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Issued by MetaBank Categories: Pre-Paid
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Overall Rating
Benefit Rating
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The Account Now™ Vantage Debit 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 activation fee of $29.95 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 $149.35 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 Account Now™ Vantage Debit MasterCard® to be a beneficial option. This card offers cardholders their choice of three 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).
Most Attractive Feature(s): Access to free credit builder program.
Least Attractive Feature(s): Application fee; monthly maintenance fee; transaction fee.
Additional Perks
Access to free credit builder program.
Free bill pay service for the first seven transactions per month.
No liability for unauthorized transactions.
See website for additional benefits.
Rates & Fees
- Introductory Rate: No Introductory Rate Available
- Introductory Rate Details:
- Grace Period: Not applicable to this type of card.
- Applied Towards: None
- APR (Purchases) %:
- APR (Cash Advances) %:
- Finance Configuration:
- Annual Fee: $0
- Additional Cardholders:
- Application Fee:
- Minimum Credit Limit: n/a
- Maximum Credit Limit: $10,000
- Late Payment Fee:
- Over-The-Limit Fee: $29
- Cash Advance Fee: $2 U.S. ATM transaction fee (1 free cash withdrawal per month); $4.95 bank teller cash advance and international ATM transaction fee
- Balance Transfer Fee:
- Important Notations: 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).There is a transaction fee for U.S. purchases.$1 fee for ATM balance inquiries.$1 fee for international purchases.No credit checks or turn downs.No employment verifications.Must be at least 18 and a U.S. citizen or permanent resident.See website for complete terms and conditions of card usage and application disclosure.
* See the online credit card applications for details about Terms and Conditions of offer.
Note: The credit card information is believed to be accurate during the update. However, all information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions Statement that accompanies the credit card application. When you click on the " Apply " button you can review the credit card Terms and Conditions on the credit card issuer's web site.
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
| n/app |
Not Available |
$125** |
No Introductory Rate Available |
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- No Annual Fee for the First Year - $95 Thereafter
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
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$95** |
No Introductory Rate Available |
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- Get Your Application Results in Seconds
- Monthly Reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases
- No Minimum Monthly Income Requirements*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
| 19.92 |
19.92 |
$50 |
No Introductory Rate Available |
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