The Rush card also known as the baby phat rush card is a prepaid debit card. It was created by Russell Simmons a co founder of the hip-hop record label Def Jam.

This is how the rush card works; you deposit money into your card/account, then you use your card to make purchases, money is taken out of your account to pay for those purchases. This card does offer guaranteed approval.

There is no credit or chex systems check. The baby phat rush card is issued in a pink design and the rush card is issued in a black design.

With this card you have free direct deposit. To enroll in this you only have to fill out a form and turn that into your employer or payroll department.

Then you checks will be deposited into your rush card. You will still get a breakdown on your hours and how much the deposit was.

With this card you receive free online account access. You can also access your cash at over 800,000 ATM’s.

You can make purchases using your rush card online and over the phone. You can also use your account and write physical paper checks.

To use this feature you visit the website and input the person or business that you want to write a check to. This includes name, amount of payment and address.

Then hit send and a paper check will be sent to the individual. The is a good method to use when paying your monthly bills, because you will not have to pay for money orders.

With bill pay you can save money on buying money orders. If you use direct deposit you will no longer have to pay check cashing fees.

However, we do not recommend the rush card. This is because of the number of fees they have that other prepaid cards do not carry.

An example is the convenience fee. This is a fee you are charged every time you use your card.

You will be charged $1.00 with a maximum charge of $10.00 a month. However during a month you will be charged $1.00 for every transaction you make using your card.

You will have to wait till the end of the month and full calendar month later to have your extra charges refunded to your account.

That works out to almost 2 months before you will be issued your refund. These fees are ludicrous; there are very few people that only use their credit card ten times in a month.

Furthermore to be charged for every purchase you make seems outrageous. Then to have to wait for a full calendar month to expire before you are issued your refund is unbelievable.

Also to use bill payment you must enroll which is $2.00 then every check you write is another $1.00. There are other prepaid credit cards that offer free bill pay and no fees.

The rush card proudly says there are no hidden fees with their card. However they have more fees than any other card we have reviewed. They carry a fee with every transaction you make with your card.

In sum, look at some other prepaid cards. They have fewer fees and better benefits for being a card holder.

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