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UPside Prepaid Debit Card

upside card
Prepaid Card
215 reviews   Write a Review
Info about the UPside Prepaid Debit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

UPside Prepaid Debit Card’s Key Fees

  • MONTHLY FEE $4.95

UPside Prepaid Debit Card’s Highlights

  • Earn 500 points when activating your card online.
  • Earn 3 points per dollar spent on prepaid cell phone service purchases.
  • Cardholders will receive 1,000 cash back points the first time they receive a direct deposit load onto their card for an amount of $200 or above.
  • 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's Additional Info

  • RELOAD OPTIONS Direct Deposit, GreenDot, Cash Reload, Check Reload
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Customer Questions and Answers

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I thought the UPside Clear Plan had no monthly fee? Why are people saying it costs 5 dollars a month?

Photo of Card H.
Dec 30, 2015
Indeed, UPside Clear does not have a monthly fee. You can check all the fees associated with it and other UPSide products here: . The reviews are simply referencing a previous version of the card that did charge a fee. Account terms change from time to time, but you can help other users find the best information by voting down the reviews that are no longer accurate. Good question! Thanks for asking.
13 Votes 14 1

What's the daily transaction limit?

Photo of Card H.
Feb 25, 2016
This card does not have a daily transaction limit. The only limits that apply are the daily withdrawal limit of $500 in 24 h ($400 per transaction) and the load limit of $10,000 - up to $20,000 balance per 30 days. Hope this helps.
7 Votes 8 1

What's the fee after you've had the card a year?

Photo of Card H.
Feb 25, 2016
UPside have three different plans they offer for their prepaid cards:
UPside Clear - No Membership Fee
UPside Access - $2.99 monthly
UPside Edge - 29.95$ per year (the amount can be refunded based on card activity
You can consult the complete list of fees for UPside products at: . Hope this helps. Best of luck!
6 Votes 8 2

Customer Reviews

Share your insights and review the UPside Prepaid Debit Card.

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1.9 out of 5

215 reviews
Photo of Ver L.
Jul 25, 2016
This is the worst prepaid debit card company ever keep your money in your pocket it's better off there
Photo of Timothy C.
Apr 14, 2016
I got this card because I thought it would be very convenient. I would get rid of the fees. I think there are too many. I would recommend it to others, as long as they read about the card and know exactly what the card offers. It is useful if you take the time to learn how it works.
Photo of Megan V.
Nov 14, 2015
This card features a nearly $5 monthly fee and a 2 dollar ATM withdrawal fee. I suspect that the additional 2 dollars is on top of the fee the ATM itself charges. So for getting cash on the go, this card is not very good. There's a $1 charge if you load more than 500 dollars at a time, which is totaly unreasonable. The 12 dollar cancelation fee is also bogus. Even though the UPside card offers points for money you spend, it is required that you shop from the UPside mall through their valid retailers. This card has too many downsides to be a reasonable choice.
Photo of Carles G.
Oct 22, 2015
A great prepaid card that brings me the features of a checking account without the overdraft fees. Their mobile app is fantastic and if you receive direct deposit onto the card, you get bumped to the premium tier and pay no monthly fees! Highly recommended.
Photo of Tomika W.
Sep 8, 2015
One of the things I do not like about this card is the monthly fee. I have a debit card with ADP Aline Banking and they do not charge anything monthly to me. Something I do like about the prepaid card is the redeem points system it looks easy to earn points if you get 500 points just for activating the card
Photo of April G.
May 6, 2015
The UPside Prepaid Debit Card looks to be like a really great card. The best thing about this card to me is that you earn 15% cash back on your purchases. The second best thing I love is that you have the option to have actual checks drawn on your account (for a fee but hey its an awesome benefit). There are fees associated with the card but most cards are like that. I had a WalMart Money Card and I paid 3.95 a month unless there was $1000 or more deposited in a given month. UPside charges $1 more but if you load more than $500 its only 0.99 more
Photo of Kieran H.
Apr 22, 2015
The UPside Prepaid Debit Card is a great product if you have bad credit – and want a card that offers an amazing point system. The downside however is the fees. If you have any sort of credit, getting even a real credit card, or a debit credit card from your checking account is the way to go. The fees can be offset by making sure that you carefully take advantage of the points system, but otherwise you are much better off going a different route.
Photo of Jason H.
Apr 2, 2015
In comparison with other prepaid cards, the UPside prepaid debit card simply falls flat. I've used both Amex Serve Prepaid and unlike this card, with Amex I am NOT charged a 4.95 monthly fee. Instead I'm charged a $1 monthly fee ONLY IF I don't make a direct deposit (of any amount. 0.50, $200, any amount) to it that month. Also, I can withdraw completely fee free from a lot of ATMs with serve.

