The Vision Premier® Visa® Prepaid Card is a low cost prepaid card that offers a variety of benefits to card members. The card is available to anyone regardless of credit history. Even if you have had credit issues in the past and your credit is not good, you can still apply for this card. This card is not a line of credit, instead you add funds to the account and the amount you add determines the available balance on the card. It is easy to load the card and there are a variety of ways to do so. You can manage your account and pay bills through your online account.
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Card Summary
The Vision Premier(SM) Prepaid Visa Card is a basic prepaid card that can be used anywhere Visa debit can be used. The card offers free direct deposit, free customer service, and all purchases are free too. As a bonus the card offers a rebate for free activation.
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
The card 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 |
You can apply for the Vision Premier(SM) Prepaid Visa Card easily online today.