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The RushCard® Prepaid Visa® Card may appeal to consumers who want a prepaid debit card rather than a credit card or a debit card linked to a checking account. But should you rush to apply? Maybe not – this card comes with numerous fees.
We break down the pros and the cons of the RushCard® Prepaid Visa® Card, as well as compare it to a different prepaid card that might help you manage your finances better.
- RushCard® Prepaid Visa® Card pros
- RushCard® Prepaid Visa® Card cons
- Compare it with the Bluebird by American Express
- Is the RushCard® Prepaid Visa® Card right for you?
RushCard® Prepaid Visa® Card pros
No fee to withdraw cash at in-network ATMs. There are 24,000 MoneyPass® ATMs across the country where you can withdraw cash for no fee using your RushCard® Prepaid Visa® Card. However, you will incur a fee if you use an out-of-network ATM.
No fee to put money on your card by direct deposit. Load money on your RushCard® Prepaid Visa® Card by setting up direct deposit for all or part of your paycheck.
Mobile check deposit. The RushCard Mobile App allows cardholders to deposit checks from their smartphones. This is a third-party service provided by Ingo Money.
Ability to pause purchases. If you misplace your RushCard® Prepaid Visa® Card, you can use Pause Protection in the mobile app to prevent new purchases. Once you find your card, you can then hit “resume” in the app. Note that while paused, some transactions may still go through, including recurring bill payments or transactions you authorized before you hit pause.
Pick from five card designs. The RushCard® Prepaid Visa® Card lets you manage your money in style, offering five different looks when you purchase your card online. They are as follows:
- Sequin KLS RushCard ($9.95 card purchase fee).
- Carbon RushCard ($3.95 card purchase fee).
- Midnight RushCard ($3.95 card purchase fee).
- Gloss RushCard ($3.95 card purchase fee).
- 24K RushCard ($3.95 card purchase fee).
RushCard® Prepaid Visa® Card cons
Monthly fee. If you go with the Rush unlimited plan, there’s a monthly fee of up to $7.95. With the unlimited plan, you can make as many purchases with your card as you like without incurring a separate fee per purchase, unlike the pay-as-you-go plan. And if you received a payroll or government benefit direct deposit to your card in the prior calendar month, your unlimited plan fee for the month will be discounted to $5.95. For those on the pay-as-you-go plan, the monthly fee is $0.
Fee per purchase. Cardholders on the Rush pay-as-you-go plan will pay $1 per transaction and $2 for international transactions.
Foreign transaction fee. When you use your RushCard® Prepaid Visa® Card outside the United States, there’s a fee of 3% of each transaction in U.S. dollars.
Card purchase fee. Depending on what card design you choose, you’ll pay either $3.95 or $9.95 when you first fund your RushCard® Prepaid Visa® Card.
Other fees you may be charged include:
- $3 per cash withdrawal from a bank teller.
- $3 per out-of-network ATM withdrawal (there may also be a fee from the ATM operator).
- $5.95 cash reload fee when funding your card at a reload location.
- $1.95 inactivity fee per month on the pay-as-you-go plan.
- 1% or $5, whichever is greater, for expedited mobile check load with government and payroll checks with a pre-printed signature. And for expedited mobile check load with all other accepted check types, the fee will be the larger of 4% or $5.
- 99 cents per transfer if you transfer funds to another cardholder.
- 50 cents per ATM balance inquiry (there may also be a fee from the ATM operator).
- $30 express cash fee charged if you access funds through a reload agent after you’ve reported your card as lost or stolen and don’t have access to your balance.
- $5 fee for card replacement with regular delivery, $30 for expedited delivery.
- $30 per stop-payment order on bill payments scheduled using the card’s bill payment service. There’s no fee for the first stop-payment order in a calendar month.
Compare it with the Bluebird by American Express
With all its fees, the RushCard® Prepaid Visa® Card can be expensive to carry and use. A better option for those who want to use a prepaid debit card to manage their finances may be the Bluebird by American Express. Here’s how the two cards stack up against each other:
|RushCard® Prepaid Visa® Card||Bluebird by American Express|
|Card opening fee||$3.95 or $9.95, depending on the design you select.||Up to $5 in retail locations. $0 online.|
|Monthly fee||Up to $7.95 for the Rush unlimited plan. $0 for the pay-as-you-go plan.||$0|
|Reload fee||$5.95 cash reload fee when funding your card at a reload location.||Up to $3.95 at participating retail locations. Free at virtually any Walmart checkout register.|
|ATM withdrawal fee||$0 at in-network ATMs. $3 at out-of-network ATMs (you may also be charged a fee by the ATM operator).||$0 at MoneyPass® ATMs. $2.50 at other ATMs (you may also be charged a fee by the ATM operator).|
|Per-transaction fee||$0 on the Rush unlimited plan. On the pay-as-you-go plan, $1 for U.S. transactions and $2 for international transactions.||None|
|Foreign transaction fee||3% of each transaction in U.S. dollars.||None|
Another factor to consider is that the RushCard® Prepaid Visa® Card does not allow authorized users or secondary cards on your account. This is a downfall for consumers who might want to allow family members to access funds. By contrast, the Bluebird by American Express allows cardholders to open family accounts connected to the main account, and add funds there.
Is the RushCard® Prepaid Visa® Card right for you?
It’s important to note prepaid debit cards such as the RushCard® Prepaid Visa® Card do not report activity to the credit bureaus, and thus do not help you build credit. However, some consumers may still find value in them as a way to manage finances without a traditional bank account.
If you’re looking for a prepaid card, you may find that the RushCard® Prepaid Visa® Card’s fees make it an expensive option compared to the Bluebird by American Express.
Those considering the RushCard® Prepaid Visa® Card should also be aware of these restrictions:
- $10,000 maximum card balance.
- $10,000 per transaction on ACH/direct deposit.
- $2,999 maximum cash loads per day.
- $3,000 maximum per calendar month on ATM withdrawals.
- $3,000 maximum per calendar month on teller withdrawals.
- $5,000 per day limit on point-of-sale transactions.
- $5,000 maximum on the combined amount withdrawn or spent per day.
- $2,000 total per 24-hour period on card-to-card transfers.
- $5,000 total per rolling 30-day period on card-to-card transfers.
Finally, the RushCard® Prepaid Visa® Card should not be confused with the RushCard Live Reloadable Prepaid Visa® Card. Despite the very similar names, they are separate cards. They’re owned by the same parent company, UniRush LLC, but they’re issued by different banks – and while you can purchase a RushCard® Prepaid Visa® Card online, you must get the RushCard Live Reloadable Prepaid Visa® Card in person from retailers such as Kroger, Rite Aid or Walmart. Both cards have similar fee structures and offer a per-use plan and a monthly plan.