Wired Plastic Prepaid Debit Visa Card

The Wired Plastic Visa Prepaid Card is a Prepaid Visa card which allows cardholders to use their card anywhere Visa debit cards are accepted, up to an amount they have previously loaded to their account. Wired Plastic is one of the more innovative cards available, and now has a contactless card for convenient “Tap-n-Pay” purchases at merchants nationwide.

Review of the Wired Plastic Prepaid Debit Visa Card

Wired Plastic Prepaid Debit Visa Card

Wired Plastic continues to push the boundaries in innovation for prepaid cards. Their cards are packed with features, including a rewards program, and text or email messaging about important account information. Plus, their card has one of the lowest monthly fees of any prepaid card on the market. Here are some of the features you enjoy with this great prepaid debit card:

  • Accepted everywhere VISA debit cards are accepted
  • No Credit Check, Income requirements or bank account required
  • On Demand Alerts – Manage your account via text messaging
  • FREE Online Access to Account
  • FREE Mobile Alerts – Text to your mobile and email
  • FREE Rewards Program – Earn 1 Point for every $1 spent
  • NO Bounced Check, NSF or Overdraft Charges EVER!
  • FREE Direct Deposit – Eliminate Check Cashing Fees
  • Apply Now!



How We Rated the Wired Plastic Prepaid Visa Card

Card FeaturesWired Plastic Prepaid Visa Card Features
FeesWired Plastic Prepaid Visa Card Fees
Disclosure ClarityWired Plastic Prepaid Visa Card Disclosure
BBB RatingWired Plastic Prepaid Visa Card BBB Rating
Load OptionsWired Plastic Prepaid Visa Card Reload Options
Overall RatingWired Plastic Prepaid Visa Card Rating
Rating Explanation
Wired Plastic Prepaid Visa Card 4 GetDebit.com Editor The Wired Plastic Visa card has a number of great features and provides a very good value for people who use the card as a bank account replacement. We like the simple fee agreement and disclosures with this card, and the number of features available make it a decent bank-replacement product. If you are a heavy bill-pay user, this card may not be right for you, as the fees can add up. This card has a lower limit as well, so if you need to deposit more than $2,500, you may want to look at other cards.
The Wired Plastic Visa card has a number of great features and provides a very good value for people who use the card as a bank account replacement. We like the simple fee agreement and disclosures with this card, and the number of features available make it a decent bank-replacement product. If you are a heavy bill-pay user, this card may not be right for you, as the fees can add up. This card has a lower limit as well, so if you need to deposit more than $2,500, you may want to look at other cards.

Wired Plastic Prepaid Visa Card Fee Examples

Want to know how much the Wired Plastic Prepaid Visa Card might cost you to use in a typical month? We have crunched the numbers for you! We also show how Wired Plastic Prepaid Visa Cardstacks 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 Wired Plastic Prepaid Visa Card Bank of America "Regular" Checking Check Cashing Store
Monthly Fee Once per month $ $ $
Cash paycheck (per month) $ $ $ $*
ATM Withdrawals $ $ $
Bill Payments $ $ $
Online Purchases $ $ N/A
In-Store Purchases*** $ $ N/A
Overdrafts:**** $ $
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 Wired Plastic Prepaid Visa Card*

Activation Fee:$9.95 Card Limit:$2500
Monthly Fee:$3.95 ATM Withdrawal:**$1.95
Signature Transactions:***$0.00 ATM Balance Inquiry:$0.95
PIN Transactions:***$0.95 Bill Payments:$0.45

The Wired Plastic Visa card is perfect for people who use the card frequently to purchase items on the Internet or in stores (there are no transaction fees for signature debit transactions). If you only need to make a few bill payments each month, and have relatively low balances, the Wired Plastic card may be a good choice for you. Bill payments have a charge for each payment (depending on whether the payment is electronic or via check). As with other bank accounts and prepaid cards, there are additional fees for certain non-typical transactions (like international ATM withdrawals, paper statements, etc). Check the fee sheets for more information.


Notes:
* Fees verified as of 02/08/2011. 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 Wired Plastic Prepaid Visa Card in a "signature" transaction, select "Credit" when checking out at a brick and mortar merchant. Most internet transactions are automatically processed as "signature" transactions.

Wired Plastic Prepaid Visa Card Card Options

The Wired Plastic Visa car comes in one style, there are no choices to make with this card (and no confusing alternative payment plans). The only option is whether you want to prepay the full year's worth of Monthly fees or just pay monthly.

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

Many prepaid cards, including the Wired Plastic Prepaid Visa Card, have fees that can be avoided with careful use. Here are a few tips to minimize your monthly fees and costs associated with this card.
  • First reduce the number of ATM withdrawals you make. If you need $200 of cash for the week, take that whole amount in one withdrawal from the ATM (assuming you have enough funds in the account!). Don't withdraw $20 or $40 at a time (the fees add up FAST).
  • Save paper. Don't order paper copies of your account statements. The Wired Plastic Visa (like many prepaid issuers) charges you extra to receive statements by mail. Why not save a tree and save yourself some money?
  • Treat your card like a checkbook. Don't try to take money out when you don't have it (you won't get an overdraft charge, but you could get a "decline" transaction at an ATM).
  • Avoid the need for special fees, like stop payments on bill pay transactions, or special customer service.
  • ALWAYs use direct deposit (it's good for the planet since it reduces paper, it's good for you, and it's good for your bank account).

Tips for Using The Wired Plastic Prepaid Debit Visa Card