On the ever expanding prepaid card market, the new American Express® Prepaid Card just may be the best of the bunch. The American Express Prepaid Card cuts away most of the fees and comes with many of the features associated with the respected American Express name. As with most prepaid cards, there are no credit requirements for applying for this card.

The benefits of Cardmembership start here! Free Direct Deposit No Monthly, Annual or Purchase Fees No Overdraft, Inactivity or Foreign Exchange Fees Free Fraud Protection* Purchase Protection and Roadside Assistance* No Credit Check

After reviewing this card, I had to wonder if the marketing experts at AMEX all have kids and realize that there are some unique scenarios that parents face. You certainly don’t have to have kids to use this card but I immediately realized this card could offer some great opportunities to teach responsibility and for parents to be able to rest easy anticipating the inevitable times when kids don’t think ahead.

So how can this card help with the needs of your young family? You may have students away at college or high school kids living at home. Giving them a card to use in case of emergency will benefit you as much as them; mostly because you won’t have to worry about the “what ifs.” The card purchaser can get up to three cards. All three cards can be in the names of other people or one for the purchaser plus two other users. The minimum age of a card user is 13.

What This Card DOESN’T Have

• NO overdraft fees
• NO credit check
• NO debt
• NO purchase fees
• NO annual fee
• NO monthly fee

What This Card DOES Have

• Roadside Assistance (jump starts, gas, locksmith, flat tires, tows)
• Fraud protection (not responsible for charges resulting from a lost or stolen card)
• 24 hour customer service
• Discounts and special offers
• First ATM transaction each month is free – after that it’s $2 per transaction

Loading the Card

To load the card you have options. You can transfer from your bank account (for which there is NO charge) or you can load cash. You can load cash by purchasing a MoneyPak for $4.95 at one of 50,000 retail outlets, including the biggies — Walmart, Kmart, CVS, Rite Aid, Walgreens and 7-Eleven. With MoneyPak you can load as little as $25 or as much as $500 per transaction. Your first MoneyPak purchase is “on the house” and will be refunded by AMEX, but this offer is only good through the end of May.

The American Express Prepaid Card requires no minimum balance and no initial load requirement. Minimum reload is $25. Maximum card balance is $2,500 and you can’t load more than that amount at one time.

Card Controls

What sets this card apart from the other cards on the market are the controls that are in place for parents. If you are thinking this might be great for your family members, especially your children, you might find these monitoring features appealing, if not critical.

• ATM access can be turned on and off
• Cards can be limited to a maximum of $200 (or certainly less) per week
• Cards can be suspended and reactivated
• Email notifications can be turned on and off
• Transactions can be viewed

While great for meeting the supervisory needs of parents, you certainly don’t need to have kids to benefit from the features of this card. You don’t even have to take advantage of multiple cards to benefit. In the rapidly expanding world of prepaid cards, the American Express Prepaid Card is an impressive product.

How to Apply for the American Express® Prepaid Card

Applying for this credit card is quick and easy. The application takes just a few minutes to complete, and Amex will even notify you about the outcome of your application.

To get started, visit the American Express® Prepaid Card official website.

The PASS Card from American Express is a prepaid card that has been designed to teach teens how to be financial responsible. The PASS Card is a reloadable prepaid card that parents give to teens and young adults. Any adult 18 years or older can purchase the PASS Card for anyone 13 years of age or older. The Card purchaser loads the Card with funds and can reload it so that the card user can use it again and again.

Prepaid reloadable Card parents give to teens Parents and teens can log in to their own online accounts to check the PASS Card balance, view transactions and setup alerts. Limit overspending and avoid teen overdraft fees Safer than Cash Automatic reloads Purchase Protection* Entertainment Access* Global Assist*

Using the PASS Card

PASS Cardmembers can use the Card at any merchant that accepts American Express® Cards worldwide. This includes mail-order, online and in-store locations. You can also use it to withdraw cash from ATMs. The Card cannot be used at cruise lines, casinos or for car rental charges. The PASS Card is not intended for use for alcohol, gambling, adult entertainment or illegal activities.

