Credit Card Review & Application
|APR on Purchases:||N/A *|
|Card Issuer:||Other Issuers|
|Card Category:||Consumer (Stored Value)|
|Card Type:||- Card for Bad Credit|
- Instant Decision Card
- Prepaid Debit Card
- Reward Card
|Credit Needed:||Bad Credit OK*|
The KAIKU Visa Prepaid Card is a card that doesn't require a credit check or an application fee. The online application can make it easy for a person to get a card within a matter of seconds. There are no minimum balances required and no purchase fees involved. Cardholders can simply have a safe way to store and access their cash.
Not having cash can be a way to save money. The use of the KAIKU Card prevents a person from losing cash or having it stolen. The card features an advanced fraud detection stem as well as Visa’s Zero Liability Policy This means that any fraudulent charges are not the responsibility of the cardholder.
Loading money onto the card is easy. Direct deposit can be set up with an employer. Cash loading locations are available at MoneyGram® or Visa ReadyLink™. Money can also be transferred to and from other KAIKU accountholders for free, while you can also send money from your PayPal™ account for free, too.
Spending money is also simple. With the Visa logo, it's possible to use the card around the world. Millions of merchants accept Visa over any other credit card. Purchases can be made online, via telephone or in-person. When cash is a necessity, in-network Allpoint ATM machines offer a surcharge-free experience to take out what is needed on the account.
Managing the account is easy as well. Cardholders can have the option of downloading a mobile app to their Smartphone. Online account tools are secure with a secure login to cardholders. There are also text alerts that you can receive in order to find out when the card has reached a low balance or when it's time to load more money onto the account.
The KAIKU Card is more affordable in comparison to other cards available in the marketplace. There are no purchase fees, no late fees, no minimum balance, and no chance for lost or stolen cash.
The card provides peace of mind. There's Visa's Zero Liability Policy which protects against fraudulent transactions, and all personal information is encrypted by VeriSign. Further, there is advanced fraud detection system monitoring on the account at all times. Free customer service is available 24/7 with live representatives as well. This makes it easy to ask for account details, make a transaction or ask questions.
A prepaid card ensures that a person isn't going into debt. The KAIKU Card is packed with features, making it easy to manage money.
|Rewards:||- Get $10 with KAIKU Karma when each friend you refer spends at least $100 within 3 months of activating their card.|
|Other Benefits:||- FREE Customer Service|
- No credit check
- No purchase or activation fees
- No late or inactivity fees
- No minimum balance
|Online Account Access:||Yes|
|APR on Purchases:||N/A *|
|Late Payment Fee:||N/A*|
|Additional Fees|| |
ACH Transfer to Bank Account Fee - $0.95
Additional Card Fee - $2.00
Card Activation - FREE
Card Fee - FREE
Card Reissue Fee - $3.95
International Transaction Fee - 1.5%
KAIKU Credit Card Loading Fee - 3%
Monthly Charge - $1.95
Monthly Paper Statement Fee - $2.95
Over-the-Counter Cash Withdrawal - $4.95
Replacement Card Fee - $7.95
in-Network ATM Balance Inquiry - FREE
in-Network ATM Decline Fee (Domestic) - $0.95
in-Network ATM Decline Fee (Int'l) - $1.45
in-Network ATM Withdrawal - FREE
|We do not offer online application for this card at the moment.|
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† The information provided for KAIKU Visa Prepaid Card is believed to be accurate at the time of evaluation (Jan 11, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.