Metabank Credit Cards
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Metabank Credit Cards

Ever wish you could you do business with a small-town, all-American company that cares but can still offer you big-name products? Metabank credit cards can offer you just that. Founded in the quaint town of Storm Lake, Iowa, Metabank began as a true mom-and-pop operation. The founder opened his first bank with a philosophy that remains the driving force behind the company even today: “You’ve just gotta take care of the people.” What began as a modest $10,000 investment is now a respected corporation with close to a billion dollars in assets.

Metabank takes care of its customers by providing them with the best—products and services that are tailored to customers’ unique needs. Metabank credit cards are no exception. Low interest rates, purchase rewards, cash back, and 0% introductory APR’s are just a few of the perks Metabank credit cards have to offer. A big selling point of Metabank cards is that not a single one of them charges an annual fee. You earn all the privileges of being a Metabank cardholder for absolutely no fee as long as you use your card at least four times per year.

In what follows, we’ll give you some information on Metabank cards to help you decide which is right for you. We’ll also provide some helpful tips on using credit cards responsibly, so you can continue to reap the benefits of your good credit. Finally, we’ll give you the answers to some of the most commonly asked questions about Metabank credit cards. Don’t miss out on this great opportunity…apply for your Metabank credit card today!

BuyRIGHT Pre-Paid MasterCard®
Annual fee: $0
Application fee: $29.95
Participation fee: $59.40 ($4.95 monthly)**
Rating: 4.00
Regular APR:
The BuyRIGHT Pre-Paid MasterCard®, issued by MetaBank, is a stored value card designed for those who would like to take advantage of the rewards program and the shopping membership that this card has to offer. This stored value card does require payment of an initial load of $20. Funds may be loaded onto the card in numerous ways and although fees do apply to most funding methods, there is no charge to fund the card via direct deposit. Funds loaded to the account are available for future purchases made with the card. The card has a $29.95 account set-up fee, and cardholders have the option of choosing between paying a monthly fee of $4.95 or paying no monthly fee with a per transaction fee of $1. If the cardholder plans to make at least five card transactions per month, it would be beneficial to pay the monthly fee, since any more than five transactions would result in fees that would exceed the set monthly fee. Cardholders will have the option to sign up for the Credit Building Program. The program allows customers to make purchases online at SmartCreditShopping.com through a pre-approved $7,500 line of credit. The $7,500 credit line available for this membership is separate from that of the BuyRIGHT Pre-Paid MasterCard®. It is important to note that at least a $10 deposit is required for merchandise purchases. The cardholder's new account as well as their monthly payment history will then be reported to at least one major credit bureau. Through the BuyRIGHT Rewards Program, cardholders earn one point per dollar spent on general purchases. No yearly limit or expiration applies to these points. Cardholders can redeem points for ring tones, music downloads, prepaid wireless airtime, and long-distance calling cards. Cardholders will also have access to the BuyRIGHT Cash Back referral program, which will reward them with $5 if they sign up for direct deposit within 30 days and $25 for every cardholder that they refer. Therefore, those who are looking for
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Vision Silver(SM) Prepaid MasterCard®
Annual fee: $0
Application fee: $9.95
Participation fee: $3.95
Rating: 4.00
Regular APR:
The Vision Silver(SM) Prepaid MasterCard®, issued by MetaBank, is ideal for people who are finding it difficult to obtain either a secured or an unsecured credit card. Applicants will not have to go through a credit check because approval is guaranteed. With this prepaid card, cardholders fund their own credit lines, which eliminates the risk of owing creditors. As with most prepaid cards, this card has several fees associated with usage*. To start, cardholders will be charged an activation fee of $9.95. Every month thereafter, they will be charged $3.95 monthly. For the first year, cardholders can expect to pay $57.35 for these two fees combined. There is also a $25 shortage fee, which cardholders are charged whenever their accounts go into negative territory. Additional fees apply with ATM usage, PIN transactions, and cash advances. Please review the issuer's website for further details on all fees. While this card may come with many fees, it also has a number of free features available to all cardholders. These free features include unlimited signature transactions, online access to statements, e-mail and text message alerts, and automated customer service. The Vision Silver(SM) Prepaid MasterCard® is a good option for people who want to make electronic transactions but who don't want, or can't get, a traditional credit card. *See terms and conditions for complete details.
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AccountNow® Prepaid MasterCard®
Annual fee:
Application fee: $9.95
Participation fee: $119.40 ($9.95 monthly)
Rating: 4.00
Regular APR:
The AccountNow® Prepaid MasterCard®, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card. Although the card does not require a banking account to be opened, it does require payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by wiring money from an established bank account or through MoneyGram® ExpressPayment®. It is important to note that there are some fees associated with this card that include an account set up fee of $9.95 (waived with direct deposit loads) and a monthly participation fee of $9.95, which amounts to $119.40 annually. There is no additional charge for U.S. purchases. So, in the first year alone, a cardholder can expect to pay a minimum total of $129.35 in fees. It is common for stored value cards to lack benefits; however, this card does offer a free bill pay service (for the first seven transactions each month) and access to a free credit builder service, which reports bill payment information to a national credit reporting agency. Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases, do not mind paying upfront fees, and would like the opportunity to participate in the credit builder service will find the AccountNow® Prepaid MasterCard®, to be a beneficial option. This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan). AccountNow® Prepaid MasterCard® is issued by MetaBank pursuant to license by MasterCard International Incorporated. Master
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NetSpend® Visa® Prepaid Debit Card
Annual fee:
Application fee: $9.95
Participation fee: $119.40 ($9.95 monthly)
Rating: 0
Regular APR:
The NetSpend® Visa® Prepaid Debit Card provides 100% approval with no credit check required. There are two pricing plans available with this prepaid card to fit your specific needs, the Pay-As-You-Go plan and the Fee Advantage plan. Setting up direct deposits from your employer to your card account is free, or you can make free account-to-account transfers via the Internet to load funds to your card. You can add up to $10,000 to your account, and your funds are held in an exclusive 5% APY savings account. You'll also be able to borrow money and build credit with the iAdvance line of credit, plus there are absolutely no overdraft fees or minimum balance requirements. Sign up for the NetSpend® Visa® Prepaid Debit Card today to get instant approval with no credit checks.
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AccountNow Gold Visa® Prepaid Card
Annual fee: 0
Application fee:
Participation fee: $9.95
Rating: 0
Regular APR:
The AccountNow Gold Visa® Prepaid Card, issued by MetaBank, is a stored value card designed for those who may have difficulty obtaining a standard unsecured credit card. This card allows cardholders to enjoy the convenience of a bank account and the privilege of a gold card, all in one. With the AccountNow Gold Visa® Prepaid Card, there are no late or overdraft fees, there is no credit check, and no minimum balance requirement. Although the card does not require a banking account to be opened, it does require payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. Cash can also be added at one of over 135,000 participating retail partners nationwide. Plus, cardholders receive a $25 bonus when they sign up for free direct deposit. With this prepaid card, cardholders can even borrow money with the iAdvance Line of Credit from MetaBank. And because your repayment history is reported to the major credit bureaus, this card can also help rebuild your credit. Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases, do not mind paying upfront fees, and would like the opportunity to participate in the credit builder service will find the AccountNow Gold Visa® Prepaid Card, to be a beneficial option.
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