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The Approved Card from Suze Orman

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suze orman prepaid card
Prepaid Card
3.5 666 reviews   Write a Review!
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The Approved Card from Suze Orman’s Key Fees

  • ACTIVATION FEE $3.00
  • MONTHLY FEE None 1st month, $3 after
  • SIGNATURE TRANSACTION FEE Free
  • PIN TRANSACTION FEE Free
  • ATM TRANSACTION FEE $2

The Approved Card from Suze Orman’s Highlights

  • $2.00 per transaction at AllPoint ATMs (waived for 30 days with a qualifying Direct Deposit or Bank Transfer of $20.00 or more); $2.00 per withdrawal at all other ATMs plus any fees charged by the ATM owner or operator
  • The Approved Card is a prepaid card, not a credit card, so you can’t get into debt when you use it. You can use the Approved Card wherever Debit MasterCard is accepted, and it’s safer than cash.
  • Load it and use it every day! Use it to pay your bills online and for everday purchases. You can even set up an Emergency Fund to set aside money for the “what-ifs” in life!
  • Your personal information is protected with constant monitoring from TrustedID®. If they ever detect a risk to your personal information, they’ll alert you immediately and connect you with their on-call protection specialists to resolve the situation.
  • Set some money aside by depositing it into your Emergency Fund. You can't spend this money without first contacting Approved Card customer support, so you will not spend it by accident, but will find it easier to save.

The Approved Card from Suze Orman’s's Additional Info

  • LIVE CUSTOMER SUPPORT Free 1st call/month; $2 after
  • AUTOMATED CUSTOMER SUPPORT Free
  • RELOAD OPTIONS Direct Deposit, Western Union, Money Gram
  • CANCELLATION FEE Free
  • INACTIVITY FEE None

