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Gloss Prepaid Visa® RushCard Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
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RushCard is a prepaid Visa® debit card issued by UniRush Financial Services. The cards can be used much as a bank debit card, with customers depositing funds into cards at certain retail locations, through card transfers, or through mobile check deposits. They are then able to withdraw cash, make purchases, and pay bills online. UniRush was founded in Ohio in 2003 by hip hop mogul Russell Simmons, and was purchased by Green Dot Corporation in 2017.
 
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How is Gloss RushCard rated?

Breakdown

4.5/5
Card Characteristics
4.5/5
Additional Services
5.0/5
Customer Experience

Overall Rating: 4.6 / 5 (Excellent)

RushCard (Gloss) presents users with a long list of benefits, comparable to those found with a brick-and-mortar bank - online account management, bill pay, mobile check deposits, and ATM withdrawals. It also adds in plenty of perks usually not found at a bank, for example, cash rewards, refer-a-friend bonuses, and even personalized financial counseling. Unfortunately, the long list of benefits also has a long list of fees to match. Depending on the plan you choose, RushCard can charge either a monthly fee or a fee of $1.00 per purchase, which can really add up. It also charges customers for card-to-card transfers, over-the-counter cash withdrawals, and for requesting your balance at an ATM. While these fees are less than other prepaid cards, it is important to keep these in mind when comparing to a banking institution. However, for the many consumers who do not have access to traditional banking accounts for one reason or another, RushCard does provide enough rewards and features to make it worth considering.

Gloss RushCard Card Characteristics

Card Characteristics - 4.5 / 5

RushCard does not run credit checks and does not require a minimum balance. It does have daily deposit limits: $2,999 for cash deposits and $2,000 for card-to-card transfers. It also has a maximum balance of $10,000. The card offers two plans: unlimited and pay-as-you-go. The RushCard unlimited plan charges a monthly fee ($7.95 OR $5.95 if you receive a payroll/government benefit Direct Deposit in the prior month) but does not charge transaction fees. The pay-as-you-go charges $1.00 per purchase.

Fees & Penalties

  • Withdrawal Fee
  • Monthly Fee
  • Balance Inquiry Fee
  • Purchase Fee
  • Transaction Fee
  • Foreign Transaction Fee
  • Maintenance Fee
  • Dormancy Fee
  • Over the Counter Cash Withdrawal Fee

Fees Link

this page.

Gloss RushCard Additional Services

Additional Services - 4.5 / 5

RushCard offers rewards programs as well as the opportunity for complete online account management. It also allows customers to deposit checks with their cellphone and receive their payroll, government benefits, and/or tax refunds two days early.

Features

  • No Credit Check
  • Text Alerts
  • Online Account Management
  • Mobile App
  • Budgeting Features
  • Mobile Check Capture
  • Online Bill Pay
  • Early Tax Refund

Rewards

  • Cashback
  • Points Programs
  • Refer a Friend

Gloss RushCard Customer Experience

Customer Experience - 5 / 5

RushCard, which also operates under the names of parent companies UniRush Financial and Empowerment Ventures LLC, is the subject of more than a thousand complaints at the Consumer Financial Protection Bureau. Most of the complaints were filed between 2015 and 2017, and many were related to a 2015 incident in which a computer glitch blocked hundreds of thousands of consumers' access to their accounts. UniRush Financial also gets a C grade from the Better Business Bureau, with more than one thousand complaints filed there as well. In addition to complaints related to the 2015 incident, hundreds of customers also referenced poor customer service and inefficiency in dealing with lost or stolen cards.

Help & Support

  • Phone
  • Email
  • 24/7 Support
  • Articles

Reviews and Complaints

BBB Rating
C
CFPB Total Complaints
1
Date Collected
2018-09-10

Company Profile

Full Name
Gloss Prepaid Visa® RushCard
Top Rated
Our Partner
  • Earn PayPal cash back rewards from select merchants
  • Move money from your PayPal account in real time
  • No late fees because this is not a credit card 
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