Credit Card Review & Application

Upside Visa Debt-Free Prepaid Card


out of 5

- Similar to a checking account with a Visa prepaid card
Save up to $220 compared with other cards, the first year alone
- 100% approval with no credit check and no activation fee
$0.99 monthly fee if $500 is loaded each month. (Only $4.95 otherwise)
- Free Direct Deposit from employers or deposit cash at 50,000 retailers
- Write personal checks online: easy to pay rent or other bills
- Earn 1,500 cash back reward points for you first direct deposit load
- Optional companion card available, as if you had a joint checking

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 0.00% *
Annual Fee: N/A*
Card Issuer: Meta Bank
Card Network: VISA®
Card Category: Consumer (Stored Value)
Card Type: - Card for Bad Credit
- Guaranteed Approval
- Prepaid Debit Card
- Tax Refund Card
- Reward Card
Credit Needed: Bad Credit OK*

The Upside Visa Debt-free Prepaid Card is a prepaid card that allows cardholders to stay in control of their spending. This card by Upside is ideal for those wanting emergency cash in the form of plastic money or for parents seeking a way in which to eliminate debt or teach their teenagers how to spend money wisely.

Having an Upside prepaid card has many benefits. Because this prepaid card bears the Visa logo, it can be used at millions of places worldwide, including online and at retail stores. Anywhere the Visa logo is an accepted form of payment, this card can be used. Having plastic money is often safer than carrying cash around, which can be beneficial when traveling or for grocery shopping.

For those cardholders seeking a way to control money, this prepaid card from Upside allows cardholders to control how much money is placed on the prepaid card and ultimately how much money can be spent. Parents can use this card to teach their teenagers how to use plastic money and how to spend money smartly and wisely. In addition, parents can track card activity through an online service that is designed to suit the wants and need of families.

Plus, this Upside Visa prepaid card is better than most prepaid cards available on the market. Cardholders can save up to $220 because it is cheaper than most prepaid cards. Upside also offers one of the lowest prepaid card plans available in addition to a built-in rewards program. Cardholders do not need to accumulate debt through a credit card or debit card. They can earn rewards easily through a prepaid card.

Upside also does not require a balance in order for the card to be in use, which means if there is a zero balance, cardholders will not be charged any fees. Unlike many other prepaid cards, there is a not a minimum balance that must be kept on the card each month in order to avoid additional fees. Plus, Upside offers free and low cost upload fees so card members do not have to worry about spending more money to in order to upload money onto the card. Uploads from cardholder's credit cards also appear instantly, which many credit card, debit cards, and prepaid cards cannot claim.

Reloading the prepaid card is simple. Cardholders do not need to return to a retail store like many prepaid cards available, they can pick up the phone to reload the wanted amount or do it conveniently online. Managing the card and using it are easy for card members regardless of age.

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

Rewards: - Earn 1,500 cash back reward points for you first direct deposit load.
Other Benefits: * See Terms & Conditions of the card
Comments: No activation fee. $0 monthly fee if $400 or more is loaded each month. Only $1.99 otherwise.
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 0.00% *
Annual Fee: N/A*
Grace Period: N/A*
Late Payment Fee: N/A*
Balance Transfer: No
Opening Minimum: $10.00
Application Fee: $0.00
ATM Fee: $1.50
Additional Fees Purchase fee (Plan A): $4.95
Yearly fee (Plan A): None
Monthly maintenance fee (Plan A): $0.99
Purchase fee (Plan B): None
Yearly fee (Plan B): $24.95
Monthly maintenance fee (Plan B): None
Foreign currency conversion fee(in addition to Visa commission): 2%
Account closure fee - $8.95
Balance inquiry fee - $0.99
Card replacement fee - $6.95
Decline ATM withdrawal - $2.00
Decline fee on payment - $2.00
Decline fee on reloads from ACH - $10.00
Express card delivery - $14.95
Overdraft fee - $3.00
PIN Change(first ever is free) - $0.99
Reimbursing check fee - $12.00
Withdrawal (in addition to ATM fee) - $1.49

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

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† The information provided for Upside Visa® Debt-Free 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.

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