Some of you might be confused about this card and how it really works and that is why I have put together this RushCard prepaid debit card review.
“Is the RushCard a scam?”
“Can I really make money with this card?”
So many questions and not many answers.
Whether you were introduced to this as a way to pay and get paid without an actual checking account or a way to make some extra make money, I would like to give you all the information you need.
Scam might be some of your thoughts and opportunity might be another.
Whatever the case may be, this review will have you on your way to making the best decision.
What is RushCard?
The RushCard is a prepaid debit card by Visa that allows you to do anything you normally would with a regular credit card.
Pay bills, purchase products, receive money, and get your check 2 days earlier than you normally would.
The company was off to a rocky start as they experienced a major technology outage that caused its members to lose access to their cards.
Many complaints followed and the parent company (UniRush) was fined and ordered to pay $10 million to those who were affected by the outage.
RushCard was then bought out by Green Dot in January of 2017 and they have not received any complaints since.
From what used to be MasterCard is now using Visa and the card allows anyone without a checking account to use their service.
Is There a Fee?
The card does come with a fee, which depends on how you go about activating it.
There is a monthly plan that allows you to make unlimited purchases and there is a “pay as you go” option that charges you a fee for every purchase you make.
It is going to cost you $7.95 with just the card or you can link your bank account and pay only $5.95/month.
If you opt for their pay as you go plan, you will be charged $1 for every purchase you make using your RushCard.
There is also a fee for the card you choose and that is going to cost you an extra $3.95 (one-time fee) unless you opt for their Sequin KLS RushCard.
The fee is charged when you first fund your card and is also a one-time fee.
The main perk about owning a RushCard is the fact that you will be able to use the card for almost everything you do, as Visa is the most accepted card in the world.
You also can receive your checks 2 days earlier than you would if you were to get it deposited into your account, which is beneficial to those of you who need to pay some bills that can’t wait until payday.
There are no fees if you do decide to pay your bills online but this is also standard to most credit cards.
Withdrawing money can also be free but it all depends on the ATM machine you are using.
You are also covered for up to $250,000 if the company decides to close for some odd reason.
There is also no overdraft fee that you would normally encounter with your banks as you are only allowed to use what you have on your card.
Lastly, RushCard comes with a nice little referral program that rewards its members for bringing others into the company.
The RushCard Referral Program
Some of you might have been presented with this card as a way to make some money and that is because you can.
By referring others to the company, you can make $30.
What might sound a little crazier is that they will also make $30 just for joining.
This is really happening and yes, you can make money by simply getting others to join you.
Do keep in mind that becoming apart of the affiliate program requires you to be a member that actually owns one of their cards.
The money will be credited to your card anyways, so it only makes sense.
Getting paid for getting people to join something is always great but why pay to get paid when this type of stuff exists for free?
The Downside to the RushCard
The fees associated with RushCard are obviously hire than most credit card companies and this is one that might balance their referral program.
The $7.95 monthly fee is also one that I am not a huge fan of.
And even if you use the pay as you go feature, you will be charged $1.95 if you don’t have any active transactions for 90 days.
Loading the card can also be a pain in the butt unless you use direct deposit, PayPal, or an actual bank transfer.
You can also use their card to card feature but if you go with a non RushCard card, you will be hit with a $.99 fee.
Depositing cash is possible but you would have to go through a Western Union or some 3rd party that allows you to do it.
Is The RushCard Legit?
RushCard is not a scam.
It is a real company that offers a debit card service and an incentive, so go about what you need or want.
If you are looking to simply use the card, there are better options out there.
Just keep in mind that a lot of people are utilizing the RushCard affiliate program to make money, so if that’s not what you plan on doing, I would go with another card provider instead.
Go with what fits you best.
RushCard is a very convenient card that is great for those of you who are not able to get access to a checking account but do a lot of shopping.
This is especially best for those of you who are looking to make some extra cash but just remember that there are many CPA (cost per action) type programs out there that can pay.
If making money is your reason for joining, I would personally recommend you look into doing some affiliate marketing as there are many CPA type sites that you can make money with that doesn’t require you to pay anything.
I personally promote many CPA offers myself and I learned it all through a program called the Wealthy Affiliate.
So if that is something you are interested in doing, you can always contact me there and I can help you get started with more than just CPA gigs.
Besides that, I hope you got everything you need to know about RushCard through this review.
If you have any questions, feel free to leave them in the comments section below and I will get back to you as soon as I can.
Thanks for reading and good luck!