The Approved Card from Suze Orman Reviews

 
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3.7
Overall Rating: 3.7 / 5
Total Ratings: 666
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Feb 11, 2014
Photo of Ken C.
1
By:
There are fees among fees but that is standard for this type of card. Customer service is next to zero but that was not an option on this review. If you try to cancel the card there are complications with that to put it mildly. The card is cancelled but they still withdraw money from your account and charge you every time you call to get a status. If things go well and you don't mind running around to transfer funds manually or go to your bank time and time again to confirm "The Approved Card" that it is really you transferring the funds, the card kind of works. Right more
Mar 9, 2014
Photo of Ken C.
Ken Campbell
I was finally able to get the account working again after a month of running around. We will see how things go now. There seems to be a shift in the level of customer service lately.
Sep 20, 2013
Photo of George B.
3
By:
I am an existing card holder. Recent changes to the card's web site prompt many questions, but neither the phone number on the back of my card nor the email options on the web site work, leaving no way to resolve problems. How can this be a "people first" card if people cannot contact them?
Feb 4, 2013
Photo of Mike D.
1
By:
Rip off. Fee after fee charged. Difficulty cancelling, because even after it's cancelled they continue to withdraw money, which leads to bank fees when money is not there.
Feb 4, 2013
Photo of Mike D.
1
By:
This is such a rip off. There are fees among fees. Then when you try to cancel the card there are complications with that. The card is cancelled but they still withdraw money from your account. Then you try to go online to stop the money from being withdrawn, then there hoops to jump through. You have to reset your password. They say they are sending your new password to your email,...it never appears, not in spam or junk either. Just a scam don't do it. Suze Orman shame on you.
Sep 20, 2012
Photo of 4i
5
By:
American Express prepaid card is the best out there.
Dec 30, 2013
Photo of Janet A.
Janet Aldrich
AMEX isn't taken everywhere. I have several bills I pay with my (MC) prepaid card that I couldn't pay with AMEX.
Sep 16, 2012
Photo of Cindy M.
2
By:
In just over a month Suze Orman's card has helped us rein in our spending dramatically. The way it's going to improve MY credit score is to help me get previously-used credit cards completely paid off! I'm sure that's true of any prepaid card. 2 things I'm uncomfortable with: it takes 3 days to get money from my bank deposited onto the card (although if I have it there already, transfering money from main account to husband's card is immediate). I like the per-transaction e-mails, but the phone TEXTS are not specific about whose card they're referring to, AND, unlike the e-mails, they tend to lag in immediacy, sometimes DAYS more
Apr 6, 2012
Photo of Renie C.
2
By:
The Suze Orman credit card is not a what it is cracked up to be.. 1. monthly fee (I pay my credit cards off each month and I don't get a charge) Customer Service is free for 1 call and then you pay $2 for each additional call. My other credit card doesn't charge at all to contact them. The worst thing about this card is you have to go through a 3rd party to put money on it to spend, such as western union. WHAT? Is she just trying to confuse people? Just pay your bills and don't get yourself into a financial crisis.
Apr 6, 2012
Photo of Card H.
Card Hub
You are absolutely right!! However, a more accurate comparison should be relative to your debit card because Suze's card (like all other prepaid cards) does NOT offer a line of credit and does not help you build ANY credit history.
Apr 2, 2012
Photo of LaMont J.
1
By:
Don't like the monthly fee.
Mar 28, 2012
Photo of Cindy N.
4
By:
I just saw this on the Nate Berkus show. I think this idea is wonderful and its about time someone did this...thank you Suze Orman!
Mar 28, 2012
Photo of Bonnie A.
4
By:
Per Suze Orman herself (she is on Nate Berkus now). Other Prepaid cards charge a monthly fee of $50. She also said there is no prepaid card that will give you a fico score or any credit score for that matter. However, with this card you have unlimited access to free credit scores of your other cards and after six months of use with this card, then Fico will do an evaluation to determine if they can give you a score. It is the first card to do this, but throughout the time you have the card your information is shared with the 3 credit score companies. Cheers! I still more
Mar 28, 2012
Photo of Card H.
Card Hub
Bonnie Alexander - While Suze is certainly right about the fact that no prepaid card will impact your FICO score, her card does not provide any tangible benefit to your credit standing either. What seems to get lost in The Approved Card's marketing spiel is the fact that TransUnion is merely using anonymous data about card transactions to judge whether or not it would make sense to include prepaid card and debit card information on consumer credit reports down the road. This deal won't affect you at all in the short term and is unlikely to amount to much in the long term either. In short, it's neither a reason
Feb 24, 2012
Photo of Tami D.
1
By:
This card has a lot of fees. The best card I have ever used is the readydebit card.
Feb 2, 2012
Photo of Dinorah N.
1
By:
This is just awful. Charging people to use their own money? As well it is NOT helping your credit score "as of yet" I cannot believe Suze Orman Is doing this. She has always been on the up and up...and On top of it it's not helping the consumer.... Try Going to a local Credit Union to build your score/ help with your credit, They might be able to help you without charging you these Fees!
Feb 3, 2012
Photo of Creighton M.
Creighton McCain
The 3.00 fee is all you pay! if its used properly and that is worth it just for the free credit bereau scores you get! Plus allpoint atm network free with only 20 bucks deposited monthly. This card is alot better then some others. She is trying to start a movement by having the bereaus use debit cards to build your score..
Feb 2, 2012
Photo of Creighton M.
4
By:
Wow I really don't get some of the critisicm of this card. I don't even need it & I signed up for one because the 3.00 fee is so worth the Transunion credit monitoring! Plus you can use allpoint atm's for free with no fee just by direct depositing 20 bucks per month! Which is no problem for me. This card may not suit everyone, but compared to other offerings it's great.. Again I don't see why the big rant people are making?
Jan 23, 2012
Photo of Phil H.
1
By:
lol..maybe in 2 years..but I don't care..if u have a 0 credit score..that means u owe 0 banks..loan companies and credit cards 0 money...witch means u have 0 debt! the penalty and price we pay for having a fico score is known as interest..that's extra money we pay some one else for things we bought on credit..im only interested in paying interest to myself..and making " pay me, s" not payments! I ue my BANK debit card for free! I don't pay atm fees...customer service fees..activation fee...and I am not giving my money to Suzie Orman..lol...this is a joke!
Jan 23, 2012
Photo of Card H.
Card Hub
Actually having no annual fee credit cards that you do NOT use or for which you pay the balance in full every month allows you to build your FICO score at NO cost. If your no annual fee credit card also has rewards and you are disciplined enough to pay it in full each month and not overspend, then you end up also getting paid for building and maintaining a solid credit score that can come handy for a number of reasons, including paying less on your car insurance. Nevertheless, Suzie Orman's card, like all other prepaid cards, will do NOTHING for your credit score and there is no reason
Jan 24, 2012
Photo of Phil H.
Phil Holland
lol exactly..and if you TRULY want to have more opportunities to build personal wealth...gain financial peace.and learn and understand the principle of "When you learn how money truly works...your money will start working for you instead of you just working for it"..you will stop being like everyone else who is worshiping at the altar of the totally useless "FICO " score. In order to have a large credit or FICO score..u must allow your self to have debt! If every pay check you brought home from now and forever had no payments of any kind coming out...think of how much money you could save up...and buy things with cash..therefore never
Jan 18, 2012
Photo of Merline G.
4
By:
LOVE SUZIE'S ADVISE, SHE IS MY SATURDAY NIGHT DATE. HAVEN'T READ THE FINE LINE OF THE DEBIT CARD YET BUT FROM A QUICK LOOK I BELEIVED THERE'S A CHARGE IF YOU USE THE ATM SO DON'T USE ATM., AND IT IS THE SAME THING IF YOU USE YOUR REG. ATM AT A BANK OTHER FROM THE ONE THAT ISSUE IT. I THINK IT GREAT FOR PEOPLE WHO DOES NOT HAVE CREDIT A CARD, NOW THEY DOn't HAVE TO ASK PEOPLE TO CHARGE STUFF FOR THEM. GET IT AND USE IT WISELY.
Jan 16, 2012
Photo of Terr W.
4
By:
I just saw the Suze Orman on the Wendy Show talking about the new "Approved Card," it seems to be a great idea.
Jan 16, 2012
Photo of Lizzy B.
3
By:
Not for nothing, but I have a checking account, a savings account, money market accounts and Roth IRA's. I have not been cut off from the banking world in anyway and STILL believe that the prepaid card is a fantastic choice. By placing a monthly allowance on myself through the prepaid card, and using my checking and saving FOR savings and paying bills...I have been able to balance everything to a tee with minimal time AND save a large amount of money that I otherwise would have spent using my Debit card. Prepaid cards are not JUST for people with bad credit or no bank accounts....Suse Orman's point of all more
Jan 16, 2012
Photo of Card H.
3
By:
While the American Express prepaid card has much lower fees than most prepaid cards, they do not offer a bill payment service which renders the card useless as an alternative to a checking account. Also they are not affiliated with an ATM network which means that the combination of Amex's ATM fees together with the fee charged by the owner/operator of the ATM can make the Amex card a very costly card for someone that needs frequent ATM access.