Managing Your Account

Both parents and teens are involved when it comes to managing the card. Its easy and safe. All you do is load the card, use the card, and then check your account information online. Here’s how it works:

1. Load/Reload: The person who purchases card is the only one who can load the card. The initial load must be made online, but you can it can be reloaded either online or by calling Customer Service at 1-877-405-7277.
2. Using the Card: The Card can be used at millions of locations around the world – anywhere American Express® Cards are accepted.
3. Managing the Card: Both the PASS Card purchaser and PASS Cardmember can create online accounts to view transaction history, check balances and set up account controls.

Choosing your Card design

One of the cool features of the PASS card is that you can choose your own design. Cardmembers and purchases get to choose from four different card colors and you can even have your own photo or image added to the card. This is a great way to personalize your card. There are guidelines about what type of images are acceptable and you can see this guidelines once you start the process of adding your own design. When you apply for the card online you will get to choose if you want to add your own image or not.

Rewards Mall

The Rewards Mall is basically an online shopping mall that gives PASS Cardmembers special access to discounts and offers at hundreds of merchants. Some special offers many include things like free shipping or a percentage off a purchase at merchants. When you shop at the Rewards Mall, American Express will make a charitable donation to United Way for each eligible purchase. The Rewards Mall shows the percentage of your purchase that American Express will donate to the charity. For additional details about the Rewards Mall and charitable contributions, log into your PASS account at americanexpress.com/pass in the “Teen Manage Your Account” section and click the “Rewards Mall” link under the Perks section.

Benefits for Parents and Teens

• Money can be added 24/7, online or by phone, from an American Express® Card or bank account.
• Teens can use the card at millions of locations around the world: in stores, online, at ATMs American Express charges a fee of $1.50 to the PASS Card for each ATM withdrawal.
• Both you and your child can Log in to your online account to check the Card balance, view transactions and set up alerts.
• Teens can learn how to better manage their money by tracking purchases online. Plus, they can visit the JA Student Center to learn more about budgeting and planning.
• Teens can also become “Financially Certified” through an online assessment.
• PASS also includes Roadside Assistance
• Teens can also view balances online, or track their funds via text messages2Carrier charges may apply for receiving text messages and mobile web browsing.
• Make it yours, pick a color. You can even add an image for free when your parents order PASS.

PASS Card Fees

The PASS card does not charge interest and you cannot overdraft the account. The only fee you need to be concerned with is the fee for withdrawing money from an ATM. The fee is $2.00 per withdraw, but you get one free ATM withdrawal per calendar month. Keep in mind that banks may also charge their own fees for each withdrawal. There are no fees for activating or reloading the PASS Card.

How to Apply for the PASS from American Express®

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official PASS from American Express® website. From this page, you can click on the apply now button to go to the PASS from American Express® secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application. To get started, visit the PASS Card from American Express official website.

This card is no longer available. Check out the Walmart MoneyCard(SM) MasterCard® Prepaid Card for a similar offer.

The Mango™ MasterCard® Prepaid Card is available to those with bad credit or no credit. The Mango Card is a convenient way to manage your money and it’s much safer than using cash. The Mango Card is not a credit card, which means you can spend only the money you have. With a prepaid debit card, there are no overdraft fees. There are also no interest charges or late fee charges. You balance on the card is determined by how much money you put onto the card.

Free Direct Deposit + Get $20 Signup Bonus Earn High Savings Interest Rate Instant Virtual Card - Shop Online Today No fee Domestic Purchase/Signature Transactions No Fee to Check Your Balance With a Text Message Free Mango iPhone App (Download from iTunes Store) Renters Insurance Available to Mango Cardholders $5 Monthly Fee - Reimbursed when You Load at Least $500 Per Month

How To Add Money

You can load money onto the account be signing up for direct deposit. This will allow you to have your paycheck automatically deposited into the account. Instead of receiving a paper check from your employer your check will be electronically deposited into the account and it will be available to you right away. There is no charge to sign up and you can sign up at any time, even after you are already a customer. When you open a new account you have the option to fill out a direct deposit form to get the service started or you can sign up via the website.

