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All-Access® Visa® Prepaid Card Review
Issued by MetaBank
  
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Overall Rating:
Benefit Rating:
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The All-Access® Visa® Prepaid Card, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card.
This card requires the cardholder to make payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by account-to-account transfers via the Internet, the toll free number, or a live agent. Cardholders can also load the card through in-person retail transfers.
Cardholders will have the option of choosing between the pay per transaction plan and the FeeAdvantage™ plan. The pay per transaction plan has no monthly fee, but there is a fee charged every time the cardholder makes a purchase. On the other hand, the FeeAdvantage™ plan allows cardholders to make unlimited signature and PIN purchases for a monthly fee. Depending on whether the cardholder makes signature or PIN purchases more, the FeeAdvantage™ plan may be a better option for those who plan to make more than five to ten purchases per month. This card has no account opening fee.
This card offers additional services and benefits, including free wireless alerts for account information, no liability for unauthorized transactions, overdraft protection, and integrated bill payment. Cardholders will also be able to participate in the referral program that rewards them with $5 for each activated card that they refer.
Therefore, those who are looking for a card where they can pay in advance for purchases, would like a card with limited fees, and plan to take advantage of the various benefits and services may find the All-Access® Visa® Prepaid Card to be a beneficial option.
This card requires the cardholder to make payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by account-to-account transfers via the Internet, the toll free number, or a live agent. Cardholders can also load the card through in-person retail transfers.
Cardholders will have the option of choosing between the pay per transaction plan and the FeeAdvantage™ plan. The pay per transaction plan has no monthly fee, but there is a fee charged every time the cardholder makes a purchase. On the other hand, the FeeAdvantage™ plan allows cardholders to make unlimited signature and PIN purchases for a monthly fee. Depending on whether the cardholder makes signature or PIN purchases more, the FeeAdvantage™ plan may be a better option for those who plan to make more than five to ten purchases per month. This card has no account opening fee.
This card offers additional services and benefits, including free wireless alerts for account information, no liability for unauthorized transactions, overdraft protection, and integrated bill payment. Cardholders will also be able to participate in the referral program that rewards them with $5 for each activated card that they refer.
Therefore, those who are looking for a card where they can pay in advance for purchases, would like a card with limited fees, and plan to take advantage of the various benefits and services may find the All-Access® Visa® Prepaid Card to be a beneficial option.
Review Date: July 30, 2008
Note: The review on this card was updated on July 30, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
| Credit Card Rate Details | |
Intro Rate (Intro APR):
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No Introductory Rate Available |
| Credit Card Fee Details | |
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Annual Fee:
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$0 |
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Additional Cardholders:
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$0 |
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Cash Advance Fee:
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$2 domestic ATM fee; $4.95 international ATM fee |
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Application Fee:
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$0** |
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Participation Fee:
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$0*** |
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Reload Fee:
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$0 for account-to-account transfers via the Internet; up to $4.95 for account-to-account transfers via the toll fee number; in person retail cash load fees vary by merchant location. |
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InActive Fee:
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$5.95 monthly if the card is not active within a 90-day period. |
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Total First Year Fees:
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$0**** |
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Maximum Credit Limit:
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$10,000 |
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Minimum Deposit:
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$10 |
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Maximum Deposit:
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$10,000 |
| Features | |
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Most Attractive Feature(s):
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| No annual fee; free direct deposit; no credit checks. | |
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Least Attractive Feature(s):
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| Cardholders either pay a fee per transaction or a monthly fee for unlimited transactions. | |
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Additional Features:
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| Access to the referral program that rewards cardholders with $5 for each activated card that they refer. Lost and stolen card reporting. Receive up to 3 cards for family and friends. Integrated bill payment. Overdraft protection. Free wireless alerts available to notify cardholder of transactions and card balance. Free online money transfer service between NetSpend accounts. No liability for unauthorized transactions. Pay bills online 24/7. Black or silver card options. Cash load up to $10,000 at over 65,000 locations. Signature, PIN or ATM transactions accepted. NO credit check. NO bank account required. NO upfront cost to order. NO overdraft fees. NO minimum balances. See website for additi+onal benefits. |
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Important Notations
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| **Although the opening of the account is free, there may be card fulfillment charges (i.e., shipping and handling) of up to $19.95. ***The participation fee is free if the cardholder chooses the pay per transaction plan, or cardholders can choose to pay a monthly fee of up to $9.95 for unlimited signature and PIN transactions. ****The total first year fees does not include the card fulfillment fee, the monthly fee for the FeeAdvantage™ plan, or any transaction fees for the pay per transaction plan. $1 fee per signature purchase transaction with the pay per transaction plan. $2 fee per PIN-based purchase transaction with the pay per transaction plan. Up to $.50 per non-monetary transaction via toll free number. Up to $.50 per non-monetary transaction via ATM. No credit checks. See website for complete terms and conditions of card usage and application disclosure. | |
| Additional Information | |
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Apply Online for the All-Access® Visa® Prepaid Card from MetaBank See other Prepaid Credit Cards See other Credit Cards Issued by MetaBank See other Visa Credit Cards |
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