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UPside Prepaid Debit Card

UPside Prepaid Debit Card
Prepaid Card
1.5 177 reviews   Write a Review!
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UPside Prepaid Debit Card's Key Fees

  • ACTIVATION FEE None
  • MONTHLY FEE $4.95*
  • SIGNATURE TRANSACTION FEE Free
  • PIN TRANSACTION FEE Free
  • ATM TRANSACTION FEE $1.95

UPside Prepaid Debit Card's Highlights

  • This is not a credit card but a prepaid reloadable debit card.
  • No credit check needed. No activation fee.
  • Free Direct Deposit from your employer or benefit provider.
  • Load cash at 50,000 retailers nationwide.
  • Write personal checks online at a cost of $2 per check.
  • Customer service and monthly fees are waived upon achieving Premium Status by earning 15,000 UPgrade points. You earn UPgrade points by adding money to your card with Direct Deposit (2000 points for every load over $200 plus 1 point per $1), MoneyPak and Credit/Debit cards (1 point per $1).
  • *Monthly fee: $4.95; $0.99 if you load $500 or more

UPside Prepaid Debit Card's Additional Info

  • LIVE CUSTOMER SUPPORT $2
  • AUTOMATED CUSTOMER SUPPORT $0.99
  • RELOAD OPTIONS Direct Deposit, GreenDot
  • CANCELLATION FEE $12
  • INACTIVITY FEE None
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UPside Prepaid Debit Card Reviews

