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Rushcard Review

Rushcard Review

If you are looking for a prepaid Visa, then you may like to look into Rushcard card. It is not a terrible prepaid card, but we feel there are better cards out there. If you work to avoid as many of Rushcard’s fees as possible, then the Rushcard may be suitable for you. This article contains guides on how to avoid the Rushcard fees.

We have created this review for two reasons. The first reason is that we wish to show you the good and bad side of Rushcard so that you may get a better card if possible. The second reason is because we know that some people are unable to get a better card, so we would like to show you exactly what you are getting yourself into.

If You Are Going To Use The Rushcard Card, You Must Know This

If you are going to choose the Rushcard as your prepaid card of choice, then look over the fees we have posted on this article. I have included key facts you may use to help you avoid paying fees. There are ways of making this card far cheaper to hold, have and use. On the flip side, if you do not make yourself aware of the fees that RushCard charges, then it may make this card ridiculously expensive.

Ignore Their Tax Refund Promises

Rushcard promises a tax refund

The problem with their tax refund claim is that it seems as if the Rushcard company is promising to help everybody get a better tax refund. However, what they are actually doing is running a promotion where only three people win a credit prize that is loaded into their Rushcard card. Do not be fooled by this misleading claim, they should make it more obvious that it is a competition and nothing more.

Fees And/Or Charges With RushCard’s Unlimited Plan

$3.95 or $9.95 – A one-time charge for getting your new Rushcard card
$5.95 – The monthly fee if you set up a direct deposit for your wages or benefits
$7.95 – The monthly fee if you do not set up a direct deposit
$0.99 – Card-to-card transfer fee
$2.50 – For using an out-of-network ATM to withdraw money
$2.50 – Over the counter withdrawal fee
$0.50 – Out of network balance inquiry
$4.95 – To replace your ATM card
$30.00 – Expedited card replacement fee
$1.00 – Paper statements
$1.00 – International balance inquiry
$2.50 – International withdrawal fee
$2.50 – Over the counter withdrawal fee internationally
3% – International currency conversion fee

Why Choose The Rushcard Unlimited Plan?

The main reason is because they are going to charge you up to $10 per month to make purchases if you use the Pay-As-You-Go version of the Rushcard. If you are looking to use your card to make more than ten purchases in stores (where a pin number is required), then you are going to be better off with the Ultimate plan. Also, there is no maintenance/dormancy fee with the Rushcard plan.

How To Save On Fees With The Rushcard Unlimited Plan

  • Never use your Rushcard overseas, only use it for domestic spending.
  • Use the ATM finder on their website to find one of their network ATMs near you and save a fortune on ATM fees.
  • Use this card to make purchases using a pin number more than seven times per month or switch to the Pay-As-You-Go version.
  • Opt out of the paper statement option and receive your statements online.
  • Do not use out-of-network ATMs for anything.
  • Never have your card or any cash expedited.
  • Have your wages or benefits direct deposited into your Rushcard account at least once per month.

Fees And/Or Charges With RushCard’s Pay-As-You-Go Plan

$3.95 or $9.95 – A one-time charge for getting your new Rushcard card
$1.00 -For purchases using a pin number (max $10 per month)
$0.99 – Card-to-card transfer fee
$2.50 – For using an out-of-network ATM to withdraw money
$2.50 – Over the counter withdrawal fee
$1.00 – For store cash back, but voided if you have made a purchase using your pin number
$0.50 – Out of network balance inquiry
$4.95 – To replace your ATM card
$30.00 – Expedited card replacement fee
$1.95 – Dormancy/maintenance fee when dormant for 90 days
$1.00 – Paper statements
$2.00 – International transaction fee
$1.00 – International balance inquiry
$2.50 – International withdrawal fee
$2.50 – Over the counter withdrawal fee internationally
3% – International currency conversion fee

Why Choose The Rushcard Pay-As-You-Go Plan?

