Vision (a small card company) has earned my #3 recommendation as a very decent prepaid card. Vision offers 2 main cards: Vision Preferred Visa Prepaid Card and the Vision Premier Visa Card.
Vision Preferred Visa Prepaid Debit Card
Vision Preferred Visa Card
Providing users with some of the greatest benefits and a unique variety of features is the Vision Preferred Visa prepaid debit card with direct deposit. This amazing card comes with a great amount of flexibility in tracking spending, saving and shopping. This card also helps manage the account online. This card enables users to enjoy a great amount of immediate cash transfers, the easiest online bill payments and absolutely no check cashing fees. There are also numerous load options available with the direct deposit facility. Three important facilities mainly the money order fees, bill pay and check cashing can all significantly add up and save greater money, time and frustration. The card also comes equipped with some really greater features, which are highly beneficial for the users.
Vision Preferred Visa Overview
As all the funds on the card have a 100 percent, approval there is no need for credit checks. The pricing system is also extremely simple with no complex payment structure just a simple procedure of five fees. There is no possibility of incurring any greater amount of costs, as there are no hidden fees, overdraft fees or any interest fees. There is also a credit builder facility along with the opportunity to make free bill payments online. There is also the extremely advantageous direct deposit facility that can be taken care off. Excellent customer service can be provided through this card and the ability to attain a number of free transactions.
Vision Preferred Visa: Fees Review
The charges on the card are also not very high. The activation and monthly fees associated with this visa debit card are also a very nominal amount at only $9.95 and $4.95. With the Bancorp Bank as the primary issuer of the card and the card-network as Visa, all your precious funds are in the best of hands.
Vision Preferred Visa: Credit Builder Feature
The credit builder feature allows you to build up your finances and attain a greater number of funds for making more transactions. The bill payment system for this card is also very systematic and simple with no complex payments. The FDIC insures all the money stored on the card.
Vision Preferred Visa: Additional Features
With its excellent array of features such as the credit builder facility, the completely free text SMS alerts, bill pay and the account management online, the card is a highly viable tool which has received considerable rankings of the complete five stars. Due to the card’s ability to load funds from a diverse number of locations, it has also attained a high rating of the complete five stars. The company in charge of all the operations of this highly efficient debit prepaid card has also received a high rating from the Better Business Bureau. The fees structure is although cost-effective but when contrasted with other debit products in the market is a little higher thus has received a lower rating of four stars out of five. For all the users who make heavy transactions and our in dire need of a card that is going to provide them with top quality features then the Vision Preferred visa prepaid debit card is the best possible choice.
Vision Preferred Visa Compared To Bank Of America (and Other Bank Fees)
Many users feel that this card is a little expensive than the other debit products available in the market place but it is extremely likely that when this card is compared with other alternatives such as the Bank of Americas regular cashing and the check cashing store considerable cost savings can still be attained. For each monthly transaction, the monthly fee on the card is low at $4.95 while it is extremely high through the Bank of America (set at $12). For two ATM withdrawals, the amount charged by the card is about $3.90 through the card and higher through the Bank of America (it would cost you $4). For bill payments and online purchases, the card charges are free of cost for five transactions per month and the charges for these five transactions per month for the in-store purchases are extremely (set at at $2.38).
Vision Preferred Visa Fees & Charges Review
The fees structure associated with this card is also extremely simple and not complex at all. The monthly and activation fees are nominal at $4.95 and $9.95 respectively. All PIN and signature transactions are also free of cost or nearly free at only $0.95 and zero respectively. The card limit associated with this card is also a substantial amount of $2500, and can be increased if you’re using the card regularly. Bill payments for the visa prepaid card are zero. ATM cash out transactions and an ATM balance inquiry fee are $0.50 and $1.90 respectively.
Vision Preferred Visa: Summary Of Review
The Vision Preferred Visa prepaid debit card with direct deposit is one of two cards offered by Vision, the other being the Premier card (discussed below). Each card comes equipped with and without the main direct deposit facility (you choose).
This card is highly advantageous for consumers as it not only offers lower monthly fees compared to the other 50-some cards we reviewed – but also helps in avoiding various kinds of additional hidden fees that can be easily avoided just by exercising greater caution as a consumer. Costs associated with this particular debit card can be easily reduced just with proper caution. This can be done through making a reduced number of withdrawal transactions, saving large quantities of paper by not ordering paper statements and running u an even more sizeable bill, treating the card more like a checkbook where no money can be withdrawn without any proper check and avoiding special fees like those for stop payment, calls and customer service.
