Credit Card Review & Application
|APR on Purchases:||N/A *|
|Card Issuer:||Meta Bank|
|Card Category:||Consumer (Stored Value)|
|Card Type:||- Card for Bad Credit|
- Guaranteed Approval
- Prepaid Debit Card
- Teen Debit Card
- Reward Card
|Credit Needed:||Bad Credit OK*|
The iBankup prepaid Visa Card is the next level of prepaid debit cards. Having this card gives you all the benefits of a checking account and a debit card all rolled into one. For a small monthly maintenance fee you get great benefits such as bonus cash back points and no annual fee. You are guaranteed approval. This is the cheap alternative to a checking account at a bank. Parents, this is the perfect card for your teenager as it lets you determine their spending limit. Your child still gets the benefit of learning how to manage money and credit cards.
You get free direct deposit and the card is reloadable online or at variety of retailers nationwide. The card is linked to a money management portal with online access. You can also use MoneyPak to load your money onto the card. The sign up is so easy you can do it in less than five minutes. The step by step instructions are so thorough that a child could do it. Once you have signed up and chosen your card colors you will receive your confirmation and direct deposit information. This can be emailed to your email account or directly to your employer.
You receive bonus cash back points from the first moment that you load your card. You also get to choose your online access ID and password right then and there. It will take a few business days to receive the card in the mail but you can load it even before you get it. Because these IBankup Upside Cards are for everyone, there is never a credit check.
iBankup prepaid Visa Card features include: Free Direct Deposit, Mobile and FaceBook Access, Load Cash Easily, "Get Rewarded", True Balance Tracking, Worldwide Acceptance, Virtual Check Book.
The features listed above are for all cards issued. You have free direct deposit; it doesn’t matter if it’s an employer or a government issued check. Balance tracking online and the card is accepted anywhere Visa is. Cards bearing the Visa logo are accepted around the world. You get the added bonus of cash back bonus points.
It is so easy to get these points you get your first points just for online activation and another set for your very first direct deposit. You get points for shopping at the upside mall online and other venues. Orbitz, iTunes, and others will give you a great percentage of cash bask bonus points. The cash back gets credited to your prepaid card account and you can use them anyway you like
This is the perfect card to avoid the hassles associated with banking the old fashioned way. Apply for yours today and in a couple of business days you will be ready to start earning those cash back bonus points.
The review prepared by CreditCardsCo™. Opinions expressed therein are solely those of the reviewer.
|Other Benefits:||- All the features of a checking account, even if you have bad or no credit.|
*See terms and conditions of the card
|Comments:||The maximum balance cannot exceed $10,000.00. Monthly maintenance fee is $0.99 if a minimum amount of $500 is loaded to the card within the calendar month. Otherwise a $2.99 fee applies each month.|
|Online Account Access:||Yes|
|100% Guarantee Approval:||Yes|
|APR on Purchases:||N/A *|
|Late Payment Fee:||N/A*|
|Additional Fees||Foreign currency conversion: 2% (in addition to the currency conversion rate)|
Account closure fee - None
Activation fee - None
Annual fee - None
Automated phone inquiry (per call) - $0.99
Balance inquiry fee - $0.99
Companion card (balance over $1000) - FREE
Companion card (per month) - $1.99
DDA load fee - None
Decline fee on ATM withdrawal - $2.00
Decline fee on POS - None
Express delivery (surcharge) - $14.95
Inactivity fee - None
Monthly fee (balance $25-$500) - $2.99
Monthly fee (balance over $500) - $0.99
Negative balance fee - None
Online customer support - FREE
Purchase transaction fee - None
Standard delivery - $9.95
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† The information provided for iBankUP Prepaid Visa Card is believed to be accurate at the time of evaluation (Mar 23, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.