You can also load cash onto your Mango MasterCard Prepaid Card by purchasing a Green Dot® MoneyPak®, which is a way to convert your physical cash to electronic cash when loaded onto your prepaid debit card. With money loaded on your prepaid debit card, you can shop online or in stores with no high fees and no interest. You can get a MoneyPak® at one of tens of thousands of retailers nationwide from the Prepaid Product Section. It’s easy to load all you do is just follow the direction on the package and Green Dot will add the money to your Mango Card. Your funds will be instantly available. MoneyPak® is available such places like Kmart, CVS, Walmart, Walgreens, and RiteAid.

You also have the option to transfer money from a bank account to your Mango™ MasterCard® Prepaid Card account. To transfer your account funds to your prepaid card, you will need to login to your bank account, select transfer, and then enter your Mango Account number when asked where you’d like to send your money. If you don’t know your Mango Account number just login to your Mango Account and click “Send Money”. (Note: Your Mango Account number is NOT your Mango Card number.)

How to Apply for the Mango™ MasterCard® Prepaid Card

All you have to do is sign up online to get a card. Your Mango Card will arrive in the mail 7-10 days after you order it. To activate your card, just call the number on the card or go to the web site. Once you activate your Mango Card, you can begin using it immediately. From there you load your card either through the direct deposit or through a cash deposit.

To get started, visit the Mango™ MasterCard® Prepaid Card official website.

Green Dot Money Pak is a safe and reliable way to reload your prepaid card, send funds to a PayPal account or make same day payments to a company. To get started all you do is to visit one of the thousands of locations nationwide that sell the Green Dot Money Pak. These locations include places such as: WalMart, Walgreens, CVS, Rite Aid, KMart, 7 Eleven, Kroger, Meijer, Ralph’s and Winn Dixie. Once you at one of the participating locations, all you have to do is purchase a Money Pak card, which should be located in the Prepaid Product Section or Green Dot Display, and load it with cash. You can only use cash to load the card and anything else will not be accepted. It cost $4.95 or less to buy the Money Pak card plus the amount to be available on your MoneyPak card. For example you want to load the card with $150 it will cost you $154.95 (or less based on the cost of the Money Pak).

Reloading Your Prepaid Card

You can reload most prepaid cards through the Green Dot Money Pak, but be sure to check with your prepaid company first just to make sure. Some prepaid companies set limits and restrictions on how much can be added to the prepaid card so you should find this information out first too. From there all you do is visit www.moneypak.com or call 1-800- Greendot and select the “To Reload” your “PrePaid Card” option. You will enter your prepaid card number and then your money pak number. Once your reload is complete the money will be available on your prepaid card right away. If you want to verify the reload was successful you can call the customer service number on the back of your prepaid card.

Same Day Payments

MoneyPak can also be used for same day payments. It works for both online payment or payments by phone at anytime. You should check ahead of time and make sure the company your making a payment to accepts payments from MoneyPak. Making a payment is easy and there are no forms to fill out. All you do is visit MoneyPak.com, find the company you want to make the payment to and follow the instructions to complete your payment. You can pay such service providers as phone, satellite TV, credit cards, and more. If you would like to verify your payments was received you can call your company’s customer service department and verify they received the payment.

Adding Funds To PayPal

There are essentially two easy steps to adding funds to your PalPal account from your MoneyPak card. First log into www.PayPal.com and click add funds “from a Green Dot MoneyPak” option. Enter your MoneyPak card number to transfer funds to your PayPal account and the funds will be available immediately. When adding money to your PayPal account via MoneyPak, your starting limit is $250 a year. You can fund up to $2,000 a month by providing your name, address, date of birth and Social Security Number. Green Dot will collect, verify and record this information on behalf of PayPal. This information WILL NOT be used for a credit check or marketing purposes.

It Works Like Cash

Your MoneyPak Number works just like cash so keep it safe just like you would cash. Transactions cannot be reversed, so only give the number to a trusted recipient. Once the MoneyPak is lost there is no way for it to be traced or recover the money. Green Dot is not responsible for the quality or non-receipt of any goods or services. Here are some helpful tips to better protect you from fraud.

