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Issued by Manufacturers and Traders Trus Categories: Pre-Paid
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Overall Rating
Benefit Rating
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The Baby Phat Prepaid Visa® RushCard™, issued by Manufacturers and Traders Trust Company, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card. The card does offer shopping discounts at participating retailers, which is rare for a stored value card, as this type of card usually does not offer any extraordinary benefits or services to cardholders. There is no interest applied on the account or other similar charges found with most unsecured cards. Although there is a one-time activation fee of $19.95, there is no monthly participation fee. It is important to note that the card does require payment in advance, which is then used to offset future purchases made with the card. There is a $1 transaction fee that is charged for each purchase made with the card. The issuer charges no reload fees; however, there is a flat $3.95 fee for "MoneyGram" transactions made at designated loading point merchants and banks may also assess a fee. One of the most unique features of the Baby Phat Prepaid Visa® RushCard™ is the refer-a-friend program. The card offers cardholders the chance to earn money by referring friends and family to the program. Cardholders will receive $5 on their card for every referred applicant who becomes an active RushCard™ member. Unfortunately, this card does not report cardholder transactions to the credit bureaus, which is not ideal for those who are trying to establish credit. Therefore, those who are looking for a low cost stored value card and would like to receive shopping discounts at participating retailers will benefit most from what the Baby Phat Prepaid Visa® RushCard™ has to offer.
Most Attractive Feature(s): No annual fee; no security deposit required; discounts at participating merchants and retailers.
Least Attractive Feature(s): Activation fee; transaction fee.
Additional Perks
Cash back rewards at participating retailers.
Various Internet account related services.
Lost and stolen card reporting.
See website for additional cardholder benefits.
Rates & Fees
- Introductory Rate: No Introductory Rate Available
- Introductory Rate Details:
- Grace Period: Not applicable to this type of card.
- Applied Towards: None
- APR (Purchases) %:
- APR (Cash Advances) %:
- Finance Configuration:
- Annual Fee: $0
- Additional Cardholders:
- Application Fee:
- Minimum Credit Limit: n/a
- Maximum Credit Limit: $9,999
- Late Payment Fee:
- Over-The-Limit Fee:
- Cash Advance Fee: $1.95 for domestic ATM transactions; $3.50 for international ATM transactions
- Balance Transfer Fee:
- Important Notations: No security deposit required.There is a $1 transaction fee for each purchase, which is capped at $10 per month (all additional transaction fees will be refunded).The $19.95 activation fee will be deducted from the initial load amount made on the card.Various additional fees associated with the card, see website for additional details.Any child between the ages of 13-15 wishing to apply for a Visa RushCard will require parental consent.See website for complete terms and conditions of card usage and application disclosure.
* See the online credit card applications for details about Terms and Conditions of offer.
Note: The credit card information is believed to be accurate during the update. However, all information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions Statement that accompanies the credit card application. When you click on the " Apply " button you can review the credit card Terms and Conditions on the credit card issuer's web site.
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- No Annual Fee for the First Year - $125 Thereafter
- Earn 10,000 Membership Rewards® Bonus Points After Your First Purchase with the Card - Redeemable for a $100 Gift Card
- No Pre-Set Spending Limit
- The Membership Rewards Program® - Earn 1 Membership Rewards® Point for Virtually Every Dollar You Spend. You can Redeem Points for Your Choice of Truly Exceptional Travel, Shopping, and Entertainment Rewards
- Gold Card Events - Exclusive Access to Tickets for Select Concerts, Shows, Major Sporting Events, and More in Cities Nationwide
- Global Assist® Plus Hotline and Many More Benefits Included
- Express Approval. Get a Decision in Less than 60 Seconds
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
| n/app |
Not Available |
$125** |
No Introductory Rate Available |
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- No Annual Fee for the First Year - $95 Thereafter
- Earn 5,000 Membership Rewards® Bonus Points After Your First Purchase With the Card -- Redeemable for a $50 Gift Card
- The Membership Rewards® Program also Lets You Transfer Points to 11 Frequent Flyer Programs: 1 Point = 1 Frequent Flyer Mile or Frequent Guest Credit for Most Programs
- Purchase Protection Plan Protects Eligible Purchases Made with the Card Against Accidental Damage and Theft for up to 90 Days from the Date of Purchase
- Many Other Travel and Shopping Benefits
- No Pre-Set Spending Limit
- Express Approval. Get a Decision in Less than 60 Seconds
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
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$95** |
No Introductory Rate Available |
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