 
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1.7
Overall Rating: 1.7 / 5
Total Ratings: 177
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Jul 9, 2014
Photo of Victor D.
1
By:
This card really has its down sides, there are a large amount of fees and charges attached to this card. There is a $4.95 monthly fee and on top of that for every single atm use there is a two dollar charge. While yes the point system is nice if you ever have questions about it or just want to check the status of your card you are going to be charged a dollar if you speak to an automated system or two dollars if you speak to a person. I feel that this is a bit excessive for fees on just a prepaid debit type card.
Jun 20, 2014
Photo of Crystal C.
3
By:
I'm not crazy about the 4.95 monthly fee. Or the fee they charge when calling for assistance. Also, a 2 dollar fee to write a check is crazy! Oh and I just saw the 1.95 fee to use an ATM, it is def beneficial to just get a bank account
Jun 2, 2014
Photo of Taylor L.
1
By:
Not a fan of any prepaid card to be fair in this review. It's a replacement for a checking account, although checking accounts have quite a bit more to offer than a silly prepaid card. It seems like this would be a card to use to just escape bank fees, but there are multiple ways to not get fees at your bank. This card also charges you $4.95 a month! There are plenty of prepaid cards that do not charge anything. Although, the atm fees are quite small compared to other prepaid cards.
May 6, 2014
Photo of Larry D.
5
By:
The UPside Prepaid Debit Card has been a great solution after I got tired of dealing with the big banks who are always trying to get another fee over on me. I don't have any investments or any other reason to deal with a bank other than to deposit money and use the service of a debit card. This allows me that service just like any bank with a very low monthly cost. I have my paycheck direct deposited which ends up waiving my monthly fee. There is no charge to use it for pin based transactions and there are a ton of places I can go to load money more
Apr 30, 2014
Photo of Judy-Gene D.
3
By:
I like that this offer helps me spend money without having to carry around cash. I am glad there is a solution to not put me in debt and not have me carry around my wallet bulging out of my pocket with cash. This is why i like the Upside Prepaid Debit Card
Apr 4, 2014
Photo of Pi R.
2
By:
Like most prepaid cards, the UPside Prepaid Debit Card is a bit expensive to use. If your credit is totally shot, it can be a start. But, a better option is to open a checking account with a free debit card linked to it. Call around and you can find a bank with free checking and debit cards in most towns. For the unfortunate souls who have wrecked their checking accounts, this can be a viable option to get back on track.
Apr 1, 2014
Photo of Alex B.
1
By:
The UPside Prepaid Debit Card provides little upside. The monthly and ATM fees are high. Those fees are however, minimal compared to the outrageous fees for customer support. Charging a customer for simply calling a company is unacceptable. It's like UP doesn't want to help its customers. The only benefit of the UPside Prepaid Debit Card is that there is no inactivity fee (which should be expected). It is best to pass on this card and look elsewhere. I have a U.S. Bank prepaid card that does not include many of the fees associated with the UPside Prepaid Debit Card.
Mar 12, 2014
Photo of Dawniel T.
1
By:
The UPside Prepaid Debit card doesn't seem too good to me. I have had prepaid cards before and they haven't charged this many fees before. A prepaid shouldn't charge for customer support at all. I have never had a card that has charged for customer support. The cash reload options at retailers nationwide seems like an inconvenience. I have reloaded other cards I have had over the phone or with direct deposit, but this seems like a scam to get money. The points program seems like it is to offset all the fees if you obtained that level, but there are better cards out there for prepaid that offer little more
Feb 13, 2014
Photo of Erin K.
1
By:
This card just seems to have a lot of fees. I have both a debit and a credit card with Wells Fargo, and it seems to me that my debit card has the same capabilities as this UPside Prepaid Debit card has. The only difference is that I don't have all those fees hidden around every transaction. Between the monthly fee and the ATM transaction fee, it already seems a little pointless. And then to have a cancelation fee of $12 and a customer support fee of $2? They are trying to milk you for everything. Any company that has to deter a customer from canceling by putting a fee more
Jan 29, 2014
Photo of Jon F.
2
By:
The Upside Card has some rather exorbitant fees. $2 to talk to a customer service agent? To me that says "Don't call us, we have more important things to do." I have a GoBank card. They allow you to choose the amount you pay for a monthly fee and selecting $0 per month is an option with no negative consequences. They also do not charge for customer service calls. GoBank does charge a fee for out-of-network ATM transactions, but there are loads of ATMs that are in network and an application for the Apple and Android phones to help you easily find those ATMs. I used to have an Upside more
Dec 27, 2013
Photo of Tyler S.
1
By:
Yikes, those fees are outrageous. I love how they charge you to get support, that's just robbery in my opinion. I have one prepaid card, and it's an American Express BlueBird, which charges almost NO fees, except for a minor ATM fee. There's no cancellation fee, support fee, load fee (unless you do moneypacks, but who does that?), etc. Way better option than this "Upside" card. I, for one, don't see the "Upside" here.
Dec 11, 2013
Photo of Frank O.
1
By:
The only reason I would ever get a prepaid card is if my credit was so bad that I had to. I am not a fan of prepaid cards, and this one is no different. The amount of fees outweigh any benefits in my eyes.
Dec 8, 2013
Photo of Chelsea M.
4
By:
The UPside Prepaid Debit Card is a great card for someone to have. It's an alternative to a credit card and can really be used to build up your credit for you to qualify for a credit card in the future. It might have fees that you need to pay but what card do you of know that doesn't? In comparison to the ReadyDebit Prepaid Visa Card, the UPside Prepaid Debit Card does charge $0.99 for automated support but their services never disappoint. I would recommend this card to anyone looking to build their credit.