• MoneyPark should ONLY be used to reload your prepaid cards or accounts you control.
• Beware of deals or opportunities that seem too good to be true.
• Beware of any offers that do not accept credit card payments and asks for you to purchase a MoneyPak and provide the MoneyPak Number in an email or over the phone.
• When using MoneyPak with PayPal for eBay or other online merchants, transfer the money to your PayPal account first before paying the merchant. DO NOT email the MoneyPak Number directly to the merchant.
• Never use a MoneyPak to pay for taxes or fees on foreign lottery winnings, grants, or any offer that requires you to pay first before getting something back.

Get A Green Dot Prepaid Card

The Green Dot Prepaid Cards come in both a Visa and MasterCard. To apply for the cards just click the blue apply now button to get started.

Green Dot® Gold PrePaid Visa®
	$0 activation online - with no credit check No minimum balance Free Online Bill Pay Free Direct Deposit No overdraft fees Access to over 22,000 MoneyPass® ATMs
Purchase Intro APR Purchase Intro APR Period Balance Transfer Intro APR Balance Transfer Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A N/A N/A N/A up to $5.95 monthly fee N/A No Credit Check

Green Dot® PrePaid MasterCard®
	$0 activation online - with no credit check No minimum balance Free Online Bill Pay Free Direct Deposit No overdraft fees Access to over 22,000 MoneyPass® ATMs
Purchase Intro APR Purchase Intro APR Period Balance Transfer Intro APR Balance Transfer Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A N/A N/A N/A up to $5.95 monthly fee N/A No Credit Check

The READYdebit Platinum Visa Prepaid Card gives you the convenience of a Visa card and has a 100% approval guaranteed. This card does not report to any credit bureaus so it will not help or hurt your credit rating. If you are looking for a card that reports to a credit bureau there are other prepaid card options available. Using a prepaid card is safer than cash and the Visa Zero Liability policy*** protects your READYdebit Card from unauthorized charges if your card is lost or stolen.

Get Your Premium Benefits: Exclusive Rewards Program Free Credit ScoreTracker* Easy Mobile Banking and Text Alerts Easy Online Bill Payment & Check Writing Free Direct Deposit - paycheck, benefits, tax refunds No Credit Check, No Overdraft Fees or Balance Minimums Reloadable up to $10,000 Max Balance and Deposit is fully FDIC insured

100% Approval Guaranteed

The only requirement to obtain a READYdebit Platinum Visa Prepaid Card is that they can validate the information you when you open your account. Even if you’ve been turned away or rejected by banks you can still get a READYdebit card. There is no credit or chexsystems checks to worry about. See their disclosure below for more details.

Loading Funds

There are several ways to add money to the READYdebit card. The easiest way is to sign up for direct deposit. It’s free, easy, and saves you money—you’ll avoid check cashing fees. You can deposit your tax refund, SSI and other benefit payments to your READYdebit Card. Just keep in mind your balance cannot exceed $10,000 at any time and READYdebit can only accept tax refunds in the name of the cardholder. You can also add cash on your READYdebit card at tens of thousands of retail locations, including Wal-Mart, Rite Aid, CVS/pharmacy, Walgreens, Kroger, RadioShack, and many others.

With this card you can use PayPal transfers and ACH transfers. You should plan on 1-3 business days for READYdebit to receive and post the funds. The funds will come out of the transferring account immediately and then travel through the Federal Reserve. Once READYdebit receives the funds, they will post them to your account.

Credit ScoreTracker

We now offer you a new way to track your credit score and a unique way to benefit from it. A credit score is one of the most important components of a consumer’s financial profile. At Ready Financial we believe that being informed about your credit score will help you make better financial choices and SAVE MONEY! ScoreTracker is absolutely FREE to all READYdebit customers using direct deposit! Not on direct deposit?

Mobile Banking

With the READYdebit Platinum Visa Prepaid Card, you are always in touch with your money. You can manage your account right on your mobile phone: Check your balance – anytime, anywhere, Initiate bill payments – pay anyone right from your phone, See your account statement – review your recent activity.

