Specifics

• Introductory Rate: No Introductory Rate Available
• Applied Towards: None
• APR (Purchases)**: n/app The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): n/app There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: n/app
• Annual Fee: None
• Additional Cardholders: n/app**
• Grace Period: n/app
• Minimum Credit Limit: n/a
• Maximum Credit Limit: up to $10,000
• Late Payment Fee: n/app
• Over-The-Limit Fee: $29
• Cash Advance Fee: $2 U.S. ATM transaction fee (1 free cash withdrawal per month); $4.95 bank teller cash advance and international ATM transaction fee
• Balance Transfer Fee: n/app

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: n/app (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: n/app

Review

Pre-paid card that does not require a banking account, but does require advance payments. The processing fee is $19.95. The monthly fee is $4.95 ($59.40 per year). $.50 transaction fee for each purchase with the card. However, there is a free bill pay service for the first 7 transactions each month. $2 U.S. ATM transaction fee (1 free cash withdrawal per month). One of the best features is access to a free credit builder service; this reports bill payment info to a national credit reporting agency, which can help build your credit score. Last Modified Date: 2/11/2010 12:00:00 AM

Additional Perks

Access to free credit builder program.
Free bill pay service for the first seven transactions per month.
No liability for unauthorized transactions.
See website for additional benefits.
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Important Notations

This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan). **The account set up fee of $9.95 is waived with direct deposit loads. The direct deposit limit plus the cash deposit limit is the maximum deposit. There is no transaction fee for U.S. purchases. $1 fee for ATM balance inquiries. $1 fee for international purchases. No credit checks or turn downs. No employment verifications. Must be at least 18 and a U.S. citizen or permanent resident. See website for complete terms and conditions of card usage and application disclosure.

**See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.