Issuer: MetaBank

Category: Pre-Paid

Card Type: Visa

Card Status: Gold

Annual Fee: $0*

Grace Period: Not applicable to this type of card.

Late Pay Fee: $0

Over Limit Fee: $0

Type of Rewards:

Best Feature: Access to credit builder program; no credit check.

The AccountNow Gold Visa® Prepaid Card, issued by MetaBank, is a stored value card designed for those who may have difficulty obtaining a standard unsecured credit card. This card allows cardholders to enjoy the convenience of a bank account and the privilege of a gold card, all in one.

With the AccountNow Gold Visa® Prepaid Card, there are no late or overdraft fees, there is no credit check, and no minimum balance requirement. 

Although the card does not require a banking account to be opened, it does require payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. Cash can also be added at one of over 135,000 participating retail partners nationwide. Plus, cardholders receive a $25 bonus when they sign up for free direct deposit. 

With this prepaid card, cardholders can even borrow money with the iAdvance Line of Credit from MetaBank. And because your repayment history is reported to the major credit bureaus, this card can also help rebuild your credit. 

Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases, do not mind paying upfront fees, and would like the opportunity to participate in the credit builder service will find the AccountNow Gold Visa® Prepaid Card, to be a beneficial option.

* Other Fees (for optional and less common services) may apply, per occurrence: Bank Teller Cash Advance: $4.95. Express delivery charge: $40. Expedited Bill Pay Service: $9.95 for Electronic, $19.95 for Check. Bill Pay Stop Payment: $20. Ordering a new or replacement card: Free one per year for Customers on Direct Deposit; $10 otherwise. Monthly Statement: Free for online access, $2.95 for Paper Statement. Non-Online Bill Pay Check Processing including but not limited to unauthorized debit transactions using direct deposit number such as paper checks, ACH debits, check-by-phone or pre-authorized payments: $5. Using International ATM to withdraw money: $4.95.Currency conversion: 2.95% of transaction amount after conversion. If you decide to close your account and request a check to bring your balance to zero, a $15.95 check fee will be applied. See website for complete terms and conditions of card usage and application disclosure.