Is RxCut A Scam? MLM Opportunity With Lucrative Income And A Free Discount Card?

rxcut scam

Welcome to My RxCut Review!

Being in a world filled with business opportunities, it’s difficult to find a reliable and stable earning job but the good news is: there’s a lot of them.

Multi-level marketing (MLM), for instance, is one legit business model you can consider if you’re good at selling and networking. However, despite the lucrative offer, this platform is always bombarded with negative reviews, mainly because of the recruitment part.

RxCut Review Summary

Name: RxCut


Founders: Gerard Ferro and Eric Shugarts

Product Type: Multi-Level Marketing

Price: $199 For The Membership/Affiliate Fee

rxcut logo

Quick Summary: RxCut is a company that offers a discount prescription program that enables consumers to receive the lowest prices available for their prescribed drugs plus a free RxCut card -- a card that lets them save up to 87%. The card is as well accepted in all major chain pharmacy stores and most independently-owned pharmacies.

It also offers a business opportunity running on a multi-level marketing (MLM) scheme and just like most MLM opportunities, basically, you have to build your downline to increase income through bonuses and incentives. 

Overall Rating: 3/10

Recommended: No

But then, this doesn’t mean that it’s a scam or a pyramid scheme. After all, these are two different things. For one, an MLM offers tangible products while the other one only pays you for inviting a new person.

Nonetheless, you have to consider a few things first before joining a network marketing platform.

In this post, we’ll talk about an MLM program called RxCut -- a company that offers a free discount card.

Will it offer you a good source of income? Is RxCut a scam? How does it work? 

Learn everything you need to know in this unbiased RxCut review.

What Is RxCut About?

RxCut is a multi-level marketing company that offers a discount prescription program that entitles not only consumers but as well as members to receive discounts on their prescribed medications. 

Yes, they are entitled to enjoy the lowest prices available for their prescription drugs. 

The program is unique, unlike other discount cards that can provide substantial savings to even those with prescription benefits. The card is even accepted at all major chain pharmacy stores and most independently owned pharmacies. 

The RxCut Card allows you to save up to 87% on your prescriptions and other healthcare services with or without insurance! Being an MLM opportunity, you could not only use the card but you could as well market it to make money.

It's in Mount Laurel, New Jersey where the RxCut® card is generated by New Millennium Inc. and it is distributed in the Atlanta Metropolitan market area. Rxcut Card started in 2014 by founders Gerard Ferro (who passed away in 2017) along with co-founder Eric Shugarts

rxcut Gerard Ferro and Eric Shugarts

Gerard has years of broad-based healthcare industry experience. He’s also known as an inventor, author, and entrepreneur. He also co-founded SUNRx in 2001 and was the CEO until 2007.

Eric, on the other hand, is a technology leader at five corporations over the past years, such as Cellular Sales. He was the Chief Information Officer (CI) of SUNRx in 2006 and has co-founded Free For All, Inc in 2008. 

RxCut is based in New Jersey and mostly operates nationwide in the US. 

RxCut Product Line

Basically, this company markets this RxCut card that allows consumers to avail of discounts. Their Rx card can be used at over 54 thousand pharmacies nationwide in the US. So how does it work? 

rxcut card

It’s simple when buying at a pharmacy you simply have to show your membership card. You can then ask how much the discount and see yourself paying for the lowest possible price. 

Learn more about the RxCut Card in the video below:

There is also a Vision and Dental plan that you can purchase from RxCut for that is for $12.95 a month. There is as well a Pharmacy Price Search Tool on their website that you can use to find the lowest prices on medications in your local area.  

The FREE RxCut® prescription savings card provides clients access to the absolute lowest price on prescriptions; the lesser of the RxCut® discounted price, insurance copayment or the pharmacy cash price. 

In addition to savings on prescriptions, clients will enjoy similar cash savings on five other Points of Care Savings Program categories - Mail Order Prescription Drugs, Durable Medical Goods, Over-the-Counter Medications, Diabetes Supplies, and Hearing Aid Products & Services. 

The Program Highlights:

  •  No enrollment fees
  •  Everyone qualifies
  •  All cards are active
  •  Unlimited uses
  •  Never expires
  •  Works for pet medications
  •  No activation or enrollment
  •  No personal information needed
  •  Works for all FDA approved prescription medications
  •  Share the card or print one for family, friends, co-workers, and community 

How To Make Money With RxCut? 

They say RxCut offers a pretty lucrative compensation plan. Just like most MLMs, you can earn residual income every time someone uses the card and also earn through recruitment commissions when you recruit new distributors to join. 

Let’s see how it works.