Here is more information on the Amex prepaid debit card:
http://www.cardhub.com/d/american-express-prepaid-card-569c/
Jan 16, 2012
Photo of Card H.
3
By:
TheDark Child - Actually neither Suze's prepaid debit card or ANY other prepaid card help you build your credit in any sort of manner! It is actually unfortunate that Suze markets her card in such a misleading way... The only thing that Orman's prepaid card does is that it shares purchase, payment and other transaction information with TransUnion (one of the major credit bureaus) so that they can study the correlation between that information and the information that is currently included in most consumer credit reports. In other words it is a study that will yield NO changes to a consumer's credit report and credit score. Maybe two years more
Jan 13, 2012
Photo of Annette B.
1
By:
From what I am reading this card does not appear to nickle and dimes the consumers to death, except for the ATM fee! which is like a navel string to all the financial institutions. However a card that is called the Peoples Gold Prepaid card with the interest of the consumers and at the same time own by the people would be the best solution to oppressed people who has to rely on these prepaid cards. Can you imagine how this would empower people and help most of us to climb out of poverty. I am so sick and tired of the same set of people enjoying most of the more
Jan 13, 2012
Photo of Card H.
Card Hub
This is a really good idea, so essentially what you propose is a not-for-profit prepaid card that at the end of each month or year distributes any excess revenue back its cardholders based on their usage of the prepaid card?
Jan 12, 2012
Photo of Joe W.
3
By:
"There's nothing wrong with saying, ‘I want to have more, I want to be more, I did this for money,’” Suze Orman, the reknowned financial advisor once said. She’s also said, "People first, then money, then things" and "Many people are in the dark when it comes to money, and I'm going to turn on the lights.” So which mindset does Orman’s Approved Prepaid Card coincide with? Is it the unapologetic seeker of wealth or the public figure who has espoused a desire to help people better handle their finances? Could it be both? Let’s see. The first thing yiu have to look at when evaluating a prepaid card are more
Feb 8, 2012
Photo of Glenn S.
Glenn Scott
I think a caution is required about the green dot cards. I have read online at refundsweepers.com general chat board that they are hard to use and the fees can run really, really high so that you don't get to use anywhere near the amount you load on the cards.
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+645 users submitted a rating without a full review
 
