The AccountNow® Prepaid Visa® Card is a prepaid credit card that comes with a variety of features. Prepaid credit cards can help consumers achieve a number of short-term financial goals including gaining access to a card to make online and telephone transactions, access to money through ATMs and budgeting discipline.
Prepaid cards like the AccountNow® Prepaid Visa® Card are not credit cards; accountholders cannot spend more than the balance they have deposited, there is a credit line feature available in this particular card. Prepaid cards from Mastercard and Visa allow the accountholders to load money onto the card and then use it like any other major bank credit card.
To open an AccountNow® Prepaid Visa® Card the card has an instant approval feature and there is no ChexSystems report needed or credit check required. To apply for an AccountNow Prepaid Visa or MasterCard card, prospective credit card account holders will need to provide their name, phone number, email address, social security number, and mailing address.
The AccountNow® Prepaid Visa® Card is free to sign up for and to obtain the prepaid card in the mail. When an account holder wants to add money to the prepaid account, there is an activation fee as well as monthly service charge. If an account holder uses direct deposit to add money to their prepaid card, AccountNow waives the activation fee.
One of the benefits of the direct deposit feature is it can make the access to the funds less expensive than using check cashing services. The card can be safer to hold than cash. If the prepaid card is lost or stolen, the card has the same protection Visa offers all of its customers.
When card account holder chooses to add money to their prepaid account with cash, the store location that is used for this process normally charges a fee for the service and the amount of that fee will vary depending on the store. AccountNow does not charge for adding money to the prepaid account.
To open an account, customers can sign up online or call 866-925-2036 to sign up for the card by phone.
The AccountNow Prepaid Visa Card is one of the few prepaid cards that can report to a credit bureau with its line of credit option. With its iAdvance Line of Credit featue offered by AccountNow, accountholders can borrow money on the account.
The current monthly service fee with the card is $9.95. There is a $2.50 fee for using a U.S. ATM to withdraw money. Other optional fees are also charged for specific card use such as cash advances.
Fees and charges can vary significantly between different prepaid credit card offers. Reasonable efforts are made to maintain accurate information regarding this card offer, however all credit card information is presented without warranty. AccountNow reserves the right to modify or discontinue any product, services or special offers with or without prior notice. Always read the terms and fees disclosure provided by the credit card issuer on their site before applying and accepting a new credit card prepaid card.
Credit cards are a convenient tool for accessing funds and provide services such as building a credit profile, offering rewards and bonuses and providing purchase protection. Compare card features, interest rates, annual fees and all of their services to find the best card to fit your needs.
An often overlooked credit card with a very competitive rewards program and low introductory credit card rate for purchases and balance transfers is the PNC Everyday Rewards Visa bank credit card.
PC has a broad selection of credit card options including those that earn rewards, get cash back, save money with a longer introductory offer and a lower credit card rate.
The PNC Everyday Rewards Visa credit card clearly promotes its rewards program towards everyday purchases. The details of this program include credit card rewards of up to 4% on gasoline purchases, up to $250 in eligible monthly net purchases. Credit card rewards of 3% on cinema and movie rentals up to $150 in eligible monthly net purchases. Rewards of up to 2% on food purchases including grocery store purchases, restaurants as well as fast food locations up to $750 in eligible monthly net purchases. And up to 1% rewards on almost all other purchases up to 1/4% on first $10,000 in eligible net purchases each year, 1% thereafter with no limits.
The credit card has no annual fee. The introductory credit card rate is at 0.99% for the first 6 billing cycles and covers both purchases and balance transfers.
After the introductory period expires, the credit card rate is a variable rate currently between 9.99% and 21.99%. The rate is based on the applicant’s credit profile and the credit card application that is processed. The credit card APR will vary based on the prime rate.
PNC Everyday Rewards Visa also offers benefits such as fraud and identity theft protection, the Verified by Visa online password protection, zero liability for unauthorized or fraudulent charges and online credit card account management access.
The PNC Everyday Rewards Visa credit card can be applied for online in which a response can be obtained in minutes, in person at a local PNC Bank branch, by mail or via phone.
PNC Bank, N.A. is the creditor and issuer of the PNC Bank credit cards including the PNC Everyday Rewards Visa credit card
PNC Bank is one of the largest financial institutions in the U.S. PNC offers a wide range of banking products and services for individuals, small businesses, large corporations and government entities. PNC offers everything from personal banking services to wealth management, business banking and corporate & institutional services.
The information listed on the credit card rates and terms is believed to be accurate at the time of this publication but is presented without warranty. Review the credit card terms and conditions on the credit card directly with the credit card issuer before applying for a new credit card.