Additional READYdebit Platinum Visa Prepaid Card Details

• Free Direct Deposit your paychecks!
• Account is fully FDIC-insured up to the balance of your card
• Easy cash reloading at 50,000+ retail locations
• Share money between two READYdebit cards instantly
• No credit or Checksystems™ checks
• No bounced checks – Ever!

How to Apply for the READYdebit Platinum Visa Prepaid Card

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official READYdebit Platinum Visa Prepaid Card website. From this page, you can click on the apply now button to go to the READYdebit Platinum Visa Prepaid Card secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the READYdebit Platinum Visa Prepaid Card official website.

The SmartyPig Cash Rewards MasterCard is a prepaid debit card that can be to make purchases anywhere MasterCard debit is accepted. The card can be used to make online, phone or mail order purchases and it can also be used at ATMs worldwide just like any prepaid card. The SmartyPig prepaid card is a unique prepaid card because it is linked to your SmartyPig Account. You have to have a SmartyPig account in order to be have the prepaid MasterCard. A SmartyPig Account is an online savings account that allows you to set savings goals for yourself and once you meet your goal you can cash out your account by having the funds placed on the SmartyPig Prepaid MasterCard. Here are some of the benefits of the card:

• Earn Cash Back
• No Credit Check
• Used Anywhere MasterCard Debit Is Accepted
• Low Card Fees

Loading Funds
You load funds to your card directly from your SmartPig Account. You have two options for funding your SmartyPig Cash Rewards Card. You can transfer all or part of a SmartyPig goal to your SmartyPig Cash Rewards Card or you can request funds be transferred from an existing SmartyPig funding source which would be a bank account. You may transfer money from your SmartyPig goal to your SmartyPig Cash Rewards Card one time per calendar month. This prepaid card works differently than traditional cards because it works in conjunctions with your SmartyPig and you have to have an account in order to transfer funds to the prepaid card.

Cash Back Offer
The card does offer a cash back rewards program. You can earn up to 10% cash back and you don’t need to activate or register for the cash back offer. All you do is use your Cash Rewards Card and if your purchase qualifies, your cash back savings will show up right on your Card within 90 days. To get the cash back you have to make signature transactions and not PIN transactions. There are over 9,000 participating retails and you can view the participating retailers from your online account.

How To Apply
Applying for the card is easy, but you must be a registered SmartyPig account holder to in order to be eligible. You may request a SmartyPig Cash Rewards Card when you set up your account initially or you may request a card when you are ready to cash in your savings. There is a $4.95 fee for the initial card. You have to be either a U.S. citizen, a U.S. permanent resident alien with a green card and social security number or resident with a social security number. There is no credit check required for this card and your credit history is not a factor, even if you have bad credit.

SmartyPig Cash Reward Card Fees
The table below highlight the card fees associated with using the card. To see a complete list you should refer to the card terms and conditions. You can apply for a SmartyPig Online Savings Account online.

The Kardashian Prepaid MasterCard® is a prepaid card that allows cardmembers to make purchases anywhere MasterCard is accepted. With the card you can also make ATM withdraws and you can send and receive money from your mobile phone. Since this card is a prepaid card, everyone is eligible for this card regardless of your past credit history, even if you have bad credit. You add funds to the card and you balance is based on the amount you deposit to your card account. Once you spend the funds you can add more. Prepaid cards are often used as an alternative to using a traditional bank account or even credit card. You can not overdraft the account so there won’t be any overdraft fees and there is no minimum balance needed. Here are some of the card features:

• Pay bills online or over the phone – no more time-consuming trips to pay your bills
• Enjoy the ability to make hotel and airline reservations and reserve a rental car
• Make purchases online, over the phone, at gas stations, or retail locations 24/7
• Enjoy convenient methods of loading and withdrawing funds
• Receive SMS and Email alerts

Kardashian Prepaid Card Details
This prepaid card offers two different pricing options. For the 6-Month Program, the cost is $59.95. This option provides for a savings of $2.70 over the period of the first six months. For the 12-Month Program, the cost is $99.95. This option provides for a savings of $10.40 over the period of the first twelve months. There are also other fees associated with using this card which are highlighted in the table below.

