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The Baby Phat Prepaid Visa® RushCard is issued by Manufacturers and Traders Trust Company.
This card received a rating of 4.50 out of 5.00 |
| Basic Credit Card Information |
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| Introductory Rate: |
No Introductory Rate Available |
| Time Period: |
n/a |
| Rate Applied To: |
None |
| Additional Details: |
n/app |
| Regular APR: |
n/app |
| Variable or Fixed: |
n/app |
| Annual Fee: |
$0 |
| Annual Fee Details: |
None |
| Application Fee: |
$19.95 |
| Participation Fee: |
$0 |
| Reload Fee: |
$0 for load via direct deposit of pay or government benefits, tax refunds, money order, or bank transfer (bank may charge a fee); $3.95 for load via MoneyGram at a loading point for transactions of up to $5,000. |
| Inactive Fee: |
$2.95 Monthly (after 60 days of inactivity) |
| Total First Year Fees: |
$19.95 |
| Type Of Rewards: |
Rebate |
| Be sure to read the card's Terms and
Conditions before applying! |
| Credit Card Review |
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The Baby Phat Prepaid Visa® RushCard™, issued by Manufacturers and Traders Trust Company, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card.The card does offer shopping discounts at participating retailers, which is rare for a stored value card, as this type of card usually does not offer any extraordinary benefits or services to cardholders. There is no interest applied on the account or other similar charges found with most unsecured cards. Although there is a one-time activation fee of $19.95, there is no monthly participation fee. It is important to note that the card does require payment in advance, which is then used to offset future purchases made with the card. There is a $1 transaction fee that is charged for each purchase made with the card (capped at $10 per month - additional purchases are free). The issuer charges no reload fees. Direct deposits, pay pal transfers and mailing in a check or money order are free. However, affiliated merchants do charge a flat fee for retail reloads.One of the most unique features of the Baby Phat Prepaid Visa® RushCard™ is the refer-a-friend program. The card offers cardholders the chance to earn money by referring friends and family to the program. Cardholders will receive $5 on their card for every referred applicant who becomes an active RushCard™ member.Another unique feature of the Baby Phat Prepaid Visa® RushCard™ is the Cash Back Rewards program. Transaction fees that are incured past the $10 cap per month are deposited back onto the cardholder's Baby Phat Prepaid Visa® RushCard™ on the 15th of every month.Unfortunately, this card does not report cardholder transactions to the credit bureaus, which is not ideal for those who are trying to establish credit.Therefore, those who are looking for a low cost stored value card, would like to earn cash back rewards, and would like to receive shopping discounts at participating retailers will benefit most from what the Baby Phat Prepaid Visa® RushCard™ has to offer.
This review was updated 2008-09-02T00:00:00.0000000-07:00
| Reward Program Information |
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| Type Of Rewards: |
Rebate |
| Reward Program Optional: |
No |
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Optional programs may have a fee. See Terms and
Conditions for details. |
| For Cards with Cash Back Incentives |
| Lowest Possible Rebate: |
n/app |
| Highest Possible Rebate: |
n/app |
| Additional Rebates: |
None |
| Rebate Details: |
The Baby Phat Prepaid Visa® RushCard™ offers a Cash Back Rewards program. Transaction fees that are incurred past the $10 cap per month are deposited back onto the cardholder's Baby Phat Prepaid Visa® RushCard™ on the 15th of every month. |
| For Cards with Point Incentives |
| Points Per Dollar Spent: |
n/app |
| Additional Points: |
n/app |
| Point Details: |
n/app |
| For Cards with Airline Incentives |
| Miles Per Dollar Spent: |
n/app |
| Additional Miles: |
n/app |
| Program Details: |
n/app |
Rewards Expiration Period: None
Annual Limit: None
| Additional Credit Card Perks |
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Cash back rewards at participating retailers.
Various Internet account related services.
Lost and stolen card reporting.
See website for additional cardholder benefits.
Special Notations about the Baby Phat Prepaid Visa® RushCard™
No security deposit required.
There is a $1 transaction fee for each purchase, which is capped at $10 per month (all additional transaction fees will be refunded).
The $19.95 activation fee will be deducted from the initial load amount made on the card.
Any child between the ages of 13-17 wishing to apply for a Visa® RushCard™ will require parental consent.
Various additional fees associated with the card, see website for additional details.
See website for complete terms and conditions of card usage and application disclosure.
Always read the credit card's Terms and
Conditions before applying!
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