Credit Card Review & Application
| Intro APR: | N/A* |
| Intro Period: | N/A |
| APR: | N/A* |
| Annual Fee: | $0.00* |
| Issuer: | BANKFIRST |
| Card Network: | VISA® |
| Card Category: | Consumer (Stored Value) |
| Card Type: | - Card for Bad Credit - Co-Branded Credit Card - Low Interest Credit Card - Prepaid Debit Card - Reward Card |
| Credit Needed: | Bad Credit OK* |
The First Vineyard MasterCard Debit Card is just like any other debit card. The only major difference is that you are required to top up the card before you can spend it. Instead of having to use your bank cards that are linked directly to your fund supply, having a master card debit card will ensure that you are at less risk. If anything were to go wrong i.e. your card went missing, you would not have to worry about all your funds being lost. This particular card can be used at any outlet where master card debit cards are accepted. These include over a million merchants and ATM's both here in the United States and across the entire globe. To get approved for this card the only legal requirement is that you are a resident of the United States and are the legal age of eighteen. Ideally you must also have a social security number as well.
The great thing about this master card debit card is that approval is guaranteed. There are no credit checks or verifications. You can add funds to this card through various means. Some of these include payroll direct, paypal, money order, wire transfer and through over 50,000 merchants across the country. With this card, you are also provided with a toll free number service that you can call any time. It is available 24 hours a day. Using this service will allow you access to important information that includes checking your account balance and listening to detailed information in regards to your previous transactions.
The benefits of this master card debit card are endless. It even allows you to share money with another person that has this card as well. Unlike many other cards there is no annual fee that you have to pay. There is only a one of activation fee of $35.95. The card is shipped through regular mail which is free. However if you would like express mail, it will cost an extra $15 per card. Other benefits that the card offers, which are also free include online card management, card to card transfer, real time spending summary and many more.
Seeing that this card can be used abroad in other countries as well, there is a very small transaction charge of $0.50 per sale/transaction. Any sale made in the United States is free from transaction costs.
| Reward Type: | - Cash Back Reward Cards |
| Reward Unit: | Cash |
| Reward Unit Value: | $0.01 |
| Reward for $1 spent: | 1.00 |
| Rewards: | - 1% cash back on every dollar you spend - 1% cash back on every dollar spent online through the First Vineyard MarketPlace ™ - Receive $25 when you refer a friend and get cash back for their everyday spending |
| Expiration: | None |
| Yearly Limit: | None* |
| Other Benefits: | - Powerful online account management tools - Real-time account details - Real-time spending summary - Send money to any First Vineyard member, FREE - Click-n-Pay™ - pay any bill, even if your biller doesn't accept Master Card - Toll-free 24-hour account information line - Convenient options for adding cash |
| Credit Reporting: | Yes |
| Online Account Access: | Yes |
| Introductory APR: | N/A* |
| Introductory Period: | N/A* |
| APR on Purchases: | N/A* |
| Annual Fee: | $0.00* |
| Grace Period: | N/A* |
| Late Payment Fee: | N/A* |
| Balance Transfer: | No |
| Opening Minimum: | $10.00 |
| Application Fee: | $39.95 |
| Additional Fees | Account Information Line - $0.00 Account Statement by Mail - $3.00 Bank Wire Transfer - $4.95 Cancellation Fee - $15.00 Card Replacement - $15.00 Card-2-Card Transfer - $0.00 Cashier's Check Reload - $0.00 Click-n-Pay™ (Paper Check) - $1.00 Direct Deposit - $0.00 Electronic Funds Transfer (Confirmed) - $1.95 Electronic Funds Transfer (Trial) - $3.95 In Person Payments (IPP) - $3.95 International Transaction - $50.00 Money Order Reload - $0.00 Monthly maintenance Fee - $6.95 Point of Sale Transaction - $0.00 Returned Check - $25.00 Telephone Support (per minute) - $0.06 U.S. ATM cash withdrawal - $2.00 U.S. ATM inquiry fee - $1.00 U.S. non-ATM cash advance - $4.50 Western Union® SwiftPay® - $5.95 |
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† The information provided for First Vineyard MasterCard Debit Card is believed to be accurate at the time of evaluation (Feb 3, 2010). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