Loading the Card
The card gives members several options when it comes to loading funds to your card account. You can have your pay check automatically deposited to your account each pay day by signing up for direct deposit. You can also have tax refunds, disability payments and other government benefits such as Social Security payments or unemployment can be loaded onto the card. In order to do so, you will need to provide your card number, as well as the bank routing number. You can load cash onto your card by visiting any of the 25,000 MoneyGram locations in the United States. Cardholders can also transfer funds from an existing checking or savings account, credit card or debit card as well. A funds transfer made from a checking or savings account (ACH) will be credited to your card account instantly and this is free. Also, instant transfers can be made from a credit card or debit card, however, a 2.5% fee of the deposit amount will be assessed for that option.

Kardashian Mobile Feature
The most unique feature of this card is that you can transfer funds via your cell phone directly from the Kardashian Kard. As a cardholder you can share funds via your mobile phone to the recipient’s mobile phone number and the recipient will receive a text message advising them that money was sent to them by the cardholder with a website address and access code to retrieve the money. You can also get a variety alerts about your card account sent to your phone through a text message. Here are the different type of alerts you can receive about your account:

• Daily, weekly and monthly balances
• Transaction alerts at customizable amounts
• Direct deposit load notification
• Withdrawal and transfer notification
• Purchase notification
• Low balance warnings

Kardashian Prepaid MasterCard® Fees
There are fees associated with using this prepaid card. To see a complete list you should refer to the card terms and conditions. The table below highlights some of the card fees. You can apply for the card online today.

The BuyRight Prepaid MasterCard® is a prepaid card that allows you to load funds to and then use the card to make purchases everywhere MasterCard debit is accepted. The card is available to anyone regardless of their credit history, even if you have bad credit. The card is not a credit card and can only be used when you add money to the card. Once the funds are gone you just add more money to the card. The card offers some traditional banking options like direct deposit and online bill pay. This prepaid card even has a rewards program known as the BuyRight Rewards Program. For those that are in the market for a prepaid card, the BuyRIGHT Prepaid MasterCard® might be a good choice. Here are some of the card features:

Get access to your money up to 2 days faster* with Free Direct Deposit New - Choose your card design at no cost Guaranteed Rewards - Earn when you spend for Prepaid Cell Minutes, iTunes, RedBox, Starbucks and More** Online Billpay - pay bills, rent, or write personal checks No credit check, No bounced check fees, No overdraft fees - Ever! Travel in style - Rent cars, reserve hotels, shop online safely.

The BuyRIGHT Prepaid MasterCard® can be used anywhere MasterCard debit is accepted. You can make purchases with the card, shop online, or pay bills. Adding money to the card is easy and convenient especially if you use direct deposit. The card offers a rewards program for cardmembers and even offers a bonus offer when you refer your friends or family members. The card offers a resource center for members which provides them with credit advice and information on how to improve their credit.

Nice Bonus Offer

As an incentive to become a cardmember, the BuyRight card offers a special bonus to users. If you refer a friend or family member, they apply for the card and get approved, then you get a $25 bonus added to your account. You can actually refer up to 50 people which means you could get a bonus of $1,250. This is a nice way to put some extra cash in your pocket.

Adding Funds To The Card

There are a several ways you can add money to the card. Let’s take a look:

BuyRIGHT Prepaid MasterCard® Rewards

It’s nice to see prepaid cards get into the rewards game. The card offers a rewards program in which you can earn BuyRIGHT Points. You get these points when you use your BuyRIGHT Prepaid MasterCard for everyday spending. With the BuyRIGHT Points you can cash them in towards the purchase of wireless airtime, internet, long distance, ring tones and music downloads. You earn 1 BuyRIGHT Point for every $1 you spend and you can check to see how many points you have by going to www.MyBuyRIGHT.com and logging in to your account. You can use your points towards things like the purchase of prepaid wireless airtime with Verizon, TracFone, Cingular and AT&T. You choose how you want to use your points by logging in to your online account.