Jun 12, 2014
Photo of Sandy H.
By: Sandy Hensley-Ludgate
The card, company, has the poorest customer service I have dealt with. The website does not show a easy "contact me" link. There are no email or phone numbers. It is very frustrating.
Jan 24, 2013
Photo of Mary W.
By: Mary Alabamafanalltheway Williams
ITS FRUSTRATING AND ITS VERY HARD TO GET THE PEOPLE TO HELP U WITH ANY QUESTIONS, AND THEY ARE NOT DOING WHAT THEY SAY THEY DO?
Nov 27, 2012
Photo of Monique P.
By: Monique Polk
what the name of that card I need it cause i rent cars and yes they do charge me a lot of $.
Jun 23, 2014
Photo of Card H.
Card Hub
If you want to rent a car any prepaid card will do. However, rental agencies withhold more money than the actual cost of renting because they want to make sure that any unforeseen expenses (gas, car damage etc.) will be covered. You will not be able to use those funds until the final transaction is posted to your statement. So, it’s better if you call the agency and ask them about their specific policy. Also, for more information you can go here >> http://www.cardhub.com/edu/credit-cards-and-car-rentals/
Sep 29, 2012
Photo of Shirazeh T.
By: Shirazeh Tabibi
for $36 a year, I hope I can use this as a paypal-type account... so I wont have to bother w/ them anymore!
Sep 29, 2012
Photo of Card H.
Card Hub
You may also want to check the KAIKU card, which has an even lower monthly fee.
http://www.cardhub.com/d/kaiku-prepaid-card-717c/
Sep 11, 2012
Photo of Anna S.
By: Anna Santiago
New flash! My bank charges me 36.00 each time a gym fee runs through my account and the funds are not in at the same time. And even when I look and see the account balance as good, somehow I get hit with a over draft fee. (36.00) so why not pay the 3.00 to open and any other fees. I'm still spending less. I want my account to have money in it that's all. I don't want to do online bill pay or anything related to that with my bank.
Aug 22, 2012
Photo of Card H.
By: Card Hub
It is not true that rental cars will not take debit cards. Major car rental companies accept debit cards and prepaid cards but usually put a hold of the max of $250 OR (the cost of the rental + 15%). If you do not want to deal with such a high hold on your money then I would recommend you get a secured credit card:
http://www.cardhub.com/credit-cards/secured/
Jul 18, 2012
Photo of Patricia T.
By: Patricia Talamantes
TheDark Child how does this card build your fico score?
Jul 13, 2012
Photo of Diane T.
By: Diane Thompson
ALLLLLLL I WANT TO DO IS PUT MORE MONEY ON THIS CARDDDDD.
HOW DO I DO THAT ON THIS SITE I DOn't SEE ANYTHING SAYING TO ADD MONEY? HELPPPPPPPPP HA HA.
Jul 15, 2012
Photo of Card H.
Card Hub
In order to manage your account online you need to go to:
https://www2.theapprovedcard.com/#login
May 12, 2012
Photo of Marsha B.
By: Marsha Solomon Blum
I recently received my card, and am having alot of trouble loading $ on it. I was trying to use $ from my savings account, but it will not allow me to do this. Don't know what to do.
May 12, 2012
Photo of Card H.
Card Hub
I would say call customer service at 1-888-259-0113 but be careful because unfortunately the Approved Prepaid Card will charge you $2 per call after the first monthly call that is free.
Apr 16, 2012
Photo of Stacy B.
By: Stacy Bartlett
Exactly how does it help build your FICO score?
Apr 16, 2012
Photo of Card H.
Card Hub
It does NOT help you build your credit in any way! All the talk about credit and ANY prepaid card (including Suze's) is just a marketing gimmick.
Feb 11, 2012
Photo of Janet A.
By: Janet Alhanti
I am interested in your service. At last......
Feb 11, 2012
Photo of Colleen C.
By: Colleen Crisp
I like the RUSH card myself..
Feb 2, 2012
Photo of June G.
By: June Augusta Gillam
How is this different from a bank debit card?
Feb 2, 2012
Photo of Card H.
Card Hub
The main difference between all prepaid cards (including the Suze Orman Prepaid Card) and bank debit cards, is that bank debit cards are linked to a checking account and therefore you get an actual checkbook whereas prepaid cards are not and thus you can not write checks.
Jan 24, 2012
Photo of Holly P.
By: Holly Parker
Daasair you sound ignorant...after all you think your "God"
Jan 24, 2012
Photo of Nicole S.
By: Nicole Selah
Reading is fundamental.....Please be advised that APPROVED LLC, our program manager RedWage LLC, and The Bancorp Bank, the issuer of The Approved Card, are not credit repair organizations or similarly regulated organizations under other applicable laws, and do not provide credit repair advice. The Approved Card is not designed to improve your credit record, history, or rating. Use of The Approved Card will not and cannot improve or fix your credit score or rating.
Jan 23, 2012
Photo of Debra W.
By: Debra Watson
The Approved Card from Suze Orman has a monthly fee of $3.00..........WHY......it is suppose to improve your credit score.... with "Trans Union".
Jan 23, 2012
Photo of Card H.
Card Hub
Suze has really managed to confuse all of us. Hasn't she? The Approved Prepaid Card will NOT IMPROVE anyone's credit score. Maybe in a few years that will change but as of now that is a fact. It has a $3 monthly fee because that's the way Suze makes money out of her prepaid debit card.

