READYdebit® Card
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Overall Rating 4.0
Benefit Rating0.0
About Ratings
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Apply Now | BALANCE TRANSFERS | INTRO RATE | APR (PURCH) |
APR (CASH) |
ANNUAL FEE | ||
|---|---|---|---|---|---|---|---|---|---|
| Rate | Duration | Rate | Duration | ||||||
| N/A | N/A | N/A | N/A | 0.00 | 0.00% | $0 | |||
Key Features:
- Visa® Debit Card Accepted Worldwide
- Access to a Million ATMs Around the World
- Online Bill-Payment and Check-Writing Service That Lets Customers Pay Anyone By Check
- Free Direct Deposit, Plus a Network of 50,000 Locations Where Customers Can Load Their Visa® Card With Cash
- 24x7 Customer Support — Online and Phone
- FDIC Insurance & Visa®'s Zero Liability Protection Against Fraudulent Use
Rates and Fees
| Card Type | Visa |
| Introductory Rate Offer | n/a |
| Card Status | Standard |
| APR for Purchases | |
| APR for Cash Advances | 0.00% |
| Annual Fee | 0% |
| Annual Fee for additional cardholders |
$10 |
| Grace Period | |
| Minimum Credit Limit | n/app |
| Maximum Credit Limit | $10,000 |
| Late Payment Fee | |
| Over the Limit Fee | |
| Cash Advance Fee | $1.50 - $2.00 ATM withdrawal depending on plan; $5 International ATM withdrawals; $5 bank teller cash advances. |
| Balance Transfer Fee |
Rewards Information
| Points per Dollar Spent | |
| Additional Points | |
| Miles per Dollar Spent | |
| Additional Miles | |
| Additional Perks | See website for additional benefits. |
Important Notations:
*See website for complete terms and conditions of card usage and application disclosure. **Fees depend on plan. Fee do not include fees for ATM withdrawals, PIN transactions, balance inquiries, online bill pay, and bank teller cash advance fees.READYdebit® Card
Issued by VisaMost Attractive Feature(s): Direct deposit, online bill pay service
Least Attractive Feature(s): Fees to withdraw funds, monthly service fees.
Description
The READYdebit® Card from MetaBank is the perfect way for people who don’t have a checking account to obtain and use a debit card for all of their purchases - whether plastic is required or not. With this prepaid card, cardholders simply load the READYdebit® Card with cash and use it as they would a credit card. Paychecks can even be directly deposited into a READYdebit® account to get easy access to funds without waiting in line at the bank and to avoid paying high check cashing fees. The READYdebit® Card offers two options, depending on the cardholder's needs. The Basic plan is $4.95 a month, while the Select plan is $8.95 a month and comes with lots of extras like free online bill pay*. Select plan cardholders are also cut a break on other fees such as ATM withdrawal fees, balance inquiry fees, and fees for PIN transactions. The best thing about the READYdebit® Card is the freebies. Unlike other prepaid cards, cardholders are not charged card loading fees or negative balance fees - something banks would charge a pretty penny for. The best part is that the READYdebit® Card works just like a credit card and can be used to book hotel or car reservations or to make purchases online - something that just can't be done without a credit card. Plus, your funds on the READYdebit® Card are protected by Visa®'s Zero Liability™ policy, which protects cardholders from unauthorized transactions. Funds can be loaded onto the READYdebit® via direct deposit, or at participating retail stores including Wal-Mart, Walgreens, Rite Aid, RadioShack, and wherever the Visa® ReadLink symbol is displayed.
Updated: Jun 12 2009 11:02AM