Basically, every time you recruit someone to join and they pay the affiliate fee of $199, you will earn $79. RxCut has a uni-level structured compensation plan. They pay 4 levels down. You will also earn every time someone uses the RxCut to purchase FDA approved prescriptions. There is a unique code on every membership card given by you to track your commissions.

RxCard Usage Residual Commissions 

Level 1 – You will earn $1.50 from all of your customers and personal recruits who use the card (per usage)

Level 2 – You will earn .35 per usage. This is all the customers earned from your 2nd level. Remember, your 2nd level are the recruits from your 1st level. The same applies to subsequent levels.

Level 3 – You will earn .10 per card usage.

Level 4 – You will earn .5 per card usage.

Residual Income can come also from other plans such as:

  • Benefit Relief Vision and Dental Membership – Earn $2.50 on Level 1 and .40 on Level 2.

Learn more about the compensation plan of RxCut in the video below:

Is RxCut A Scam?

No, it’s not a scam. RxCut is a legit MLM company offering cards that allows people to gain discounts. 

For affiliates, they have as well quite a decent plan that can give you lucrative income if you do well in recruiting. So, that’s it, just like most MLMs, you can earn through residual incomes and recruitment commissions. And that’s one of the reasons, I’d probably not recommend you to this opportunity. 

Being in the business since 2014, who would say that it’s a scam? Though not Better Business Bureau (BBB) accredited, RxCut does have an A+ rating in BBB. This means one of two- either no one takes the free discount cards, or every single customer is satisfied with their service.


To be eligible for commissions in their MLM opportunity, you have to become an affiliate and it will cost you $199. 

With that, you are provided with a customized marketing website, 5,000 RxCut cards, access to the Partner Portal, guidance about your first 24 hours as an agent and print-ready card templates. 

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Free Discount Cards (The Rxcut Card Itself!)

The idea of free discount cards is pretty inviting! I would even want one in order to have as well the opportunity to gain discounts on prescribed medications or other plans such as the dental or vision plan. And with all these benefits, you can have the card for free?! That’s indeed a good thing!


Joining Cost For MLM Opportunity

The cost of joining is quite steep. It’s for $199 along with inclusions but it seems to me that you’re more buying the membership rather than the product. Well, the cost itself will be the basis for your commissions later on as your downline will also pay for it. 

Too Much Attention On Recruitment

Yes, it’s all about recruitment because it follows an MLM structure.

It is the heartbeat of this business but while it’s normal, it would be better if the platform focuses or at least balance on the progress of sales and customer satisfaction. Otherwise, it might put too much pressure on the member or worse, people may tag it as a pyramid scheme.

Limited Area

The idea of discounts and earning a big commission through recruitment is enticing. The discounts even cover many pharmacies and establishments nationwide. But that’s the problem, it’s only nationwide in the US. So if you’re in the UK or other parts of the world, you couldn’t join this business venture.

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Who Is It For?

It is a business opportunity intended for those who have skills in sales and are consummate in the MLM world. Being in a business that offers discounts to health-related concerns, it is also for those who uphold health and wellness and for those people who would like to save money on prescriptions and as well have it as an earning opportunity. 

Training Tools/Support

Being an affiliate in RxCut, they will provide you with a marketing website to help you generate new customers. This website will have your personalized id on it for tracking purposes. They have as well a member portal where you can track your results and also they will give you access to online materials and resources to help you grow your business. 

And as a networking business, you can as well ask support from your direct upline for questions, mentoring and clarifications or call their number for support (800) or you can submit a help inquiry through their website. 

Final Opinion/Verdict

Overall, I would not recommend you joining this MLM opportunity RxCut offers.

Yes, it is not a scam. It has been running for a couple of years. But just like most MLM opportunities, this company puts more focus on recruitment to gain lucrative income. 

Yes, as in their compensation plan, you can gain lucrative income but only if you really do well recruiting and building your own downline. 

Indeed, it will require hard work, great recruitment skills, and the guts to progress and succeed in this business. It can’t be for all. 

I like the idea of free discount cards. Well, for consumers that’s a great thing but for affiliates, the cost of joining their MLM opportunity is quite steep. And one of the reasons why I will not recommend you this is that this opportunity is limited only for a nation. It’s only available in the US, so if you’re from the other parts of the world, you can’t join this MLM opportunity.

What’s Next?

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I hope my RxCut review has enlightened you and if you have any questions, comments or a personal testimony to share, please feel free to do so in the comment box below.

Thank you!

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Caroline So

I'm a stay-at-home mom always on the lookout for ways on how to make LEGITIMATE money online. I also love to write; when not working as a content writer, I create blogs about skincare, makeup, motherhood, and digital marketing. I joined Vasiliy as a writer for Best Lifetime Income blog.

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