Offered by: Columbus Bank & Trust Company

Green Dot® Gold Prepaid Visa Card

  • $0 Activation Online –with no credit check
  • Access over 18,000 MoneyPass ® ATMs
  • Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
  • No Monthly fee for any month with at least 30 purchases
  • No Transaction fees on US purchases
  • No overdraft fees
  • No Minimum balance required
  • Get $10 with qualifying direct deposit (see site for restrictions)
546 Average Credit Score Approved for this Card
501 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
   

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

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Annual Fee

See Terms* *

Late Fee

See Terms*

Cash Advance Fee

See Terms*

Balance Transfer Fee

See Terms*

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

$0

$0

$0

Interest Savings on Transferred Balance

$0

$0

$0

Interest Savings on New Purchases

$0

$0

$0

Value of Rewards on New Purchases

$0

$0

$0

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

$0

$0

$0

 
Savings:
Total Annual Savings

$0

$0

$0

Total Savings over 3 Years

$0

Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: See Terms* *
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Compare Holders of This Card

Green Dot® Gold Prepaid Visa Card Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!

45 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Happy Green Dot Cardholder

I got my first Green Dot Visa about 2 years ago when I started "Financial Peace University" to get myself back into being more financially responsible.  Basically, used it in place of the envelope system to give myself a "weekly allowance" and not be nickle and diming my personal checking account with every Dunkin' Donut, Big Gulp Vanilla Root Beer, and a plethora of monthly auto-payments made for personal subscriptions like my Rhapsody, Dropbox, and Office 365 accounts.  (And by the way - not only did it help me realilze how much unnecessary spending I was doing, it kept me "in check" and I'm better for it.)

So I decided to get two cards - one for me to have a "Weekly Allowance" and the other for my online subscriptions and other auto-debit expenses which I never carry with me.

When it comes to actually using the card for purchases, and adding funds, I have never once had a problem.  I make sure that I keep a close watch on my current balance to avoid any embarrassing moments at the checkout, but all in all, if the money wasn't there - they declined it and there has yet to ever be a fee for doing so.  (Which I believe you can OPT-OUT of them allowing "overdrafts" just like you HAVE to do with your bank check debit cards if you dont' want them going ahead and charging you a boatload of overdraft fees in addition to the purchase amount you paid - that's not the card companies fault, that's the cardholders fault for not being responsible enough to check his or her balance regularly - they email it to me DAILY so I have no excuse)

The ONLY time I had an issue, came when I lost my wallet.  Thankfully, the only card I carry with me is my Gold Dot because the nightmare of dealing with three credit cards, two bank debit cards, etc when they get lost/stolen...  well, I'm sure some of you know what that is.

In this case, my wallet was actually snatched off a desk at a public library.  And the person who took the card started making purchases (actually used it at the coffee shop inside the library no less).  When I got home, I got them on the phone and several other charges had taken place...  all in all a total loss of about $60.

I do admit that the Customer Rep didn't seem to be very "careing" about my situation in their tone, but then again, most customer service reps deal with angry beligerant people all day long so personally - I don't blame them.  They also have to hear the same stories day after day, so like Trauma Center Doctors, they get a bit immune to the emotional factor involved.  

Unlike a Check Debit Card, these prepaid cards are subject to a very high rate of consumer fraud, and alot of it done by the cardholders themselves, so there is a lot more scrutiny that you will go through than you would if you went through your personal bank.  But one thing that I DID find, was that my issue was resolved in about three weeks, and all but two transactions that were made were refunded back to me.  (The reason two were declined because they were at a place that I frequent almost DAILY and they occurred on the DAY OF the loss of the card). 

Total loss to me was about $15.  I know, not much compared to what many of the bad reviews I see here...  

My advice to those who are considering getting one of these is simple.  Don't use it as your personal bank account and put all your money in it.  It's not a Credit Card...  Also remember, that they will question chargebacks because of lost or stolen cards much deeper than a bank that you have accounts with, or any actual Credit Card company.  They HAVE TO DO SO.  The larger the amount of the loss, the harder and longer it will take to get a refund.

One final thought on "overdrafts" - call them, and ask them if you can OPT-OUT of them actually accepting an overdraft.  Customers who have a long history of regular reloads and lack of declined transactions will occassionally see them let it go through, and charge you an overdraft just like your bank will.  Some banks offer Opt Out - others do not.

Sign up for daily balance emails, and actually know the balance on the card before you actually use it - even if it means using your smart phone to connect to the website and check your balance.  Ultimately in the end, if you use it and you don't have a balance to cover the transaction - its the cardholder's fault, not the Card Company (or your bank).

My two cents...  (Let the backlash begin)

RobertHinTexas's response was:    

  Apr 23, 2014

RobertHinTexas(1, 0)

Review by RobertHinTexas

1 Contributions 0 People Helped

HORRIBLE

I got this for my teenager so she can use this online instead of my debit cards. HUGE mistake! I put a good amount of money in it for her but when she was ordering they always got declined, and even though they were declined it would still charge the card! I was furious and called customer service but they were no help! If only I could give this card & company zero stars. Do not recommend and will never repurchase . 

Apr 14, 2014
Green Dot is a Fraud!!!

I received a green dot card as a gift.  Please don't do this to anyone that you care about.  Tried to activate it, the site wouldn't take the information.  Emailing for help doesn't work.  Wasted time and frustration over a gift, no less.  I will file a complaint with the attorney general's office here in Louisiana.  This is criminal.

Apr 05, 2014
PLEASE DO NOT BUY

I can't express how much green dot sucks! They take your money, all of it and then some. This company should be illegal. As soon as I get the new card, I'm closing the account. Flipping ridiculous. To anyone looking into this, please think twice. 

Mar 02, 2014
Not a customer service minded business

My son is now living in Brazil for the next 15 or so months. Was tiold not to take cash, but that cards like Greendot would be invaluable. The card worked great for the first few months, but was recently placed on hold due to questionable activity. I spoke with a rep(not very helpful) who cleared all the purchases as I stated they were done by my son. After placing me on hold for several to "varify" something she told me that greendot was no longer valid in Brazil for security concerns, and this was one of the stipulations of the card. That is that they could cancel where it is used at any time. I will hopefully get the refunded money, as I quickley cancelled the card. My advice, stay away from this company. Do not expect to speak to a supervisor, as that is apparantly not an option with them. Who you get on the phone is all you get on the phone. Horrible customer service and no real cares to make it better. Trying now to find a reputable card source that will allow it use in Brazil. Stay away from this card!!!!

Feb 24, 2014

See all 45 Reviews of Green Dot® Gold Prepaid Visa Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.