Don't waste your time with this card. There are a LOT of better options. Trust me on this one.
Photo of Joseph O.
Mar 19, 2015
This card looks excellent. A great points reward system, with easy ways to get points and a high payout. Also, free direct deposit is pretty rare with cards. The one I have charges a small fee every month for direct deposit, so this is a nice change. Also the monthly fee is nice, considering the benefits . Compared to Green Dot this card is truly something exceptional.
Photo of Carl H.
Mar 4, 2015
The UPside Prepaid Debit Card might be an OK tool to teach a young person the responsibility of using a credit/debit card, but even in that scenario I would not recommend it. The $4.95 monthly fee is ridiculous, you can set up a controlled debit card through your bank with no monthly fee. The rewards are nice, but once you establish even decent credit you can get rewards with your credit card and pay no annual fee, let alone a monthly fee. And on top of a monthly fee, you have to pay to use customer support? That is highway robbery. There are better, free, options out there for debit more
Photo of Berrii S.
Feb 19, 2015
I honestly thought i liked this card at one point , but this card doesnt allow you to take most of your money off , they dont do wired transfers , they have a fee for every single atm and its different fee prices ...I will not recommend this card to anyone . They basically tell you how to spend your money and how much they allow per 24hr which is way less than what i need
Photo of Katrina C.
Feb 16, 2015
I honestly do not like the fact that i have to pay for customer service ($2), I also have to pay about $5 monthly? That is ridiculous. Also if i only have automated customer support they charge me a dollar. I like how easily you can get points but the prices are ridiculously expensive for me. I can easily find a credit card that is $0 for almost everything. They also charge me 1.95 to take the money out of the ATM machine!!! I like how when you earn points you also earn money. If you earn 2,000 points then you get 20 dollars. I did a one star on more
Photo of Dawn W.
Jan 12, 2015
I have used many pre-paid credit cards in the past and with doing some research on the UPside Prepaid Debit Card, I am really impressed with its many options and features. I like the fact that it has no activation fee, a low monthly fee, which i have found the majority of prepaid cards do have. I like the fact that there are no purchase transaction fees, usually you get charged for using your card one way or another. The one thing that i really do not like about this card is the ATM transaction fee, the fact that the ATM"s already charge an outlandish fee, and then the card more
Photo of EMarie B.
Jan 9, 2015
I actually like The Upside Prepaid Debit card and I didnt think I would. Other cards would charge fees on top of the already expensive ATM fees, charge for . I use this card for ONLINE shopping only...I had an issue where funds were taken out at an ATM in another STATE. I dont know how that happened or why it happened. I had my card present with me, however I sent in the required paperwork and ALL of my funding was returned back to me in 14 days. Sure its a longer wait than a regular bank, but most prepaid debit cards wont even work with you on that. more
Photo of Cornelius V.
Dec 19, 2014
The Upside Prepaid Debit Card is a nice addition to someone who wants a debit card that is just getting into learning financial responsibility. Plus, there is no way that you can over draft with a prepaid debit card. The monthly fees are not that bad but the ATM transaction fee is not that attractive in my perception. The Upside Prepaid Debit Card is the way to go!
Photo of Carri G.
Nov 28, 2014
The UPside Prepaid Debit Card is a great way to start a young person using a "swipey" (as my daughter used to call it). She had no idea that every time I swiped my credit card that I actually had to pay for the swipe. The UPside Prepaid Debit Card allows for those just beginning to establish financial responsibility to choose to spend and not get in trouble for late fees, over limit fees and etc.

