Rush Card is a name that we get to hear a lot these days among many payment cards like credit card, debit cards. The Rush Card is a prepaid visa debit card which you can use to spend only to the limit of your available bank account balance and allows the use of a credit card without overspending. This helps avoiding overdrafts, huge interests on card payments. Hence, Rush Card is preferred by many people who want to keep their expenses in control. Because Rush Card only lets you spend what you have in your bank account, there is no risk of overdrawing or going into debts.

Rush Card is a very good alternative to traditional banking even though the concept is the same which is withdrawing money that you have in the bank account. This is because in traditional banking at times you are allowed to spend more than your bank balance and then you are charged overdraft or NSF fees and thus you end up spending more. However, Rush Cards there are no extra charges since you can only spend the amount that you have on your card. It is also a much better alternative for credit cards as there are no interests on your spending and hence you never end up overspending as against credit cards where one always ends up spending more than he/she has.

Where can the Rush Card be used?

The Rush Card can be used wherever Visa debit cards are accepted like in purchases or in payments. It can be used at any merchants that accept Visa. A Rush Card can also be used to withdraw money from Paypal accounts. It can be used in various modes like online, phone payments or in-person payments.

However, Rush Cards cannot be used at

• Gas stations where you need to pay at the pump but you can pay at the counter of a gas station using your Rush Card.
• Gambling websites
• A live bank teller

Using a Rush Card: 

One needs to register to get a Rush Card on Rushcard.com and select the most suitable plan as per his/her requirement. After getting the Rush Card, the card can be activated by depositing money onto the Rush Card by transferring money from the bank account, visa money orders, checks or using Paypal account. It is even possible to load a Rush Card using a credit card by getting cash advance on the credit card of the amount that one wants to add to the Rush Card.

On activation of Rush Card, to use it online, one needs to log on Rushcard.com

Using the 16 digit card number and they can check their account information, add money to the account, shop online where Visa cards are accepted or download music online.

How to put money on/refill a Rush Card?

One can put money on the Rush Card or refill a Rush Card in many easy-to-do ways like

1. Using check or Money Order
2. Via direct deposit
3. Throught Paypal account
4. Through cash deposit

What are fees of the Rush Card?

Both the Rush Card and the Baby Phat Rush Card charge an activation fee of $19.95 with a $1.95 cash withdrawal fee and a $0.50 ATM balance inquiry fee. There is a $1.00 bill payment fee and a $1.95 inactivity fee. A $1.00 convenience fee will be charged every time one uses the card.

Features and benefits of Rush Card: 

The important features and benefits of a Rush Card are

• It enables one to build his/her credit which can help them get major credit cards in future
• Rush Card users get text messages on their mobile phones about their account balance regularly with related news
• One can setup automatic bill payments using their Rush Cards with the Rush Bill Pay scheme
• If one doesn’t have money in his/her account and needs to pay bills, the payment date can be changed or payment can be stopped using  Rush Bill Pay
• Rush Card enables people who don’t have bank account and have to go for check cashing to avoid paying the check cashing fees by allowing the payroll checks to get directly deposited to the Rush account with no extra charges.
• One can even use the Rush Card in ATMs by simply inserting the card in ATM machine, entering the given PIN, selecting “checking” and entering the amount they wish to withdraw.
• The Rush Card can also be used for travel needs like paying airfairs, renting cars, hotel reservations etc.
• The Rush Bill Pay enables to make check payments to anyone
• If cashback facility is available, one can simply pay using the Rush Card and select the amount they wish to receive in cash
• The Rush Card is also available in the form of a stylish pink Baby Phat Rush Card with the Slinky Bhat Phat logo
• One can create personalised goals for saving money for important things like weddings, education, vacations etc.
• Money can be transferred to other Rush Cards easily
• Rush Card also offers discounts on regular prescription drugs with the Prescription Discount card which is accepted by over 56,000 pharmacies in US and can be used even if one has medical insurance
• Apart from this, one can also get discounts on doctor visits and other health care products
• On referring the Rush Card to others, one can earn $5 per activation
• Rush Cards are accepted worldwide and are very convenient to make payments, purchases online and offline
• Rush Cards are safer to carry than cash
• The Visa Zero Liability feature ensures that one is protected against unauthorised use of the card and hence one doesn’t need to worry even if their Rush Card is stolen or lost

Rush Card also has a very strong fraud detection and prevention system which gives the users a confidence that they can use their Rush Card without fear and enjoy their shopping experience without any tension.