanks for getting in touch! You must be able to use your Rushcard in Costa Rice. As it says on their website:

        “You can make ATM withdrawals, domestic and international purchases, and your RushCard Live can be reloaded. The RushCard Live is a prepaid card which means you need to add money to your card in order to use it.”

        Try to check your account online to see if there are funds on the account. If there are no funds on the account, it would be best to contact Rushcard immediately.

        Hope this helps!


    Go to site