The All-Access Visa gift card is one of the most popular Visa prepaid cards. The card can be used anywhere Visa debit cards are accepted. You can purchase one at most check cashing places and convenience stores, including at some gas stations. They are also available at most drug and grocery stores and come in denominations of $25, $50, $100, and up to $250. Like other Visa gift cards, the All-Access Visa card comes with fees, including a purchase fee of $4.95. The card is not reloadable or returnable once purchased.
Here are the most common FAQs regarding the All-Access Visa card:
1. What are the fees associated with the All-Access Visa card
In addition to the purchase fee of $4.95 that is payable at the cashiers, the All-Access Visa card comes with a monthly service fee of $2.95 that is charged after the 7th month of purchase. However, some have reported online that the service fee is actually $4.95 per month. There is no way to clarify this since strangely enough, All-Access Visa does not have information on their website (including FAQs) about fees associated with their cards.
The monthly service fee is charged until the balance is depleted so take note. Many customers who purchased the All-Access Visa card and held on to them got a rude awakening when they found out their funds have been wiped out by the monthly service fees. Also, while online balance inquiry is free, there may be a charge for balance inquiry request made via phone.
2. Can you use the All-Access Visa card for online purchases?
According to All-Access Visa, you have to register your card via phone or online (at www.allaccessgift.com) to be able to use the card online. This is necessary because the online merchant will then be able to match the name and billing address you provide for your order with the name and billing address on file for your visa gift card (just like they do for credit cards). If they are unable to match this information, your All-Access card will be rejected. For more on using bank issued gift cards like the All-Access card to shop online, click here.
However, others have reported that they have been unable to use the All-Access visa card online even after registering the card. Part of the problem may be due to the fact that their purchase amount is greater than the gift card value and certain online merchants do not support split payments.
Another issue is whether the All-Access Visa card can be used to make purchases on eBay or linked to PayPal. Being able to link it to PayPal depends on whether PayPal requires you to go through their verification process. If they do, then you will need access to your transaction details. If you are successful at viewing your gift card transactions, then you will be able to link to PayPal, otherwise, you are out of luck. For more on linking bank issued gift cards to PayPal, click here.
3. Can I use the All-Access Visa card if the amount of purchase is over the gift card limit?
Yes, but only in person at a retail location. This is because you have to tell the cashier that you are using two forms of payment. You should first present the All-Access cards and tell the cashier to charge the card for the full amount on the card (which means you have to know exactly how much you have on the card). You can then present another form of payment (cash or credit card, or another All-Access gift card) to pay for the balance. As a result of this two step process, you are not able to use the All-Access card online to pay for a purchase that is over the limit on the gift card since most merchants online do not support split payments.
4. Can I use the All-Access Visa card outside the United States?
Yes, you can use the All-Access Visa card to make purchases outside the United States but you may be charged a fee for this convenience.
5. Is there an age limit to who can buy or use the All-Access Visa gift card?
No, the All-Access Visa card can be purchased or used by anyone, including kids less than 18 years of age.
6. Can I reload the balance on an All-Access Visa gift card?
No. Once the initial amount on the card is used up, the card becomes worthless. If you need a reloadable Visa gift card, there is an All-Access Reloadable Prepaid Card that can be purchased here. These stores also carry other Visa Reloadable Prepaid Cards. Unlike the Visa gift cards, the Reloadable Prepaid Visa cards have certain requirements for purchase, including age limit.
7. Where can I buy an All-Access Visa gift card?
You can purchase an All-Access Visa gift card at many drug and grocery stores. They can also be found at many check cashing and convenience stores. You can also call 1-800-699-9708 for a seller near you.
8. How do I check the balance on my All-Access Visa gift card?
To check the balance on your All-Access Visa gift card, go to www.allaccessgift.com or call 1-800-699-9708.
As you can see, the All-Access Visa gift card provides convenience and gives you more options on where you can use it, including internationally, but there are other things to consider before you buy one, including the fees that come with the card and challenges of using it online.