The BabyPhat Rush Visa Card is a prepaid card that is part of the RushCard series of cards that are popular because of their creator Russel Simmons. The card offers members a variety of perks for being a card holder. The card offers a low monthly fee, numerous loading locations, direct deposit and it can be used anywhere Visa debit is accepted. This card is available to anyone because approval is 100% guaranteed. There is no credit check and it doesn’t matter if you have had credit issues in the past. This card can even help you build or reestablish good credit.
- 100% Guaranteed Approval* – No Credit
- Free card with direct deposit (by 4/15/11)
- Free direct deposit & $0 Activaiton fee
- Only card that lets you change your fee plan whenever you want to
- Free prescription discount card
- Free credit builder
- Easy Bill Pay – pay bills, rent, or write personal checks
- Card to card transfers
Card Summary
The BabyPhat Visa Card is a basic prepaid card that offers no monthly fee. There are more than 100,000 retail locations where you can add money to the card and millions of ATM’s to withdraw cash from. With the card you do not have to worry about overdraft fees or interest. You can’t overdraft the account and this card will not get you in debt or hurt your credit in any way.
Pay As You Go Plan
This card is a little bit different than some prepaid cards because it offers a Pay As You Go Plan. This plan requires an activation fee of $19.95 with no Monthly Fee. Signature and PIN transactions are $1 per transaction, with a maximum cost of $10 per month. Any transaction fees charged beyond the first 10 will be credited back to your card the following month. ATM withdrawals have a fee of $1.95 per use.
Credit Builder
One of the features of the that not all prepaid cards offer is the credit builder. With the RushPath credit builder the card offers helps you build credit history every time you pay your bills with your Card. You can pay bills like utilities, rent, phone, etc. It’s free to all card members and you don’t have to enroll, you just get it. RushCard automatically reports your payment history to LexisNexis® and PRBC®, a national credit reporting agency. These credit reporting agencies basically will create a file for you to report positive credit. At some point when you apply for a credit card, lenders may use your credit information obtained by one of these lenders. In order to partake in the RushPath you do have to enroll, but its free.
Free Card Features
The BabyPhat Card allows members at any time to view your statements and account information online for free. You can opt in for free Email and Text Message Alerts and your card account balance can be text messaged to your phone or email daily. You can use their online money tool which helps with budgeting and account management.
Loading the Card
The card gives several options for loading fund to your card. Direct Deposit is free, fast and convenient. Your paycheck can automatically be deposited to your card each pay day. This means no more paying check cashing fees or waiting in line. You can even have government checks directly added to your card too. There are lots of great benefits to direct deposit. You can always add cash by going to any participating retail location like Western Union, MoneyGram and Green Dot Money Pak. Bank & Wire Transfers, PayPal Transfers and Card to Card transfers with other BabyPhat members is acceptable too.
BabyPhat Fees
This card is a prepaid card which means you will not be charged interest or overdraft fees. There are still fees you should be aware of and you can find a complete list of them in the Terms and Conditions of the card. The table below highlights some of the card fees.
| Description | Fee |
|---|---|
| Activation Fee | $14.95 |
| Monthly Fee | FREE |
| ATM Withdraw Fee | $1.95 |
| ATM Balance Fee | $0.50 |
| Add Money Fee | FREE |
| Paper Statement Fee | $1.00 |
| Replacement Card Fee | $9.95 |
| Card Transfer To Card Fee | $9.95 |
| Bill Payment Fee | $1.00 |
Applying for the BabyPhat Visa Card is easy and you can apply online today.
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