The Vision Preferred Prepaid Visa Card offers a variety of features for its card members. The card is easy to load, allows you to make online purchases, and helps you manage your money. This card can be used anywhere that Visa debit is accepted. The card is also available to anyone that applies regardless of your past credit history. It doesn’t matter if you have good or bad credit you will be eligible. The card is easy to apply for and you can apply online today.
| Vision Premier® Visa® Prepaid Card – Simple & Fair | |||||||||||||
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Card Summary
Vision Preferred Pepaid Visa Card is a prepaid card which means you load money onto the card. Your available balance is the amount you load to the card. Once you use all the funds you loaded to the account you have to load more in order to keep using the card. You can’t overdraft the account so this is a safe and worry free alternative to a traditional bank account or even credit card. This card does not charge interest.
Loading The Card
The card offers direct deposit which allows you to have your paycheck or government check electronically deposited to your card. This allows you to get paid faster and you won’t have to wait in line or pay to get your check deposited. At anytime you can add cash to your card by going to one of the 10,000 retailer locations nationwide. Western Union, Money Gram, and Money Pak are just a few of the locations.
Building Credit with Vision
All the Vision prepaid cards offers a credit builder feature called PayFit Credit Builder. This helps you build positive credit when you pay your bills. You can pay your utilities, rent, or any bill you want and these payments get reported to the FICO® Expansion® Score. Lenders may use your credit file to qualify you and offer you lower interest rates. PayFit Credit Builder is a free service available to all Vision Visa Prepaid Card Cardholders with no need to enroll.
Free Features
The card offers a variety of free features. Direct deposit if a free service available to all card members automatically. The card also offers free signature transactions. This is when you make a purchase and sign for the purchase. Some cards charge a fee for this service. The bill pay service is another free feature. You automatically get the service and you don’t need to enroll. When you call customer service there is no charge. Prepaid cards often charge for speaking to a live customer service representative.
Vision Prepaid Fees
Even though this is a prepaid card and it does not charge interest there are still fees you should be aware of. To see a complete list of fees you should review the terms and conditions of the card. The table below compares all three of the Vision cards that are available.
| Vision Preferred | Vision Premier | Vision Platinum | |
|---|---|---|---|
| Activation Fee | $9.95 | $9.95 | $19.95 |
| Monthly Fee | $6.95 | $6.95 | FREE |
| Conditional Monthly Fee | $4.95 | $4.95 | $9.95 |
| Direct Deposit | FREE | FREE | FREE |
| Load Fee - MoneyGram® ExpressPayment®, PayXone™, GreenDot® MoneyPak, Visa ReadyLink®, Western Union® | $0.95 | FREE | FREE |
| Load Fee - PayPal, Wire Load, PreCash2 | FREE | FREE | FREE |
| Signature Transaction Fee - Domestic & Int’l (Transaction Fee) | FREE | FREE | FREE |
| PIN Debit Transaction Fee - Domestic & Int’l(Transaction Fee) | $0.95 | FREE | FREE |
| ATM Withdrawal Fee - Domestic | $1.95 | $1.95 | FREE |
| ATM Withdrawal Fee - International | $4.95 | $4.95 | FREE |
| Bill Pay Fee - Electronic & Paper Check | FREE | FREE | FREE |
| Cash Advance Fee - Domestic & Int’l3 | $4.95 | $4.95 | FREE |