Credit Card Review & Application
- Get $50 bonus on your first direct deposit of $200
- Monthly Fee and Pay-as-you-go plans
- Get Paid 1-3 Days Earlier
- Optional Overdraft Protection – because mistakes can happen
- Always Know on the Go – Text Alerts update you in real-time
- FREE Direct Deposit and FREE sign-up
- No credit check and No bank account required
- $0 activation fee
|APR on Purchases:||N/A *|
|Card Issuer:||Urban Trust Bank|
|Card Category:||Consumer (Stored Value)|
|Card Type:||- Card for Bad Credit|
- Guaranteed Approval
- Prepaid Debit Card
- Reward Card
|Credit Needed:||Bad Credit OK*|
Prepaid debit cards are quickly growing in popularity these days, perhaps because consumer confidence in the financial district is declining. Outrageous credit card fees and interest rates probably have something to do with it.
Of course, in this highly integrated world, you have to have some kind of plastic if you want to survive. Thankfully, though, you do not have to rely on credit cards, and you can opt for prepaid debit cards, which offer much simpler benefits without all the fees, interest rates, and confusion.
The Insight MasterCard Prepaid Card works just like a credit card because it bears the MasterCard logo. This means that you can use it at millions of places around the world as well as on the internet. While it shares this convenient characteristic with traditional MasterCard credit cards, you will not have to worry about paying things like interest on any of your purchases.
At the same time, you can save money with this prepaid MasterCard because there are many optional features like overdraft protection. This ensures that you will be able to use your card during even the most desperate of times without concern for how much money is in your account.
Overdraft protection ensures that you won't have to pay extreme fees if you do, in fact, go over your limit. It's convenient and also more affordable than similar credit card programs who could charge up to ten times what this card charges in overdraft fees!
Another benefit of an Insight MasterCard comes along with its direct deposit option. Most banks will hold your deposit for as much as three days to verify authenticity. With this card, however, you could find that your deposit clears much earlier, giving you access to your money sooner than any other card. You can also earn a little bonus cash just for setting up your direct deposit so why wouldn't you?
Perhaps one of the most important aspects of any card that you might carry is security. Although you might think that security is not as important because this is a debit card, the remaining balance on your card is still your money. Thankfully, this card is quite secure since it is FDIC insured for up to $250,000.
If all of this sounds good to you then you should head online and begin the application process. Simply provide them with basic information and you could have approval in no time. All they need is your name, address, birthday, contact information, and your social security to verify your identity. Everyone is guaranteed approval because prepaid debit cards do not require income or credit verification.
The review prepared by CreditCardsCo™. Opinions expressed therein are solely those of the reviewer.
|Rewards:||- Get $50 bonus on your first direct deposit of $200|
|Other Benefits:||- $0 activation fee|
- Safer than cash
- No credit check
- No bank account required
*See Terms and Conditions for more benefits
|Online Account Access:||Yes|
|100% Guarantee Approval:||Yes|
|APR on Purchases:||N/A *|
|Late Payment Fee:||N/A*|
|Additional Fees||- Convenience Transfer Fee per $28.50 (account to account transfers from other deposit or loan accounts): Up to $3.50|
- Overdraft Protection Service Fee (if applicable): $0.15 for
every $1 in negative balance created by each transaction up to a maximum fee of $36
ATM Inquiry Fee (domestic) - $1.00
ATM Withdrawal (domestic) - $2.00
Card Issuance Fee - $9.95
Cash Loads at retail locations - $5.00
Monthly Service Fee - $9.95
Over-theCounter Cash Withdrawal - 3.00%
PIN Purchase Fee (Pay As You Go) - $2.00
PIN Purchase Fee - $1.00
Pay As You Go Service Fee - None
Recurring Direct Deposit Load - FREE
Replacement Card Fee - $9.95
Signature Purchase (Pay As You Go) - $1.00
Signature Purchase Fee - FREE
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† The information provided for Insight MasterCard® Prepaid 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.