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BuyRIGHT Prepaid MasterCard® Review

The BuyRIGHT Prepaid MasterCard® is a prepaid card that allows you to load funds to and then use the card to make purchases everywhere MasterCard debit is accepted. The card is available to anyone regardless of their credit history, even if you have bad credit. The card is not a credit card and can only be used when you add money to the card. Once the funds are gone you just add more money to the card. The card offers some traditional banking options like direct deposit and online bill pay. This prepaid card even has a rewards program known as the BuyRight Rewards Program. For those that are in the market for a prepaid card, the BuyRIGHT Prepaid MasterCard® might be a good choice.

The BuyRIGHT Prepaid MasterCard® can be used anywhere MasterCard debit is accepted. You can make purchases with the card, shop online, or pay bills. Adding money to the card is easy and convenient especially if you use direct deposit. The card offers a rewards program for cardmembers and even offers a bonus offer when you refer your friends or family members. The card offers a resource center for members which provides them with credit advice and information on how to improve their credit.

Nice Bonus Offer

As an incentive to become a cardmember, the BuyRight card offers a special bonus to users. If you refer a friend or family member, they apply for the card and get approved, then you get a $25 bonus added to your account. You can actually refer up to 50 people which means you could get a bonus of $1,250. This is a nice way to put some extra cash in your pocket.

Adding Funds To The Card

There are a several ways you can add money to the card. Let’s take a look:

  • Direct Deposit: The easiest and most convenient way is to sign up for direct deposit. This will allow you to have your pay check or government check automatically deposited to your account each pay day. There are great advantages to direct deposit like you don’t have to spend time or money cashing your check.
  • Add Cash: If you would like to add cash to your card you can do so through any Western Union or MoneyGram location for a fee. You can also load cash to your card by going to any one of the 3,000 retailer locations.
  • Make a Transfer: You can make a bank wire transfer from any existing bank account.

BuyRIGHT Prepaid MasterCard® Rewards

It’s nice to see prepaid cards get into the rewards game. The card offers a rewards program in which you can earn BuyRIGHT Points. You get these points when you use your BuyRIGHT Prepaid MasterCard® for everyday spending. With the BuyRIGHT Points you can cash them in towards the purchase of wireless airtime, internet, long distance, ring tones and music downloads. You earn 1 BuyRIGHT Point for every $1 you spend and you can check to see how many points you have by going to and logging in to your account. You can use your points towards things like the purchase of prepaid wireless airtime with Verizon, TracFone, Cingular and AT&T. You choose how you want to use your points by logging in to your online account.

Online Bill Pay

The card offers an online bill pay service called Click-n-Pay. This allows you to make one time payments or reoccurring payments to any company or person. All payments are made electronically unless the company or person your making the payment to does not accept electronic payments. In that case BuyRight issues a paper check on your behalf. Once you make a payment the balance is deducted from your account automatically. Electronic payments are always free, but a check payment cost $0.50 per check.

BuyRIGHT Prepaid MasterCard® Fees

The card is a prepaid card so you won’t ever be charged interest, late fees, or overdraft fees, but there are still fess you should be aware of. The table below illustrates some of those fees, but you should refer to the terms and conditions of the card for a complete list.

Activation Fee$9.95
Monthly Charge$7.95
ATM Withdrawal & Teller Cash Withdraw$2.00 & $4.50
Transaction Fee$1.00
Decline Fee$0.50
Reload at Retail LocationVaries
ATM Withdraw International $5.00
Replacement Card$2.00
Wire Fee$9.95
Balance Inquiry $1.00

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  • Deona McAlister

    how do i login and check my balance”s on my card i went to the website and i didn’t fine anything

  • tasha

    how do i activate my buyright card on line

    • David

      Tasha, you can log into your account at the BuyRight site to activate the card. If that doesn’t work for you, just give them a call and they can activate the card over the phone.

  • paige

    how can i cancel my card and get my money back thats on the card?
    didnt know there was a monthly charge and an activation charge and now i HATE this card!!

    • Michal

      Paige, I would suggest calling their customer service at 1-801-383-1018 so they can help you close the account.

  • shanna

    idk how to login to my account. i dnt have a username and password how do i find em out

    • Michal Cheney

      Shanna, You can contact customer service at 1-801-383-1018 and they can help you with your online account.

  • Kendall

    Anyone know how to get a live representative at 1.801.383.1018 or 1-800-851-7990? Both are automated systems with no options for live support.

  • david blake

    what number do i call to add a money pack reload to my card