Prepaid Visa Pink Diamond RushCard

How We Rated the Pink Diamond RushCard

Card Features Fees Disclosure Clarity BBB Rating Load Options Overall Rating

Rating Explanation Pink Diamond RushCard 4 GetDebit.com Editor The Pink Diamond Visa with the "pay as you go" plan option from RushCard has a number of great features and can provide great value for people who use the card to replace their bank account. The company behind the RushCard line of prepaid Visa cards (UniRush LLC) currently does not have a BBB rating, but the company has a lot of experience in building and managing prepaid card programs. We like the abundance of info on the website and well documented fee disclosures with this card, and the number of features available make it a great bank-replacement product. If you will be using the bill pay features heavily, you may want to check out other cards, as this card charges for every bill payment, which can add up. Also, be careful for high replacement and expedited card fees. There is no monthly fee, which is nice, but you might consider the "pay monthly program" if you are going to make a lot of transactions. Check the Pink Diamond RushCard Visa card out, we think might like it. It can stack up nicely among the top prepaid debit cards when used carefully. The Pink Diamond Visa with the "pay as you go" plan option from RushCard has a number of great features and can provide great value for people who use the card to replace their bank account. The company behind the RushCard line of prepaid Visa cards (UniRush LLC) currently does not have a BBB rating, but the company has a lot of experience in building and managing prepaid card programs. We like the abundance of info on the website and well documented fee disclosures with this card, and the number of features available make it a great bank-replacement product. If you will be using the bill pay features heavily, you may want to check out other cards, as this card charges for every bill payment, which can add up. Also, be careful for high replacement and expedited card fees. There is no monthly fee, which is nice, but you might consider the "pay monthly program" if you are going to make a lot of transactions. Check the Pink Diamond RushCard Visa card out, we think might like it. It can stack up nicely among the top prepaid debit cards when used carefully.

Pink Diamond RushCard Fee Examples

Want to know how much the Pink Diamond RushCard might cost you to use in a typical month? We have crunched the numbers for you! We also show how Pink Diamond RushCardstacks up against some common alternatives so you can see if you would save money using this card. Please remember -- cost should NOT be the only reason why you pick a card -- make sure to consider the card's features (some cards have more features than a typical bank account).

To see different scenarios, change the following variables.

	Number of transactions each month	Pink Diamond RushCard	Bank of America "Regular" Checking	Check Cashing Store
Monthly Fee	Once per month	$	$	$
Cash paycheck (per month)	$	$	$	$*
ATM Withdrawals	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$	$	$
Bill Payments	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$	$	$
Online Purchases	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$	$	N/A
In-Store Purchases***	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$	$	N/A
Overdrafts:****	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20		$	$
Total		$	$	$

Note: * Based on a U.S. Average check cashing rate of 4.54% (per the Brookings Institution),
**Using the Money Order fees from the U.S. Post Office (Some of the lowest available),
*** We assume that 1/2 of your in-store purchases will be made using your PIN,
****A LARGE portion of Americans experience at least 1 overdraft each Month. Also note that the Check Casher CANNOT buy items online, and must use cash for all purchases.

Fees Associated With The Pink Diamond RushCard*

Activation Fee:	$9.95	Card Limit:	$9,999
Monthly Fee:	$0.00	ATM Withdrawal:**	$1.95
Signature Transactions:***	$1.00	ATM Balance Inquiry:	$0.50
PIN Transactions:***	$1.00	Bill Payments:	$1.00

If you don't have high monthly usage needs, the RushCard "pay as you go program" is the best option for you. There are also a few fee "gotchas" to watch out for like changing plans, bill pays and convenience fees for signature debit at point of sale terminals that cost you an extra $1 per transaction. Also, watch out for some of the fees for "expedited" service (like lost card replacement), as they can add up fast.

Notes:
* Fees verified as of 11/28/2011. Check the Current Terms & Conditions for a list of all the fees.
** Some ATM operators may charge a fee for use of their ATMs in addition to this fee.
*** To use your Pink Diamond RushCard in a "signature" transaction, select "Credit" when checking out at a brick and mortar merchant. Most internet transactions are automatically processed as "signature" transactions.

Pink Diamond RushCard Card Options

RushCard provides two main fee options for their cards: a "pay as you go program", and a "pay monthly" program. Each program has multiple card designs available. Check out the all of the cool looking cards when you sign up.

Here are GetDebit’s “Low Fee Tips” for this Card

By using prepaid products carefully, the RushCard Prepaid Visa card has fees that can be avoided. Here are a few tips to minimize your monthly fees and costs associated with the Rush Card pay as you go program.

• Reduce the number of ATM withdrawals you make. If you need $300 of weekly cash, take that whole amount in one withdrawal from the ATM (make sure you have enough money in the account!). Fees will add up fast if you withdraw $20 or $40 at a time. Also, most ATM providers charge an extra fee on top of what Rush Card charges.
• There is also a Bill Pay Enrollment Fee in addition to a Bill Pay Transaction Fee - you might want to go to individual vendor websites and make payments there to avoid these fees.
• Save paper. Don't order paper copies of your account statements. The Pink Diamond RushCard (like many prepaid cards) will charge you extra to receive statements by mail. Save a tree and save yourself some money as well.
• Pick a plan and stick with it if you can. Flexibility is nice, but you will get charged to change plans.
• Avoid the inactivity Maintenance Fee by using your card at least once every 30 to 90 days.
• Be careful with your card as Replacement Fees and Expedited Replacement Fees are quite costly.

Tips for Using The Prepaid Visa Pink Diamond RushCard

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