Secured credit cards are the only option for people that want to build their credit scores.
Feb 24, 2012
Photo of Brett R.
Brett Rothenberg
Card Hub Wells Fargo, BOA, and Capital One all have good cards, I've done all three and gotten graduated or upgraded on all three accounts. I'd avoid orchard and the others.
Feb 24, 2012
Photo of Card H.
Card Hub
Brett Rothenberg - Just curious, why would you avoid the Orchard Bank Secured Card if it has the lowest annual fee and APR?
Jan 23, 2012
Photo of Alicia L.
By: Alicia Lerrigo
It takes time to fix a broken system, and I applaud what Suze is working on here with this card. It's a decent card from what I can see on it's own, but if enough people actually use it, chances are down the road her goal of creating ways for people who do not want to be slaves to credit card companies, wall street, etc. and yet still have good credit, could actually happen. That takes VISION, and I hope people will consider that this is not a quick fix, but a great initiative that could actually help get this country back on track - in the bigger picture. Suze's more
Jan 18, 2012
Photo of Card H.
By: Card Hub
@ James Stein - Sorry for the confusion. While you can obviously use the Amex prepaid card to make payments to all merchants that accept Amex cards, the card does not offer a bill payment service similar to one found on most checking accounts and even prepaid cards (including The Approved Card). For example, most prepaid cards will allow you to pay your utility bill even if your utility company does not accept card payments, but Amex does not have this feature yet.
Jan 17, 2012
Photo of Tommy D.
By: Tommy Davis
Girl, I wish I had a credit card with my name all slung up across the top, yo!
Jan 17, 2012
Photo of Nina B.
By: Nina Sunshine B
this is the only card that I know of that is prepaid and will report to you fica score so that is a win win situation I think it is a go for those of us who are not trust fund babies, on cards from others and or started out from school without the loans hanging over our heads thanks suze...
Jan 17, 2012
Photo of Card H.
Card Hub
Unfortunately, the marketing promotion around the Approved Card has all of us confused. However, the truth is that this prepaid card will do NOTHING for your FICO score. If you need to improve your credit your only option is a secured credit card:
http://www.cardhub.com/credit-cards/secured/
Jan 17, 2012
Photo of Bonnie P.
Bonnie Phillips
Good Morning Nina, Please read Card Hub's response above to The Dark Child. No prepaid cards improve credit scores. Expanded explanation is above.
Jan 16, 2012
Photo of Daasair K.
By: Daasair Kisseen
You sound ignorant speak for yourself and not for the "un-banked"
Jan 16, 2012
Photo of Brenda R.
By: Brenda T Rivers
The difference with Suzies card is that it actually helps build your FICO score. What other pre-paid cards do that???
Jan 12, 2012
Photo of Lexie T.
By: Lexie Tyler
How do I know which is the Best Card having to live on a fixed income?
Jan 12, 2012
Photo of Card H.
Card Hub
When you are on a fixed income it is absolutely essential that you do not spend more than your monthly income and that you also get the best possible rewards in order to reduce the cost of your daily spending. As a result, if you trust yourself with a credit card you should apply for one of the best cash back cards: http://www.cardhub.com/best-cash-back-credit-card/ The Suze Orman Card is NOT a credit card and does not offer any rewards. Instead it should be used as a checking account alternative. Of course, if you already have a checking account that costs you less than $3-$5 per month then your checking account is
Jan 26, 2012
Photo of Larry K.
Larry Kane
Go to www.icarecard.org and order a card. A one time cost of $4.95. No fees of any type unless you use an ATM, then $.85/transaction. Direct deposit at no cost. And, WE PAY YOU $.05 cash back on transactions, $.03/gallon back on gas, $.02/trans to your favorite charity, etc, and NO MONTHLY FEES. Larry Kane, Cedar Rapids, Iowa.
Jan 26, 2012
Photo of Card H.
Card Hub
Larry Kane - So you make 4 purchases in a month and your prepaid debit card costs more than $3 per month which is the cost of Suze Orman's debit card. Right?
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Last updated on: Jul 17th, 2014 at 9:25 EDT