Vision Premier Visa Prepaid Debit Card
Vision Premier Visa Card
This unique debit product is one of the most efficient and cost-effective cards available in the marketplace today (apart form RushCard and AccountNow). It is the best way to pay online and offers all cardholders the most accurate features like the ability to track, save and shop all at the same time. The Vision Premier Visa prepaid debit card with direct deposit also offers customers the ability to enjoy very easy online bill payments, eliminate the rigorous need of paying cashing fees and enjoy fast cash transfers which can enable users to send checks easily all over the world through a simple paycheck with the use of the Direct Deposit facility. This Visa card is extremely useful as it saves considerable frustration and time as all the check cashing, bill paying and money order fees are wrapped up in one go. Other unique features of this card include the safe shopping online feature, a considerable 1 percent feedback on all cash purchases, free assistance on roadside and a completely free savings account with no interest or greater overdraft charges.
Vision Premier Visa: Overview
The card also has a 100 percent guarantee approval where all the money on the card requires no credit check. The pricing system is also very simple and completely free of cost just three main fees have to be paid. The cardholder also does not suffer from paying various different types of fees such as the interest fees, overdraft fees and the hidden fees. The customers are also provided the ability to make all online payments. There is a free direct deposit facility provided as well, which is one of the most beneficial features of this particular debit card. The cardholders can also benefit from considerable free purchase transactions as well as excellent quality customer service.
Vision Preferred Visa: Main Features
The Vision Premier Visa prepaid debit card with direct deposit also has very nominal activation and monthly fees for its users. These amount basically to $9.95 and $7.95 respectively. The bill payment procedure is not only simple but also increasingly systematic thus not demanding any extensive and complex payment schedule. There is ***NO*** credit builder facility provided on the card and the user has a greater chance of maintaining funds and keeping a check on all their cash balances. The funds on this good debit card are also fully backed this is because they are completely insured by the FDIC. With the trustworthy card network, namely Visa handling all operations and the issuer being the Bancorp Bank it is no wonder that all the funds and money on this debit product is in the very best of hands.
Vision Preferred Visa: Better Business Bureau Ratings
The Vision Premier Visa prepaid debit card with direct deposit has received some of the most favorable ratings yet. Its amazing array of features such as the free online bill pay, roadside assistance, free savings account the card has received one of the highest ratings of complete five stars. As the users are able to load in a number of ways on the card therefore the load and reload options has also received a considerably high rating. As the company in charge of the operations of the card is highly efficient and quick at dealing with all customer queries, the Better Business Bureau has given it a high rating. The fees structure is not as efficient and cost-effective as the other debit products because the fees are slightly higher than the rest. For all those customers who require a wonderful array of features, this is the ultimate product. It is important to understand that extra features come with additional charges.
Vision Preferred Visa Pricing & Fee Structure
The Vision Premier Visa card with direct deposit has a very simple fee structure. Only three main fees that need to be paid. These include monthly fees, activation fees and an ATM withdrawal fee. Both the activation and monthly fee is extremely nominal only at $9.95 and $7.95. Signature transactions and the PIN transactions are all completely free of cost. The card limit for this unique card is also extremely substantial at $2500. Bill payments through this card are also zero. ATM transactions such as the withdrawal payment and the balance inquiry are also at very low costs. The former is low at $2.50 and latter is completely free.
The prepaid debit card can also lead to greater cash savings especially when it is compared to other debit products like the check-cashing store and the Bank of Americas regular cashing facility. The monthly fee for one transaction per month is extremely low through the card at only $7.95 while through the Bank of America is at $12. For cash back of $2000 per month, the amount charged through the card is zero while it is very high through the check-cashing store at $90.80. For two ATM withdrawal payments the price is little higher through the card at $5 rather than Bank of Americas $4. Bill payments for five transactions per month, the online purchases and the in-store purchases the amount charged is zero. Overdraft facilities are not provided through the card but are provided at a very high price through the Bank of Americas regular cashing facility.
Vision Preferred Visa: Conclusion
The Vision Premier Visa Prepaid Debit Card is available in primarily two options with direct deposit facility and without it. One particular graphic style is also available with the card. With the direct deposit option, the cardholder can also attain free customer calls. There are numerous low tips that can be sifted through, and kept in mind to avoid greater number of additional charges. All debit cards come associated with a number of additional fees but if proper caution is exercised then these can be carefully avoided. It is important to remember why a specific social security number to get a debit card, how a certain sum of funds can be loaded on the prepaid card through the Visa ReadyLink network.
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