Prepaid Credit Cards

If you need a credit card but have had trouble getting a regular credit card due to bad credit or no credit history, then a prepaid credit card is a good choice for you. Since no credit check is needed, your approval is 100% guaranteed. Some of the prepaid cards may even help you to build or rebuild your credit. Prepaid credit cards can also help you control your spending if you tend to overspend because you can only spend up to the amount you have pre-deposited into the account. Compare the following prepaid credit card offers and apply online for the one that fits your needs.

10 Prepaid Credit Cards Available. Displaying Offers 1 - 10:

BuyRIGHT Prepaid MasterCard® 

( 6 )

• Guaranteed Rewards - you can pick iTunes, RedBox, Cash, Starbucks and More
• Special Reload Offer - Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.*
• Free Direct Deposit, Online bill pay, Earn rewards.
• No credit check, 100% approved*
• No bounced check fees or overdraft fees - ever!
• Travel, rent cars, reserve hotels, shop online safely.
• Unbelievable customer service.

Wired Plastic^TM Visa® Prepaid Card

( 9 )

• Accepted everywhere VISA is accepted
• No Credit Check, Income requirements, or bank account required
• Free Online Access to Account
• Free Mobile Alerts - Text to your mobile and email
• Free Bill Pay Service - Pay Anyone Online or Over the Phone
• Free Rewards Program - Earn 1 point for every $1 spent
• No Bounced Check, NSF, or Overdraft Charges Ever
• Free Direct Deposit - Eliminate check cashing fees

Prepaid Visa® Pink Diamond RushCard

( 1 )

• 100% Guaranteed Approval* - No Credit Check.
• Free Direct Deposit - sign up now and have a safe place to put your tax refund.
• Only card that lets you change your fee plan whenever you want to.
• Free prescription discount card.
• Easy Bill Pay - pay bills, rent, or write personal checks.
• Card to card transfers.

Walmart MoneyCard^SM MasterCard^® Prepaid Card

( 2 )

• No issuance fee online
• No credit check or bank account required
• No overdraft fees
• No minimum balance required
• Free Direct Deposit
• $10 bonus with qualifying Direct Deposit (for a limited time only)
• Use everywhere MasterCard debit is accepted, including shop online, pay bills, get cash at ATMs

Pink ACE Elite(TM) Visa® Prepaid Card

( 1 )

• As an official sponsor of the National Breast Cancer Foundation, purchases from the ACE Elite Card have contributed to over $2 million towards breast cancer awareness and detection.
• Free Direct Deposit - tax refunds get credited in as few as 8 days and paychecks are available up to two days faster*
• Direct Depositing $500 in one calendar month qualifies you for a $10 Purchase Cushion & our lowest fee plan*
• No credit check, No application fee, No obligation*
• Secure: Card funds are FDIC insured, backed by Visa® Zero Liability*

Prepaid Visa® Purple Diamond RushCard

( 2 )

• 100% Guaranteed Approval* - No Credit Check
• Free Direct Deposit - sign up now and have a safe place to put your tax refund
• Only card that lets you change your fee plan whenever you want to
• Free prescription discount card
• Easy Bill Pay - pay bills, rent, or write personal checks
• Card to card transfers

Green Dot® Gold PrePaid Visa®

( 24 )

• $0 Activation Online - with no credit check
• Access over 18,000 MoneyPass® ATM's
• 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

Walmart MoneyCard^SM Visa^® Prepaid Card

( 1 )

• No issuance fee online.
• No credit check or bank account required
• No overdraft fees
• No minimum balance required
• Free Direct Deposit.
• $10 bonus with qualifying Direct Deposit (for a limited time only)
• Use everywhere Visa debit is accepted, including shop online, pay bills, get cash at ATMs

UPside Visa® Prepaid Card

( 8 )

• Similar to a checking account with a Visa prepaid card
• Save up to $220 compared with other cards, the first year alone
• 100% approval with no credit check and no activation fee
• $0.99 monthly fee if $500 is loaded each month. (Only $4.95 otherwise)
• Free Direct Deposit from employers or deposit cash at 50,000 retailers
• Write personal checks online: easy to pay rent or other bills
• Earn 1,500 cash back reward points for you first direct deposit load
• Optional companion card available, as if you had a joint checking

mPower^TM Visa® Prepaid Card

( 24 )

• 100% Guaranteed Approval* - No Credit Checks
• $25 Cash Bonus, Free Activation and $0 Monthly when you use Free Direct Deposit
• Quick and Safe Access to your Money
• Easy Online Bill Pay
• Free Activation*
• No Minimum Balance

What are Prepaid Credit Cards?

Many people are rejected after filling out a credit card application because of poor credit. The problem with this is that a major credit card is needed to make reservations for hotels, motels, car rentals and airline flights. Credit cards are also necessary when placing orders online or over the phone. Does this mean a person with bad credit can't do any of these things? Not if that person has a prepaid credit card.

A prepaid credit card account is opened by depositing money into that account, much in the same way you would make a deposit to open a checking or savings account. Once you have money in your account, you're issued a prepaid credit card that can be used anywhere one would use a regular credit card. The best part of the prepaid credit card is that you can charge to your heart's content and you won't be in debt. The money is yours and once it's gone, you can't spend any more until you make another deposit. There are no bills and no interest charges. It's the same principle as using a debit card linked to a savings or checking account.

So what's the catch? First, you'll have to pay a fee to set up your account. The amount varies, but you can probably expect to pay about $5 to $10 to open a prepaid credit card account. For those with bad credit, the benefits of a prepaid credit card far outweigh the risks. They're able to reserve rental cars or hotel rooms, and don't have to worry about credit card bills and interest payments later.

If you're frustrated because a credit card is necessary to get by in today's world, but can't apply for one because of bad credit, you might consider a prepaid credit card. You'll have most of the advantages of a credit card, and you won't have to worry about interest charges.

Benefits of Prepaid Credit Cards

Many families with teens and college students are choosing prepaid cards for the right balance of independent decision-making and parental controls.

• Spending independence - You can use prepaid credit cards just like regular credit cards. Just find what you need, hand your card to the clerk, sign your name on the receipt, get a copy of the receipt and your card back--and you're done.
• Convenience - Prepaid credit cards can be used everywhere Visa or MasterCard is accepted-at stores, gas stations, restaurants, theaters, in the mall and online.
• Budgeting - You figure out in advance how you'll spend it: spending can be controlled by how much money is loaded. In addition, prepaid credit cards provide a simpler way to keep track of money vs. carrying cash.
• Safer than cash - Unlike losing that twenty-dollar bill, with prepaid credit cards you're protected from unauthorized transactions if the card is lost or stolen. Cards can be replaced if lost or stolen.
• Teaching tool - Prepaid credit cards help you or your teens learn financial responsibility and good money management skills. Prepaid credit cards are a hands-on tool that teaches teens about finances in a controlled environment. You can monitor the balance and where the card is used either by going to your password-protected website and reviewing the transaction history and online statement in detail or by telephone.
• Security - If you are still uncomfortable giving the numbers of the card on the internet, the prepaid card is the answer. Since the card can be charged only up to the value of the pre-loaded fund, the thieves can not make an excessive charge using your card.
• Gift giving - Parent-approved gift givers can also fund the card for general purpose spending or with virtual gift certificates for merchant-specific spending.

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