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Type Credit Needed Annual Fee Intro APR Standard APR Rewards Grace Period Category

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MasterCard Poor Credit $71.40 None 0.00% None Not AvailableSecured  

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The Vaya Prepaid MasterCard Card

Related Card Offer:
Applied Bank™ Secured Visa® Credit Card
APR: 9.99%
Intro APR: None
Annual Fee: $50
Applied Bank™ Secured Visa® Credit Card
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The Vaya™ Prepaid MasterCard® Card

Quick Summary:
This MasterCard offer is issued by BankFirst. This is a secured card that does not issue a traditional line of credit. Many consumers use secured cards to help establish or re-build their credit ratings as long as the issuer reports to credit bureaus (see offer details below about reporting information).

APR's:
A 0% APR is listed for this card, meaning that balances may need to be paid in full each month as charge cards specify, or there is a special program regarding payment. Due to the limited information we have about this rate, we advise you to read the offer details along with the terms and conditions in full.

Rewards:
This is not a rewards card. However, depending on your intended use, the low rate of 0.00% may be considered as a higher importance than rewards.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect applicants with troublesome credit histories. A FICO score of at least 355 is recommended for a higher chance of approval for The Vaya™ Prepaid MasterCard® Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
This card is intended for people that want a secure line of credit. Uses for this type of card may include budgeting funds, adding deposits for later use, building a credit rating (if issuer reports to the credit bureaus), and possibly more. A secured credit line may be compared, or is similar to a debit card.

This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment.

Approval Rate:
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. If you believe that you fall into the credit record of "Poor Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 355, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:

The Vayatm MasterCard® Card is a prepaid MasterCard that you fund through transfers from your bank account or directly from your paycheck. With the Vaya Card, you can access your cash at ATMs. Whenever you want, wherever you are. You can also use your card to shop wherever MasterCard is accepted. At more than 29 million locations. No credit check is required. No bank account is needed. After you sign up, you decide how much money to load onto your MasterCard. And help is always available. 24 hours a day, 365 days a year. In English and Spanish. Over the phone, or on the web.

Rewards and Benefits:


  • Guaranteed Approval.
  • No credit check, bank account, or security deposit required.
  • No interest charges or late fees.
  • Prepaid, with easy loading options.
  • Purchasing power at more than 29 million merchants worldwide.
  • Cash Access at more than 800,000 ATMs.
  • Protected by MasterCard's Zero Liability Policy.

Other Remarks:

Notes regarding fees:



  1. Application Processing Fee: $49.00
  2. Monthly Fee: $5.95 (Calculated at $71.40 annually)
  3. ATM Fee (U.S.): $1.50
  4. ATM Fee (International): $3.50

We strongly urge you to carefully read the offer's terms and conditions before applying for this secured card.


This offer is for very poor credit. The balance of your account is not insured.


*Please view and verify the card offer's terms and conditions regarding interest rate, fees, grace periods, approval time and other information before applying.

 

 


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Secured Card Rate Comparison

APR0.00%
Avg. APR**6.99%
Annual Fee$71.40
Avg. Annual Fee**$27.33

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Secured cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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