Rush Visa Card

Convenient Access and Control

The Rush Visa card, officially called the RushCard, is a prepaid debit card that gives convenient access to your money. You control the amount of money available to spend, based on the amount you add to the card. You can use it anywhere a Visa debit card is accepted.

Russell Simmons, the founder of Baby Phat Fashions and Phat Farm, offers this prepaid debit card. Manufacturers and Traders Trust Company issue it in two card designs – a black RushCard and a pink baby phat RushCard.

Advantages of a Prepaid Debit Card

A prepaid debit card is an excellent way for a consumer to have convenient access to funds without the need for a revolving credit card account or a checking account. A prepaid debit card can be a good financial tool for consumers who:

• Want access to funds for purchases, but don't want to use a credit card
• Want the safety of not carrying cash
• Want to limit their risk to the amount of the card balance if the card is lost or stolen
• Have little or no credit history, but are over 18 with a Social Security card
• Don't want to use a checking account or open a special savings account
• Want to add funds in limited amounts to help them manage their spending
• Want to minimize the chance of identity theft

Features of the Rush Visa Card

The RushCard incorporates the advantages of a prepaid debit card plus added safety, convenience, money management and access to your funds.

Safety

• Each card has the Visa Zero Liability fraud protection – If you immediately report your card as lost or stolen, you are not responsible for purchases made by someone else.
• Only one card is issued per account, so there is no chance of unauthorized spending by another family member.

Convenience

• Make purchases anytime, anywhere that Visa debit cards are accepted - at retailers, online and over the phone.
• Get cash or check your balance at over 800,000 ATMs worldwide.
• Use the RushCard to book airline and hotel reservations.

Money Management

• Easy to add money
• No hidden fees
• No security deposit or special checking or savings account required
• Check your balance, transfer funds and track spending online with round-the-clock access, seven days a week
• Direct deposit is available from payroll and government checks. There is a $5,000 maximum direct deposit per calendar day.

Access to Your Funds

• Make purchases and pay bills in retail establishments, online and over the phone
• Cash advances from ATMs worldwide
• No need to stand in line to get a check cashed

Fees

A one-time activation fee is deducted from the card's balance as soon as you add funds to the card. There is no fee to continue to add funds to the card, but there are fees for card usage and ATM usage.

Use It Just About Anywhere

The Rush Visa Card can be used anywhere that Visa debit cards are accepted including:

• For in-store or online purchases
• To pay bills online or over the phone for over 20,000 retailers and services
• To rent a vehicle - Your RushCard must:
  • Have been active for at least three months
  • Be enrolled in direct deposit and at least two consecutive months of direct deposits of $500 or more must have been made
• At gas stations by taking the card to the attendant for authorization, it cannot be used to pay at the pump.
• At restaurants - Most restaurants will authorize up to 20 percent above your total. For example, if your bill is for $100, the restaurant could put a hold on $120 of the funds on your RushCard. The $120 will be held back from your available balance until the restaurant presents the bill to RushCard showing the actual amount of the sale. This could take a few days or up to a week.
• As an emergency card for a high school or college student – The cardholder must be at least 13 years of age. Parental consent is required for any child under 18 years of age to apply for a card.

Adding Money Is Easy

All you need to do to activate your card is to add money. You can add up to $1,000 per calendar day by:

• Mailing RushCard a check or money order
• Transferring funds from your bank account
• Setting up your RushCard as a payee on your online bill payment
• Transferring funds from PayPal
• Making a direct deposit from your paycheck or from a government benefit check
• Adding cash at over 28,000 MoneyGram and CheckFreePay locations. CheckFreePay will charge $3.95 to load your card. There is a minimum load of $25.
• Having your income tax refund automatically loaded onto your card – All you need to do is provide the RushCard routing number and account number on your income tax form.

Don't Miss the Special Offers

You can receive $5 for each person you refer to RushCard who opens an account and becomes an active user.

If you select the Baby Phat prepaid Visa RushCard you will receive emailed promotional offers and discounts on items from the Baby Phat clothing line.

Several Ways to Apply

You can apply online or by calling 866-RUSHCARD and speaking to a RushCard Member Service Representative. You can also print an application from the RushCard website to mail in.

Once your card is issued, you can call and request a personal identification number to use at ATMs.