- Get $50 bonus on your first direct deposit of $200
- Monthly Fee and Pay-as-you-go plans
- Get Paid 1-3 Days Earlier
- Optional Overdraft Protection – because mistakes can happen
- Always Know on the Go – Text Alerts update you in real-time
- FREE Direct Deposit and FREE sign-up
- No credit check and No bank account required
- $0 activation fee
5.0 / 5.0 (22 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
Annual Fee:
Card Network:
Card Category:
Consumer (Stored Value)
Card Type:
Card for Bad Credit
Guaranteed Approval
Prepaid Card
Reward Card
Credit Needed:
Bad Credit OK*
Grace Period:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
Application Fee:
Additional Fees
- Convenience Transfer Fee per $28.50 (account to account transfers from other deposit or loan accounts): Up to $3.50
- Overdraft Protection Service Fee (if applicable): $0.15 for
every $1 in negative balance created by each transaction up to a maximum fee of $36

ATM Inquiry Fee (domestic) - $1.00
ATM Withdrawal (domestic) - $2.00
Card Issuance Fee - $9.95
Cash Loads at retail locations - $5.00
Monthly Service Fee - $9.95
Over-theCounter Cash Withdrawal - 3.00%
PIN Purchase Fee (Pay As You Go) - $2.00
PIN Purchase Fee - $1.00
Pay As You Go Service Fee - None
Recurring Direct Deposit Load - FREE
Replacement Card Fee - $9.95
Signature Purchase (Pay As You Go) - $1.00
Signature Purchase Fee - FREE
CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

The Insight MasterCard Prepaid Card provides credit-like features without credit commitments. Indeed, you can save money by avoiding traditional fees and interest rates, but you can also earn a little bonus cash for setting up a direct deposit program.

Since your direct deposit will post as much as three days faster than with other cards, you should definitely look into it. Your approval is guaranteed, after all.

This prepaid debit card is not only convenient but it is also very safe. In fact, it is FDIC insured for up to $250,000! Obviously this means that no matter what you plan to spend with your money, your money will always be safe as long as you deposit it on this card.


Most attractive:
- Cash back bonus
- No credit check
- FREE sign-up
- $0 activation fee
Least attractive:
- Over-theCounter Cash Withdrawal Fee


- Get $50 bonus on your first direct deposit of $200
Other Benefits:
- $0 activation fee
- Safer than cash
- No credit check
- No bank account required
*See Terms and Conditions for more benefits
Online Access:
100% Guarantee Approval:

*The information provided for Insight MasterCard® Prepaid Card is believed to be accurate at the time of evaluation (Mar 23, 2014). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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