The biggest benefit of the Pay-As-You-Go plan is that you get to avoid the monthly fee. The two biggest drawbacks are the purchase fees and the dormancy/maintenance fees. The purchase fee comes to $1 every time you use your card to make a purchase where you had to use your pin number. There is a maximum fee of $10 per month for such purchases. The dormancy fee applies when your card is not used for 90 consecutive days. “Card Use” is defined as either loading your card with money (depositing), or by spending with your card. If you are not going to use your card for 90 days, then cancel the card because it is not worth the dormancy fee. The dormancy/maintenance fee is charged every month after the first 90 days, so you can really rack up some debt if you are not careful.

How To Save On Fees With The Rushcard Pay-As-You-Go Plan

  • Never use your Rushcard overseas, only use it for domestic spending.
  • Use the ATM finder on their website to find one of their network ATMs near you and save a fortune on ATM fees.
  • Avoid making purchases with your card where you use your pin number.
  • Opt out of the paper statement option and receive your statements online.
  • Do not use out-of-network ATMs for anything.
  • Never have your card or any cash expedited.
  • Load into your card or use your card at least once every 80 days.

 

how the rushcard prepaid card works

Rushcard – Pros

  • There are no longer any sort of activation fees.
  • Spend online (without a pin number) for free.
  • You may add money to your Rushcard account for free.
  • Avoid the monthly fee with the Pay-As-You-Go plan.
  • Avoid the purchase fees with the unlimited plan.
  • You may use the app that Rushcard have developed.
  • Rushcard is a prepaid Visa and is held to Visa’s practice standards.
  • You may be able to get your benefits or paycheck sooner than if you use check-cashing companies.

Rushcard – Cons

  • The company makes claims that it is able to get you a tax refund of up to $15,000.
  • There is a card-to-card transfer fee.
  • You have to withdraw your money in cash via an in-network ATM to avoid withdrawal fees.
  • There was a 2017 scandal where people were delayed when trying to get their money out.
  • It is not a terrible prepaid card, but I feel there are better ones on the market that have not got such a negative online reputation.
  • The customer service department is mostly powerless to do anything other than offer advice.
  • Rushcard never give reasons as to why they offer such terrible customer service department (or terrible customer support supervisors), they just ask you to message them in private rather than lodging your complaint online.
  • The company handles technical issues very slowly. If the website is down, then expect it to be down for a few days.

Rushcard Customer Service Department Supervisors Are Disgraceful

Our research team and myself have encountered quite a few shitty customer service departments in our time, but it is rare that it is the supervisors we take issue with. Some of the Rushcard customer support supervisors are absolute shithouses, and I say some because I have to. Every single time we asked for a supervisor, the supervisor was rude, abrupt, and dishonest. On three occasions, by three different supervisors, we were told that having a card expedited to us for $30 was our only option and solution, when this is not true.

When speaking to a different supervisors on a different occasion (we did it out of morbid interest at this point and so we could record the conversations for the office party), we asked to lodge a formal complaint and the supervisor said that the complaints department were out and we should tell it to the BBB (Better Business Bureau).

If you have a problem that the customer service staff member is unable to deal with directly, such as when a company double charges you, or when your account is frozen without explanation, then you will need to speak to one of the supervisors, and you will have a terrible time. Every single one we spoke to had a terrible attitude.

Conclusion – Is Rushcard Right For Me?

Do all you can to avoid the fees by using our guide (above), and never make the mistake of trusting the card. For example, if you need the card to work for you because you are taking a trip across country of you are setting up an important funds transfer, then don’t because the service is not reliable. If you cannot get a bank account and you have to use prepaid cards such as this one, then shop around and find other services before you resort to this one.

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The PayPal prepaid card is better because it has fewer fees and it much (much) more reliable. Rushcard isn’t a terrible card, but you can probably do better if you do your research. Still, I do like that it is possible to avoid most of the fees when you use the Rushcard, which is uncommon within the prepaid card industry.

About The Author

Ash The Great

After a varied career in different industries from the hospitality industry to the financial consultancy industry, Ash now spends his days working as a professional writer.

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