The live support, automated customer support and no inactivity fee are a huge plus for the UPside Prepaid Debit Card. For those just learning to correctly spend money, they can monitor their spending, call more
Photo of Ryan H.
Nov 18, 2014
I like the fact that you're not spending someone else money with this re loadable debit-credit card. This makes sure you know what your spending because you need to have the money to spend it. I also like that you can add cash at 50,000 different retailers nationwide, making it easy to put money on the card. i don't like that there is a monthly fee of $4.95. That's a little high considering most credit cards have little to no monthly or yearly fee to them. You also get charged $.99 for loading $500 or more onto the card? That just seems counterproductive for the both the credit card company and the card holder.
Photo of Joseph S.
Oct 27, 2014
This card has some serious Upside, but also some downside as well. Let's look at the things I like most about the card first. There is no activation fee, which is awesome. There is no credit check, and they offer direct deposit. That is about all the upside this card has to offer. The negatives outweigh the up in my opinion with a 4.95 a month fee, a $2 check writing fee, and $1.95 to get money out of the ATM. This is not a bank card, and it can hardly be called a debit card. Comparing this to my Citibank debit card, which has no monthly maintenance fee, no more
Photo of Joyce K.
Oct 16, 2014
I loved this card until about the last 6 months when they apparently changed hands. I was good with my card being locked up for POTENTIAL fraud...taking precautions..AND I WAS THE ACTUAL ONE USING IT...then when I got scammed for about $1,000, it was a NIGHMARE getting the funds back on my account...My card literally got locked for mere returns...(hello...useage out of area)...duhhhhh...Most of their customer service appears to be outsourced and/or clueless..I felt like I had to climb Mt. Everest to get it straitened out.
Photo of Stacy B.
Oct 13, 2014
The UPside card has both pros and cons. Compared to other prepaid debit cards the monthly fee is not too bad. However, the ATM fee is high and the $12 cancellation fee is absurd. The monthly fee does get waived down to only $1 per month if you have a direct deposit of $500 or more. However, other cars will waive that fee altogether is a certain amount of money deposited per month. The pros of course, is no credit check and immediate access to an online banking account.
Photo of Rebeca R.
Sep 25, 2014
What I like about the UPside Prepaid Debit Card is that it is a good option for those who have bad credit and do not have a lot of money to have a certain balance with bank accounts in order to avoid service charges a month. They do not charge an inactivity fee, which is good because some banks require that a certain amount of transactions a month in order to avoid fees. The things I do not like is that they charge $2 for calling live customer support, $0.99 for automated customer support, and $2 per check; I believe these services should be free if you are a customer. more
Photo of Tien L.
Aug 25, 2014
The UPside Prepaid Debit Card is too expensive to have as a prepaid card. First of all, there is a $4.95 monthly fee assessed (the fee is reduced if you load more than $500). There is a cancellation fee of $12, customer support fee is $2, automated customer support is $0.99, ATM fee of $1.95, and check fee is $2. All of these fees are horrible. I use the Blue Cash card and there is no fees associated with the card. Of course, if I try to get cash from the ATM, there is a fee assessed, but that defeats the purpose of a credit card. A credit card is more
Photo of Love P.
Aug 7, 2014
The UPside Prepaid Debit Card is not one that I can see myself using. There are so many fee's that it would make me go broke. I am blown away that a company would charge you $2 for customer support. Customer support should be provided by a company for free. I believe that it is one of the jobs of the company to provide the support to the product they offer. For example, say my UPside Prepaid Debit Card is not swiping (meaning I can not use it since the credit card machines can not read it) I now need to call in to get assistance. Now the card not more
Photo of Victor D.
Jul 9, 2014
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.
Photo of Crystal C.
Jun 20, 2014
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
Photo of Taylor L.
Jun 2, 2014
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.
Photo of Larry D.
May 6, 2014
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
Photo of Judy-Gene D.
Apr 30, 2014
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
Photo of Pi R.
Apr 4, 2014
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.
Photo of Alex B.
Apr 1, 2014
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.
Photo of Dawniel T.
Mar 12, 2014
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
Photo of Erin K.
Feb 13, 2014
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
Photo of Jon F.
Jan 29, 2014
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
Photo of Tyler S.
Dec 27, 2013
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.
Photo of Frank O.
Dec 11, 2013
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.
Photo of Chelsea M.
Dec 8, 2013
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.
Photo of Connie C.
Nov 25, 2013
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
Photo of Krystal M.
Nov 21, 2013
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
Photo of Braden B.
Nov 16, 2013
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
Photo of Jester C.
Nov 8, 2013
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
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Last updated on: Sep 16th, 2016 at 7:10 EDT

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