Credit Card Review & Application

nFinanSe Discover Network Reloadable Prepaid Card


out of 5

- FREE Card – no shipping or application fees
- FREE $5.00 added to card with first value load of $50 or more
- FREE employer direct deposit
- FREE PIN and signature transactions, bank-to-card transfer
- FREE 24/7 bilingual customer service
- FREE purchase and balance notifications sent to cell phone or email address after each use
- Low monthly and reload fees of only $2.95
- Get cash at participating ATMs
- Add money at over 80,000 nationwide locations
- Use at millions of merchant locations nationwide, including online

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: N/A *
Annual Fee: N/A*
Card Issuer: Other Issuers
Card Network: Discover®
Card Category: Consumer (Stored Value)
Card Type: - Card for Bad Credit
- Guaranteed Approval
- Prepaid Debit Card
- Teen Debit Card
Credit Needed: Bad Credit OK*

The nFinanSe Discover Network Reloadable Prepaid Card is a prepaid card that is rather unique. It allows cardholders to spend only what is on the card, thus eliminating over limit fees. Cardholders are also able to shop safely online or have a card that allows them to store emergency funds. For those who may have difficulty opening a checking account, the card can be a great way to effectively manage funds similar to that of a checking account.

There are three ways to deposit cash. One is through direct deposit and the other is by visiting one of Discover's reload centers. Locations can be found by calling the customer service number on the back of the card or visiting the card's website. The card's balance can be checked online, as well as perform overall account management. The last way to deposit cash is a bank- to-card transfer, which is completely free. It is also possible to add funds using Western Union or MoneyGram.

There is a very low monthly fee that is not more than a few dollars. There is also a low reload fee when putting money back onto the card at any time. However, the reload fee does not apply when utilizing direct deposit as your reload method. This fee only applies when visiting one of the reload centers in which there are tens of thousands of locations all over the United States. There is also a low ATM withdrawal fee in addition to any fees the ATM's owner charges at the time of the transaction.

Because this is a prepaid debit card, over limit fees are not an issue. Only the amount that is put on the card can be spent.

There is a maximum amount that can be added to the card the day of purchase and a maximum daily amount that can be added and a maximum amount that can be maintained, which is $5000.

The card is issued by Discover and is considered to be the ideal companion for everyday purchases that those with credit cards wouldn't want on their credit cards. Discover cards are widely accepted worldwide and online. It is a great way to make purchases online and offline, pay bills online and offline, and carry out any other transactions that may need to be completed.

Because this is a prepaid card, there are many fees to not have to worry about such as overdraft and late fees. The card is simply loaded with funds and spent anywhere that Discover debit is accepted.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Rewards: - FREE $5.00 added to card with first value load of $50 or more
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: N/A *
Annual Fee: N/A*
Grace Period: N/A*
Late Payment Fee: N/A*
Balance Transfer: No
Opening Minimum: $10.00
Application Fee: $0.00
Additional Fees  
Application fees - FREE
Balance notifications (cell, email) - FREE
Bank-to-card transfer - FREE
Customer service - FREE
Employer direct deposit - FREE
Monthly maintenance fee - $2.95
PIN and signature transactions fee - FREE
Purchase fee (cell, email) - FREE
Reload fees - $2.95
Shipping fee - FREE

We do not offer online application for this card at the moment.

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† The information provided for nFinanSe Discover® Network Reloadable Prepaid Card is believed to be accurate at the time of evaluation (Aug 6, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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