Nov 25, 2013
Photo of Connie C.
3
By:
The Upside prepaid debit card is a suitable option for people who cannot get a credit card of any other type or who may not be interested in other credit cards. It functions just like a debit card you would get from your bank, although it has fees which banks typically don’t charge. At 4.95/month, it’s comparable to other prepaid debit cards like the Paypal Mastercard which has the same fee. You can use this card without being charged any fees, but you will be charged a fee if you use it at an ATM. If you cannot get a bank account and cannot get a credit card, then this more
Nov 21, 2013
Photo of Krystal M.
1
By:
I'm just not real impressed with the UPside Prepaid Debit Card. It's just your basic prepaid credit card. Their fee of $0.99 to $4.95 a month, seems rather high to me, but still average compared to other prepaid cards. They charge you $.99 for automated customer support and $2 to talk to someone in person. I understand they need to make money, but that's a terrible way to go about it. I don't think it encourages anyone to sign up for their card. They also charge you a $12 cancellation fee. I think if you're in the market for a prepaid credit card you can easily find one much better more
Nov 16, 2013
Photo of Braden B.
1
By:
The UPside prepaid debit card is just that: a prepaid debit card. I personally do not like these cards. I have a lot of experience with prepaid debit cards, being that a lot of employers are using them nowadays. This card is exactly like those. If you don't want to have a bank account, then I guess this is a good option? Even then, I would rather just go get a regular debit card from a credit union. At the end of the day, there is nothing special about this card. It is not a credit card and it does not report to any agencies to even help you build more
Nov 8, 2013
Photo of Jester C.
1
By:
Using the Upside Prepaid Debit Card provided through the VISA card network is a way for those with a poor credit history, or a lack of any appreciable credit background to begin to build or rebuild the rating. The Upside card has some benefit for individuals who will add at least $500 per month, as once that minimum is met there is only a $0.99 per monthly fee. Without a $500 monthly load amount, there is a $4.95 per month fee. ATM charges are a standard $1.95, low in comparison to other cards such as the Bluebird Card by American Express, which attaches a $2.00 fee unless a direct deposit more
Nov 5, 2013
Photo of Richard T.
1
By:
With monthly fees regardless of how much you have loaded on the card (with the fees going UP quite a bit if you have less than 500 loaded), fees for both live and automated customer support, fees for using an ATM, and even fees for cancellation, I can't understand why anyone would choose to use the ironically named UPside Prepaid Debit Card. You will be nickel and dimed to death regardless of how you use the card, and would be better off using the debit card from virtually any bank or credit union. If you must have a prepaid debit card, take a look at Chase Liquid.
Oct 29, 2013
Photo of Linda G.
4
By:
I like that the Upside Prepaid debit card is prepaid, which helps you spend only what you have, and never get into credit cards Debt. One of the things that I like the most, is that it is a visa, which is accepted everywhere. Another thing that I like is that there is no credit check, no activation fee which a lot of cards have, and there is no transaction fee when you shop. Usually prepaid card have all of these fees. What I don’t like about the card is the monthly fee. If you load less than $500 a month, you have to pay $4.95. But if you do more
Oct 24, 2013
Photo of Stephen M.
1
By:
The UPside Prepaid Debit Card, to me, has zero upside, and is a waste for anyone. There's no activation fee, but you're stuck paying a monthly fee no matter what each month. If you load $500 or more, you pay just $.99, but if you don't, you're stuck paying $4.95 a month. You also have to pay to cancel the card! Prepaid cards like this aren't pretty - for example the READYdebit Visa Prepaid Card has a $9.95 fee, no matter how much you put on the card, but it has free cancellation. You do get free direct deposit onto the card, and while you can write personal checks from more
Oct 21, 2013
Photo of Zeb D.
3
By:
This card seems to have a pretty high priced fee structure. There are other options out there that don't seem to have the same high priced user fees. The customer service fee is probably the worst I've seen. You shouldn't have to pay for support for a product that you have paid for, or in this case paying for. Obviously a free checking account would be the best alternative choice, but if you are unable to obtain one this may be a viable option. Using it to pay for bills and on-line purchases in a secure manner could be worth the fees to some. I've used a prepaid card through more
Oct 12, 2013
Photo of Jeremy A.
1
By:
There are better prepaid options out there, ones that have some security backed by big names. This card has absolutely no perks (not that I'd expect many) or even much information, just fees and more fees. If you need or want a prepaid card, I suggest taking a look at Chase Liquid, or one of American Express's new prepaid offerings, either the regular or the Bluebird. Stay away from the vast majority of prepaid cards, because the majority of them are not worth it for the little you get in return.
Oct 3, 2013
Photo of Pascal J.
1
By:
The UPside Prepaid debit card looks very poor to me. To begin with, paying a monthly fee that could be as high as 4.95 is ridiculous. I know my local Kmart has both prepaid Visa and Master cards that only have an initial activation fee. It looks like you are just throwing money away with the UPside. Also, the 2 dollar fee for live customer support and .99 for automated is just stupid to me. UPside seems to be out to fleece their customers as much as they possibly can. There are so many better options that I really don't know why anyone would consider this card. Just go to more
Sep 27, 2013
Photo of Beth B.
2
By:
