Credit Card Review: All-Access® Visa® Prepaid Card

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Looking for a prepaid card that offers many benefits and options with minimal fees? The All-Access® Visa® Prepaid Card, issued by MetaBank, is the card for you. Many people think that if they don't have good credit, they are banned from using a credit card to make purchases. This is simply not the case. In order to use this card, you simply load it with money from your paycheck, bank account, or cash and then use your own money to make credit card purchases without the high interest rates and various other fees issued by traditional unsecured credit cards.

This card, unlike most other prepaid cards, does not charge an application fee or other one-time starting fee, nor does it require a minimum balance. Once you apply for and receive your card, you can load it in several different ways. You can have money taken directly from your paycheck each pay period and loaded onto the card. You can also load the card by account-to-account transfers via the internet, the toll free number, or a live agent. If none of these are convenient options, you can also load the card through in person retail transfers.

There are only a few fees associated with this card the All-Access® Visa®, and the issuer offers two different plans for fee payments. You can choose between the Pay Per Transaction plan and the FeeAdvantage® plan. If you choose the Pay Per Transaction plan you will pay no monthly fee, but there is a fee charged every time you make a purchase ($1 for signature transactions, $2 for PIN transactions). This plan is ideal for cardholders using the card only once or twice a month. The FeeAdvantage� plan allows cardholders to make unlimited signature and PIN transactions each month, but charges a $9.95 monthly maintenance fee. For people making more than 5 or 10 transactions each month, this would obviously be the better choice.

There are other benefits and additional services when using this card as well. You can receive free wireless alerts regarding your account information and there is no liability for unauthorized transactions. You can also opt for overdraft protection and integrated bill payment. In addition, if you recommend the card to family and friends and they become cardholders as well, you will receive $5 per active member.

Therefore, those who are looking for a prepaid card with minimal fees and maximum benefits should consider becoming a cardholder of the All-Access® Visa® Prepaid Card.

(Review Updated: January 14, 2008)

n/a Intro APR (* see notes for details)

Finance Configuration:

Additional Cardholders: $0

Late Payment Fee:

Cash Advance Fee: $2 domestic ATM fee; $4.95 international ATM fee

Minimum Credit Limit: n/a

Maximum Credit Limit: $10,000

Type of Reward: None

Additional Features for All-Access® Visa® Prepaid Card:

Access to the referral program that rewards cardholders with $5 for each activated card that they refer.
Lost and stolen card reporting.
Receive up to 3 cards for family and friends.
Integrated bill payment.
Overdraft protection.
Free wireless alerts available to notify cardholder of transactions and card balance.
Free online money transfer service between NetSpend accounts.
No liability for unauthorized transactions.
See website for additional benefits.

Important Notes for All-Access® Visa® Prepaid Card:

**Although the opening of the account is free, there may be card fulfillment charges (i.e., shipping and handling) of up to $19.95.
***The participation fee is free if the cardholder chooses the pay per transaction plan, or cardholders can choose to pay a monthly fee of up to $9.95 for unlimited signature and PIN transactions.
****The total first year fees does not include the card fulfillment fee, the monthly fee for the FeeAdvantage™ plan, or any transaction fees for the pay per transaction plan.
$1 fee per signature purchase transaction with the pay per transaction plan.
$2 fee per PIN-based purchase transaction with the pay per transaction plan.
No credit checks.
See website for complete terms and conditions of card usage and application disclosure.

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Notes: The review on All-Access® Visa® Prepaid Card was updated on January 14, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.