BuyRight Card

BuyRIGHT makes it easy for any and all consumer to apply for their card. As long as you are over 18 it's as simple as filling in some basic personal information including your address, date of birth and social security number. While there is a waiting period for a check on your identity, anyone who applies is guaranteed to be approved.

It doesn't matter whether you have bad credit, can't get a credit card, or do not have a personal bank account. With this card you will have access to your own money without the fear of overspending or accruing major overdraft charges. It is also a great option for those who are continually rejected by credit card companies or who are unable to open a bank account for any number of reasons.

If you have a hard time keeping track of where your money goes or just don't know how to limit your spending, this card is great for people trying to budget their money. It is also much more convenient to carry than taking a check book or having to pay cash everywhere you go. And if you do a lot of shopping online or need to reserve a hotel room over the phone, those things simply cannot be done with a card in your wallet. It also makes a great gift that can be reloaded over and over at every birthday or holiday.

Benefits – Not only is the BuyRIGHT card convenient and easy to apply for, but it offers many other great benefits to individuals who need an alternate form of spending or have a less than attractive credit rating. Check out some of the benefits you can take advantage of by owning this particular prepaid card.

• No credit score required
• 24 hour online access to your account
• No annual percentage rate
• 100% approval guaranteed
• Free electronic online bill pay
• Free Direct Deposit
• Choice between 3 eye-catching card designs
• Live customer service 12 hours/day
• More than 100,000 locations to reload card

Rewards – Very few cards come with a rewards program but when you spend money with this card you can actually get something in return. For every dollar you spend you'll earn 1 point in your reward "bank". Rewards are guaranteed and can be redeemed for a variety of things including:

• iTunes
• RedBox
• Starbucks
• Ring tones
• Music downloands
• Calling cards
• Prepaid wireless minutes
• Cash

Unique Features – In the competitive world of prepaid cards, companies like Metabank have found that in order to market their card and make it desirable to consumers they need to be different and innovative. That is why BuyRIGHT has added some of these unique features that make it stand out from the rest.

• Free direct deposit
• Free text and email alerts
• Daily credit advice and information from the BuyRIGHT Resource Center
• Cash Back Program - $5 for signing up for direct deposit within 30 days, $25 for each new referred cardholder

There are always fees associated with owning a prepaid card, and BuyRIGHT does not claim to be completely fee free. However, they do offer some much lower and comparable fees to their competitors. When seeking a prepaid card you always want to make sure you know what types of transactions you'll be paying for each month.

This card prides itself on not keeping any fees hidden for their cardholders. You can see a brief description of the most common fees below but when applying for the card you'll want to read its terms and conditions to gain a more comprehensive insight into its fee schedule.

Fee Schedule

* The first live customer service fall you make each month is free, additional calls are $1. Automated service calls cost $1 after the first TWO per month.

When using your card to withdraw money from an ATM you may only make 3 withdraws from a terminal per day and you cannot exceed more than $500 via ATM each day. When making purchases at a retail store, restaurant or other location, cardholders can spend a maximum of $2500 eacy days as long as there is enough deposited in to their account.

The most important aspect of owning the BuyRIGHT prepaid card is keeping your account sufficiently loaded with funds so you'll always have something to spend when making a transaction. While it is simple to reload money into your account it can't be done while standing in the check-out of the grocery store so you always want to make sure you know how much you have available before buying groceries or going on a shopping spree.

It is very simple and convenient to reload your card with additional funds and this company offers several options for doing so. When pre-loading or re-loading your card you are required to deposit a minimum of $10 each time and can only deposit a maximum of $2500 per day.

• Direct Deposit – By providing your account number to your employer you can have your monthly paycheck deposited directly into your personal card account. This service is totally free and you can confirm deposits by logging into your online account any time of the day. You can also set up a text or email alert to inform you of when a deposit is made.
• Green Dot MoneyPak – The MoneyPak is used by several prepaid card companies to reload cash in to their card's account. By purchasing the MoneyPak at a retail location, there are more than 50,000 across the United States; you simply pay the cash and a small fee. You then take the card home, enter the card's numbers into your BuyRIGHT account, and your card is reloaded. You can also make the transaction over the phone.
• Western Union SwiftPay – There are over 50,000 Western Union agents located across the nation. For a small fee you can reload cash to your card by simply filling out a printable form from your online account. Give the form and you cash to the agent and they post the funds automatically to your account.
• Bank Transfer – Most banks will make a Federal Reserve Wire Transfer directly to your card. Simply give them the cash you want transferred and your account number. This service does cost $9.95.
• PayPal Transfer – If you have an online business or are in the habit of selling goods online you probably have a PayPal account where you receive payments. These payments can be transferred to your card absolutely free of charge.