Online Bill Pay

The card offers an online bill pay service called Click-n-Pay. This allows you to make one time payments or reoccurring payments to any company or person. All payments are made electronically unless the company or person your making the payment to does not accept electronic payments. In that case BuyRight issues a paper check on your behalf. Once you make a payment the balance is deducted from your account automatically. Electronic payments are always free, but a check payment cost $0.50 per check.

BuyRIGHT Prepaid MasterCard® Fees

The card is a prepaid card so you won’t ever be charged interest, late fees, or overdraft fees, but there are still fess you should be aware of. The table below illustrates some of those fees, but you should refer to the terms and conditions of the card for a complete list. You can apply for the card online today.

How to Apply for the BuyRIGHT Prepaid MasterCard®

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official BuyRIGHT Prepaid MasterCard® website. From this page, you can click on the apply now button to go to the BuyRIGHT Prepaid MasterCard® secure online application. The application takes just a few minutes to complete.

To get started, visit the BuyRight Prepaid MasterCard® official website.

The READYdebit® Card is a prepaid card that offers some of the same benefits a traditional checking account offers, but without the possibility of overdrawing the account. Using the card is a safe alternative to using a checking account or even a credit card. The card is available to anyone regardless of their past credit history and the card is accepted anywhere Visa debit is accepted. The card offers two different billing plans and the card offers a variety of ways for cardmembers to add funds to the account. Here are some of the card benefits:

• Instant Account Number
• Free Credit Score
• Free Direct Deposit – paycheck, benefits, tax refunds
• Free Unlimited Purchase Transactions
• Free Online Bill Payment & Check Writing
• No Overdraft Fees or Balance Minimums
• 100% Guaranteed Approval* – No Credit Checks
• Choose Your Card Color – Blue or Pink

READYdebit® Visa Prepaid Card
The READYdebit® Visa is not a line of credit which means everyone is eligible to apply for the card. Your card balance is determined by the amount of money you deposit on the account. Many people use the READYdebit Visa Prepaid Card as an alternative to a traditional checking account because there are no overdraft or negative balance fees. The card offers online bill pay which allows you to pay bills to just about any company, even those that will only accept paper checks. With this card you can’t build positive credit because this card does not report to any credit bureaus so it will not help or hurt your credit rating. If you are looking for a card that reports to a credit bureau there are other card options available.

Select vs. Basic Plan
The card offers two different plans and you choose the one that works best for you. The Basic Plan is $4.95 per month and the Select Plan is $8.95 per month. The Basic Plan has a lower monthly fee, but you pay .95 for “debit” purchases (those transactions you make when you enter in your PIN). You are not charged this fee if you do signature or credit transactions (those purchases where you don’t use your PIN). With the Basic Plan, you can use your card as a credit where you provide a signature and you are not charged a fee. When you use the card as Debit and use your PIN, then you are charged .95 per PIN transaction. With the Select Plan you pay a higher monthly fee, but there is no fee for using your card for “debit” or “credit” purchases. With the Select Plan, you can also have a Secondary Cardholder for a one time fee of $10. This is not available with the Basic Plan. With the Select Plan, when you have your paycheck direct deposited to your account, you can use the Online Bill Pay for FREE. Without Direct Deposit, this service is $4/month for each month you use it. See the fees below to see what each card charges.

Loading Money
The best way to load funds to the card is to sign up for direct deposit. It’s free, easy, and saves you money becuase you will avoid check cashing fees. You can deposit your tax refund, SSI and other benefit payments to your READYdebit Card. There are some restrictions when it comes to your balance, for example, your balance cannot exceed $10,000 at any time. You can add cash on your READYdebit card at tens of thousands of retail locations, including Wal-Mart, Rite Aid, CVS/pharmacy, Walgreens, Kroger, RadioShack, and many others. With this card you can use PayPal transfers and ACH transfers. You should plan on 1-3 business days for us to receive and post the funds. This card does not accept Wire Transfers, Western Union, or Money Gram transactions.

