Black Diamond RushCard

The Black Diamond RushCard is for anyone really. It is a prepaid card that provides financial freedom and can be utilized for convenient and secure spending. It is especially designed with specific individuals in mind who have financial difficulties such as:

• No credit history
• Bad credit
• Poor spending habits
• Need for money management
• Students with no established credit

Other individuals who choose this card are simply looking for a way to avoid costly interest charges that are associated with traditional credit cards or convenience fees that sometimes come with a regular bank account. With its 100% guaranteed approval rate and the fact that users can never spend more than the amount they have deposited in their account it's a great card choice for anyone who struggles with overspending or frequently accrues large interest fees and overdraft charges.

People who are looking for an easy way to budget their money or track their spending may also find this card attractive. With its online money tools cardholders do not have to keep track of receipts or worry about staying within a budget because it can all be track online with spreadsheets and graphs.

For those who spend a lot each month on prescriptions or healthcare, this card is also a great choice as it allows users to get discounts on doctor visits, healthcare products, or prescription drugs. Enrollment in these services is free and cardholders can save anywhere from 10-85%.

Benefits – At first glance, you will want to choose the Black Diamond RushCard based solely on its stylish appearance. The color and large diamond make it a card that anyone will notice when you take it out of your wallet. What you can't see on the surface is that the Black Diamond card also comes with some amazing added perks and benefits for its loyal customers.

• No overdraft fees
• Safer than cash
• Convenient
• Accepted worldwide
• Free customer service
• Access account online or by mobile phone
• Visa Zero Liability
• Text and email alerts

Rewards – There are currently no Rewards Programs associated with this card. However they do offer several chances to win cash back or rewards through several sweepstakes. These include:

• Winner-A-Week – Between September 2011 and August 2012 you can have a chance to win $200 each week simply by using direct deposit to deposit $100 onto your card every week.
• Visa Prepaid Tax Sweepstakes – You'll be entered to win $10,000 just by loading your federal tax refund onto your card by April 16.
• Lunch with Russell – By receiving you tax refund as a direct deposit you will be entered in a drawing to win a t two day trip to meet Russell Simmons.

Unique Features - As one of the first prepaid cards on the market, this card is a step ahead and offers many unique programs and advantages that many other cards do not. Cardholders can utilize as many of the programs as they want and most of them are totally free.

• Rush Bill Pay
• Fraud detection and prevention system
• RushGoals – separate savings account
• Refer-a-Friend
• Money Tools
• Discount Health Plans

As a member of the RushCard collection, the Black Diamond card's fees are very similar to any of the other cards offered under this brand. They are reasonably priced compared to other brands of cards and want to keep their fees competitive. The services and low-hassle usage they offer are well worth the price of the low monthly fees and minimal service charges.

When you choose this card there are also three plans to choose from. Your choice of plans will depend on how much you anticipate using your card each month and in what ways you will use it most. This plan can always be changed if you use your card more or less than you originally planned.

Fee Schedule

Loading and reloading funds onto your Black Diamond RushCard is easy and convenient. Whether it's using cash, a paycheck, or a bank issued check, with as little as $1 you can make a deposit into your account. Your deposit limit per day is $5,000 but as long as you have money in your account there is not limit on what you can spend per day. Use one of the following hassle-free ways to get access to your money more quickly.

• Direct Deposit – By using direct deposit you can have your payroll check or any government benefit checks sent directly to your account. This service is completely free and you never have to worry about the time or check-cashing fees you might otherwise have to deal with.
• Tax Refund – Both State and Federal tax refunds can be deposited directly into your account. Simply put your account number and card routing number on your tax return. You can receive your return up to a month faster than waiting for it to come in the mail.
• PayPal – If you use PayPal frequently and want to transfer funds from there to your card account it is as simple as logging into PayPal and selecting "Withdraw" under My Account. Then enter your Rush account number and card routing number. You can transfer money quickly and completely free.
• Cash – Having money on your card is far safer than carrying around a large amount of cash. To deposit your cash onto your card simply use one of their partner services such as Western Union or the Green Dot MoneyPak. There are typically fees associated with these services.
• Check or Money Order – Money can be loaded to your account by sending a personal check or money order to UniRush Financial services. This service is free but takes up to 10 days to process.
• Bank Transfer – If your bank offers electronic bill pay services you can conveniently transfer funds from a savings or checking account by supplying your bank with and address, phone number, and account number for your card.