I have this card and it's a good alternative for someone who cannot get a credit card or bank account. Their fees are a bit high but as long as you keep or deposit a certain amount of money into the account, you wont be charged the fee. It's easy to load money onto the card and it's easy to use the card. Their customer support is horrible though. I had someone steal my card and all the money out of it and I called customer support to cancel my current card, which they did, and get a new one. Then they told me I had to fax them some more
Sep 18, 2013
Photo of Sheryl P.
1
By:
The UPside Prepaid Debit Card is not the best option if you are looking for a prepaid card. There are tons of fees that other cards like American Express Server or Walmarts Bleubird card don't have as long as you have a direct deposit set up. The Upside Prepaid Debit card has fees such as $2 for live customer support, $1 for automated support, $2 for ATM use, and $1 to $5 per month depending on how much you load to it each month. Definitely avoid this card and go with any of the others I mentioned above if you have direct deposit, they have far less fees.
Sep 12, 2013
Photo of Anthony A.
4
By:
Beware that this is not a regular credit card. It is a prepaid card. But, this card is a good deal. Especially for those who want to build up their credit and can't qualify for a normal credit card. I am only giving the UPside Prepaid Debit Card 4 out of 5 stars due to the $2 fees for live customer support and $0.99 for automated support. I feel this is a little steep considering the READYdebit Platinum Visa Prepaid Card gives this service for free. However, the UPside Prepaid Debit Card charges a very reasonable monthly charge at only $4.95 with the added bonus of dropping to only $0.99 if you load $500 or more.
Aug 30, 2013
Photo of Binjy S.
1
By:
In general I love prepaid debit cards because they promote financial responsibility, but there are far better cards out there than the Upside prepaid debit. First off, a monthly fee that can be as high as 4.95 is utterly ridiculous. Moreover, paying 2 dollars for live customer service and .99 for automated is insane. That is about as predatory as you can get. You would be far better off just going your local retailer and getting a Visa or Master prepaid debit. You can load up money and pay a fee for activation. Most of those cards don't have a month to month cost, though to reload money you sometimes more
Aug 22, 2013
Photo of Chris M.
2
By:
This isn't a credit card, for anyone wondering, it's a prepaid debit card. The UPside Prepaid Debit Card is ok, it certainly is not great. The fee's are kind of ridiculous for a prepaid card though. Really? A monthly fee which can go as high as $5.00 a month? Yeah, no thanks. There are simply to many good debit cards out there that you won't have to deal with these kind of fees. When are these companies going to learn you can't nickle and dime customers anymore. If you are absolutely desperate for a prepaid card, then get this, but if you can, hold out for something much better.
Dec 14, 2012
Photo of Lori M.
4
By:
I like my UPside Prepaid Debit Card, but I don't love it. The monthly fee is low enough to not be a big deal and if you don't have a debit card from a bank, this is a pretty good way to make online purchases and you can only spend what you have so overdraft fees are a thing of the past. My biggest problem with the UPside Prepaid Debit Card is that you have to pay for customer service. Serving the customer and helping them out is the whole point of having customer service for your product. Luckily I haven't had any issues that required customer service to assit more
Nov 22, 2012
Photo of Paris R.
4
By:
I don't agree with upside having only 1and a half stars. I am a current upside card holder and I love my card.. I like that im charged a dollar a month for the card honestly who notices a dollar being taken from there balance the rewards points is great I was in a bind needed a few buck to last me till Friday and cashed in my points , got cash on . the spot directly on my card . The only downer is other cards like mango and rushcard don't put a hold on your paycheck so instead of getting paid Friday they get paid Wednesday sometimes as more
Jun 21, 2012
Photo of Tyleen S.
4
By:
I was going to apply and use a Greendot card for my purchases online, but then I came across this and changed my mind. After filling out the membership page, you have to wait to receive the card before you can use it. There is a way to buy stuff without the card, but that is so much hassle. Unlike the Rush Card and the Green Dot card, you can earn money just by using the card every month. That way, you can waive whatever fees (or pay for them) and actually earn money for using this card. There is a monthly fee of 4.95, but it can get reduced more
Jun 21, 2012
Photo of Kimberly P.
4
By:
The one thing I absolutely love about the Upside prepaid debit card is the low fee schedule. There are not any activation fees and the monthly fee can be waived if you have enough Upside points. You can earn the Upside points by loading your card. Once you have enough points, you do not have a monthly fee for a year. The other thing I love about this card is that it is extremely easy to use and accepted everywhere. There are not any fees for using the card unless you use the card at an ATM. Loading the card is as easy as signing up for direct deposit or more
May 15, 2012
Photo of Joe W.
3
By:
So, here’s the million dollar question: Is there any upside to opening the UPside Prepaid Debit Card? It all depends on the fees, baby. Prepaid Cards are generally used as fill-ins for normal checking accounts, and no one likes to waste their hard earned money on fees for the accounts they store it in (actually one of the main reasons people gravitate toward cards like the UPside Prepaid Card). Well, the Upside Prepaid Card doesn’t charge for activation, which is a more than a lot of prepaid cards can say. The monthly fee is tricky; you either pay $0.99 if you load $500 or more or $4.95 otherwise. I’m not more
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+144 users submitted a rating without a full review
 
Oct 24, 2012
Photo of Paula P.
By: Paula Tuttle Pagonis
What's the fee after you've had the card a year
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Last updated on: Jul 11th, 2014 at 8:40 EDT