Your RushCard may be used for purchases and payments anywhere Visa debit cards are accepted - in person, online, or over the phone. See Cardholder Agreement for complete details. Your RushCard CANNOT be used for gambling purposes (e.g, online gambling websites).
You may make purchases with your RushCard using either method. Please refer to the paragraph labeled "Your Liability for Unauthorized Transfers" in the Cardholder Agreement for a description of the rights and protections applicable to Visa debit and non-Visa debit transactions.
The merchant will authorize your RushCard at the time of purchase and the amount will be deducted from your available balance. However, some merchants, such as gas stations, restaurants, auto rentals and online merchants, may place a hold on your RushCard for the estimated amount of purchase or more. See Cardholder Agreement for complete details.
Whenever you use your RushCard for a purchase, there is a process used to verify that you have enough funds on your card. When you make the purchase, a "hold" is placed on your card (It shows up as a "Pending Transaction" on your card account transaction history online or on your RushCard mobile app (standard text message and data rates, fees, and charges may apply)). Money that is "on hold" cannot be spent. Once the merchant receives confirmation that the funds are available, a "settlement" is posted to your card account and the funds for that transaction are withdrawn. In many cases, it takes several days for a settlement to come through, and the hold will remain in place until then. You cannot dispute a transaction until a settlement has been posted to your card account.
Yes, but keep in mind that some auto rental agencies do not accept debit and/or prepaid cards. If you use your Card for a car rental purchase, or for similar purchases like at restaurants or hotels, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. All transactions relating to car rentals may result in a hold for that amount of funds for up to thirty-five (35) days. During the hold period, you will not have access to the preauthorized amount.
Yes. However, if you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount (place a hold) on your Account of up to $125.00 or more. This may cause your Card to be declined even though you have sufficient funds in your Card Account to pay for the transaction. If this happens, pay for your purchase inside and tell the cashier exactly how much you want to spend.
Yes. See the Cardholder Agreement for complete details regarding spending limits.
Credits/returns usually post within 3-5 business days.
If you are disputing the quality of a product or service provided, you should contact the merchant directly with your concerns.
Did you purchase the service or product, but not receive it? Or did you receive it and are unhappy with its quality or safety?
If so, the situation can often be resolved by contacting the merchant directly. Explain the situation to the merchant, and they may credit your RushCard for the disputed amount.
Did you not purchase the service or product?If so, please immediately contact RushCard at (866) RUSHCARD (866-787-4227), available 24 hours a day, 7 days a week, to notify them that you did not authorize the transaction. Please refer to your cardholder agreement for more details.
Disputed transactions can take up to 90 days to resolve. We may ask that you complete an Unauthorized Transaction form. This form will help us conduct the dispute investigation. Please refer to your cardholder agreement for more details.
Please allow a minimum of 60 days for the issue to be resolved. If you do not see a credit on your card account after that period of time, contact us at 866-RUSHCARD (866-787-4227) 24 hours a day, 7 days a week, and a Customer Service Agent will assist you.