Reviews (US)

SmartAccess Prepaid Visa debit card full review

Interested in ways to make your everyday life safer and more secure? Unsure about carrying physical money inside your wallet? Check our SmartAccess Prepaid Visa debit card review and learn all about this new way to keep your money safe!

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by Victória Lourenço

Published on 06/19/2022

SmartAccess Prepaid Visa debit card: easy and safe money-management, with all the features of a credit card!

Check out our SmartAccess Prepaid Visa debit card review! Source: PNC Bank
Check out our SmartAccess Prepaid Visa debit card review! Source: PNC Bank

Are searching for easy and accessible ways to make purchases online but can’t seem to find a solution that will suit your needs? Or maybe you just want a good and safe card format that will keep your balance safe from the adversities of modern life? Keep reading our SmartAccess Prepaid Visa debit card review and learn all about this innovative card!

Credit ScoreAny score.
Bank and ATM Fees$5 monthly fee.
3% foreign transaction fee.
Cash Withdrawals Free in-network withdrawals.
$3 fee for out-of-network withdrawals within the domestic country.
$5 fee for international withdrawals.
Welcome bonusThis card features no welcome bonus.
RewardsThis card features no reward package.
SmartAccess Prepaid Visa Debit card review

How to apply for the SmartAccess Prepaid Visa card

Check our SmartAccess Prepaid Visa debit card application post and learn all there is to apply for a secure and safe way to keep your money!

A debit card that makes online purchases easy and secure and day-to-day spending manageable and trackable! This card may be the perfect fit for a safe and healthy life of purchases. In conclusion, you will have the power of responsible money management inside your wallet at all times!

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How does the SmartAccess Prepaid Visa debit card work?

Learn all about how to use this great PNC Bank card! Source: Unsplash
Learn all about how to use this great PNC Bank card! Source: Unsplash

As a preloaded debit card, this product is quite simple to understand: load a desired amount of balance using money from another source, and there you go! This makes for manageable and responsible spending and controls risks when carrying your card around!

SmartAccess Prepaid Visa debit card benefits

We have already talked about how safe this card is for your money, but we haven’t mentioned it’s also quite accessible! As it’s not a credit card, it doesn’t need a credit check for you to apply! Not only is it versatile for keeping your balance but also accessible to all credit scores. See below our full list of perks:

Pros

  • Safe and secure way of spending money.
  • Easy to manage.
  • Load funds via direct deposit or cash.
  • Access to your balance 24/7 through online banking services.
  • Visa brand accepted almost everywhere.

Cons

  • Lack of a rewards program.
  • Requires a monthly fee.
  • Little innovation to the prepaid card format.

How good does your credit score need to be?

Being a debit card, the SmartAccess Prepaid Visa doesn’t require a credit check for the application process! Just sign up for it via PNC’s website, and you’re good to go! It’s also worth remembering that using this card has no impact on your credit score. If you are looking to build credit, a credit card is the way to go rather than a preloaded option.

How to apply for SmartAccess Prepaid Visa debit card?

Interested in learning more about this prepaid debit card and finally getting a secure way to make purchases without the need to carry around cash? See our how to apply post below and learn all about this card’s application process!

SmartAccess Prepaid Visa Debit card review

How to apply for the SmartAccess Prepaid Visa card

Check our SmartAccess Prepaid Visa debit card application post and learn all there is to apply for a secure and safe way to keep your money!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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