READYdebit® Visa Fees
To get a complete list of the READYdebit® fees you should review the card holder agreement. Below are some of the fees associated with the card:

100% Approval Guaranteed
The only requirement to obtain a READYdebit® Visa Prepaid Card is that they can validate the information you when you open your account. Even if you’ve been turned away or rejected by banks you can still get a READYdebit card. There is no credit or chexsystems checks to worry about. Federal law requires you to provide personal information like your name, address, phone number and social security number. You can easily apply online at anytime and be approved right away.

The Prepaid Visa® Purple Diamond RushCard is a prepaid card that allows you to add money to the card and then use the card anywhere Visa debit is accepted. The card is available to anyone regardless of your credit history. It doesn’t matter if you have good or bad credit you can be a cardmember. This card is part of the RushCard series that was created by Russel Simmons. As a bonus, anytime you refer a friend and they become a card member you get $5 deposited into your account. The card offers members a variety of perks and offers several free services. Here are some of the features of the card:

• 100% Guaranteed Approval – No Credit Check
• Free card with direct deposit (by 4/15/11)
• Free direct deposit & $0 Activaiton fee
• Only card that lets you change your fee plan whenever you want to
• Free prescription discount card
• Free credit builder
• Easy Bill Pay – pay bills, rent, or write personal checks
• Card to card transfers

Purple Diamond Rushcard
With the Purple Diamond Rushcard you can only spend what you deposit into the account, so there are no overdraft or interest fees. It is an easy and a convenient alternative to using a credit card or a traditional bank account. You can use your RushCard without the worry of going into debt or overdrawing your account. You can use the card anywhere that Visa is accepted. Each time you make a purchase, that amount is automatically deducted from your RushCard balance. This card is available with the monthly plan option which gives you a fixed monthly fee that gives you unlimited free signature transactions and two free ATM with draws each month.

How To Add Money
There are several ways you can have money added to your account. You can automatically have all or a portion of your paycheck deposited to your card account or you can add cash to the account anytime.

• Direct Depost: You can sign up for the free direct deposit and have your paycheck automatically deposited into your account. Your paycheck will be electronically deposited into your account each pay day. This is a safe convenient way to get your paycheck and you won’t have to pay a fee like you do when you have to cash your check.
• Cash Deposit:You can make a cash deposit with MoneyGram® ExpressPayment® service to fund your RushCard* at approximately 40,000 MoneyGram agent locations nationwide, including most Walmart and CVS/pharmacy. MoneyGram charges a fee of $3.95 for this service.
• Tax Refunds:You can have your Federal and State Tax Refunds direct deposited to your RushCard for FREE which will get you your refund faster than traditional refunds. You can enter this information whether you are filing online, by mail, or through your local tax preparer.
• Check or Money Order: You can add money to your RushCard for FREE by mailing a check or money order to UniRush Financial Services. All checks undergo a verification hold of up to 10 days from the time we receive your check before the funds will be posted to your account.
• PayPal: Transferring funds from your PayPal account to your RushCard is easy and FREE. You must set up and confirm your RushCard in order to transfer funds. To set up your RushCard, login to your PayPal account and select “Withdraw” from the My Account tab. Click “Withdraw funds to your bank account” and select “Add Bank Account.”
• Bank Transfer: If your financial institution offers electronic bill pay service, you can transfer money from your bank account to your RushCard by setting up RushCard as an online payee. Your financial institution will create a paper check and mail it to us for deposit. All checks undergo a verification hold of up to 10 days from the time we receive your check before the funds will be posted to you account.

Credit Builder
One feature this card offers is a free credit builder service. The RushPath credit builder helps you build credit history every time you pay your bills with your Card. You can pay your bills like utilities, rent, phone, etc. The option to pay your bills is free to all cardmembers and there is no enrollment process necessary. The RushCard automatically reports your payment history to LexisNexis® and PRBC®, a national credit reporting agency. These credit reporting agencies will create a file for you to report positive credit. At some point when you apply for a credit card, lenders may use your credit information obtained by one of these lenders. You have to enroll for the RushPath credit builder service once you become a cardmember.

Purple Diamond Rushcard Fees

How To Apply
The Purple Diamond Rushcard is a guaranteed approval with no credit checks. You can apply online at the Prepaid Visa® Purple Diamond RushCard website.