Manufacturers and Traders Trust Company

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Prepaid Visa® RushCard™
Issued by Manufacturers and Traders Trust Company

Prepaid Visa� RushCard�

Overall Rating

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Review

The Prepaid Visa® RushCard™, issued by Manufacturers and Traders Trust Company, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card.

The card does offer shopping discounts at participating retailers, which is rare for a stored value card, as this type of card usually does not offer any extraordinary benefits or services to cardholders.

There is no interest applied on the account or other similar charges found with most unsecured cards. Although there is a one-time activation fee of $19.95, cardholders will receive $10 off the cost of activation when they use the promo code MYBP. Additionally, there is no monthly participation fee. It is important to note that the card does require payment in advance, which is then used to offset future purchases made with the card.

There is a $1 transaction fee that is charged for each purchase made with the card (capped at $10 per month - additional purchases are free). The issuer charges no reload fees. Direct deposits, pay pal transfers and mailing in a check or money order are free. However, affiliated merchants do charge a flat fee for retail reloads.

One of the most unique features of the Prepaid Visa® RushCard™ is the refer-a-friend program. The card offers cardholders the chance to earn money by referring friends and family to the program. Cardholders will receive $5 on their card for every referred applicant who becomes an active RushCard™ member.

Another unique feature of the Prepaid Visa® RushCard™ is the Cash Back Rewards program. Transaction fees that are incured past the $10 cap per month are deposited back onto the cardholder's Prepaid Visa® RushCard™ on the 15th of every month.

Unfortunately, this card does not report cardholder transactions to the credit bureaus, which is not ideal for those who are trying to establish credit.

Therefore, those who are looking for a low cost stored value card, would like to earn cash back rewards, and would like to receive shopping discounts at participating retailers will benefit most from what the Prepaid Visa® RushCard™ has to offer.

Updated: January 2, 2009

Most Attractive Feature(s) : No monthly or annual fee; no security deposit required; cash back rewards; shopping discounts at participating merchants and retailers.

Least Attractive Feature(s) : Activation fee; transaction fee.

Terms and Conditions

Note: The review on this card was updated on January 2, 2009. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.

Specifics

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Category Definitions

Card Category: Pre-Paid

Annual Fee : $0

Additional Cardholders : n/app

Minimum Credit Limit : n/a

Maximum Credit Limit : $9,999

Over-The-Limit Fee : n/a

Cash Advance Fee : $1.95 for domestic ATM transactions; $3.50 for international ATM transactions

Minimum Deposit : n/a

Maximum Deposit : $5,000

Application Fee : $19.95

Participation Fee : $0

Reload Fee : $0 for load via direct deposit of pay or government benefits, tax refunds, money order, or bank transfer (bank may charge a fee); $3.95 for load via MoneyGram at a loading point for transactions of up to $5,000.

Inactive Fee : $2.95 Monthly (after 60 days of inactivity)

Total First Year Fees : $19.95

Reward Program Details

Rebate Minimum : n/app

Rebate Maximum : n/app

Additional Rebates : None

Rebate Details : The Prepaid Visa® RushCard™ offers a Cash Back Rewards program. Transaction fees that are incurred past the $10 cap per month are deposited back onto the cardholder's Prepaid Visa® RushCard™ on the 15th of every month.

Expiration : None

Yearly Limit : None

Perks / Notations

Additional Perks

Cash back rewards at participating retailers.
Various Internet account related services.
Lost and stolen card reporting.
Credit Builder: Members can opt in to have bill payments made with RushCard reported to PRBC who will start a positive credit file for them. Lender may in the future use this information for granting loans and lines of credit.
See website for additional cardholder benefits.

Important Notations

No security deposit required.
Free 24/7 Customer Service, Activity Status, and Balance Inquiries
There is a $1 transaction fee for each purchase, which is capped at $10 per month (all additional transaction fees will be refunded).
The $19.95 activation fee will be deducted from the initial load amount made on the card.
Any child between the ages of 13-17 wishing to apply for a Visa RushCard will require parental consent.
Various additional fees associated with the card, see website for additional details.
See website for complete terms and conditions of card usage and application disclosure.

Additional Information

Apply Online for the Prepaid Visa® RushCard™.

See other cards issued by Manufacturers and Traders Trust Company

APR (Purchases) : n/app

APR (Cash Advances) : Not Available.

Finance Configuration : n/app

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