- Accepted Everywhere VISA is Accepted
- No Credit Check, Income Requirements or Bank Account Required
- FREE Online Access to Account
- FREE Mobile Alerts - Text to Your Mobile or Email
- FREE Bill Pay Service - Pay Anyone Online or Over the Phone
- FREE Bill Pay Service - Pay Anyone Online or Over the Phone
- FREE Rewards Program - Earn 1 Point for Every $1 Spent
- No Bounced Check, NSF or Overdraft Charges EVER!
Introductory APR Info
Regular APR
Annual Fee
No Introductory Rate Available
n/app
$0
Card Review
The Wired Plastic™ Prepaid Visa® Card, issued by The Bancorp Bank, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card.
Although the card does not require a security deposit, it does require payments in advance, which are then used to offset future purchases made with the card.
There is no interest applied on the account, no annual fee, and none of the other charges similarly found with most unsecured credit cards.
There are also fewer credentials required in comparison to common unsecured credit cards, such as a no credit check policy, no employment verification, and so forth.
Nevertheless, it is important to note that there are some fees associated with this card, such as a one-time application fee of $9.95, a monthly maintenance fee of $3.95 ($47.40 annually), and a minimum initial load amount of $10.
So in the first year alone, a cardholder can expect to pay a total of $57.35 in fees.
This is very reasonable for this type of card.
It is common for stored value cards to lack benefits; however, this card does offer automatic bill payment, direct deposit, and access to a unique reward program.
Through the Wired Points Rewards program, one point is earned for each dollar spent on purchases made with the card.
Points do not expire and there is no limit to the number of points that may be earned per year.
Points can be redeemed for long distance calling cards, music downloads, a variety of ring tones, and prepaid wireless airtime at participating partners.
Therefore, those who are looking for a stored value card to pay in advance for purchases, do not mind paying upfront fees, and will take advantage of the reward program may find the Wired Plastic™ Prepaid Visa® Card to be a beneficial option.
Additional Card Details
Overall Rating
5 Stars
Benefit Rating
5 Stars
Issuer
The Bancorp Bank
Card Type
Visa
Card Status
Standard
Important Notations
No credit checks.
No bank account required.
Must be a U.S. citizen and have a social security number to get approved.
Not available to residents of Puerto Rico, Guam, Virgin Islands, or America Samoa.
No income requirement.
No employment verifications.
No security deposit.
Various additional fees associated with the card, see website for details.
See website for complete terms and conditions of card usage and application disclosure.
Grace Period
n/app
Minimum Limit
n/a
Maximum Limit
n/a
Minimum Deposit
$10
Over Limit Fee
n/app
Cash Advance Fee
$1.95 for U.S. ATM transactions; $4.95 for international ATM and bank teller transactions
Balance Transfer Fee
n/app
Application Fee
$9.95
Rebate Minimum
n/app
Rebate Maximum
n/app
Additional Rebates
n/app
Mile Details
n/app
Miles Per Dollar Spent
n/app
Additional Miles
n/app
Miles Work with FF Program
n/app
Points Per Dollar Spent
1 Point
Point Details
Points can be redeemed for prepaid wireless airtime with participating partners, long distance calling cards, music downloads, and ring tones.
Additional Points
None
Approval Bonus
None
First Purchase Bonus
None
Balance Transfer Bonus
None
Other Bonus
None
Bonus Details
None
Additional Perks
Various Internet account related services.
Automatic bill payment.
Free direct deposit load option.
Access to the Wired Points Rewards program.
See website for additional benefits.