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Prepaid Cards
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Prepaid Visa or MasterCard (also known as stored value cards) are pre-funded reloadable cards. They require payment in advance to the card company, after which the cards can be used until the payment is depleted. The cards can be recharged to be used again. The cards can be used anywhere Visa or MasterCard are accepted and at ATMs worldwide.
There are fees associated with these cards so please read the fees and disclosures for each card when applying.
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NetSpend® MasterCard® Prepaid Card |
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- 100% approval - No credit check required
- Make purchases anywhere MasterCard Debit is accepted
- No overdraft fees or minimum balances
- Online Bill Pay - Easily send a check to anyone
- 5% APY Savings Account - Exclusive!
- Free Direct Deposit from your paycheck or government check
- Add up to $10K to your account in over 65,000 locations
- As seen on TV and in stores nationwide!
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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READYdebit® Card |
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- 100% Approval Guaranteed!* – No Chexsystems or credit checks, bankruptcy okay!
- Now with FREE Credit Builder!
- Better than a checking account – Great online bill pay service with no overdraft, bounced check fees – EVER!
- Pay Nothing Now! – No deposits or prepayments required to get your card.
- FREE Direct Deposit! – stop paying to cash your paycheck.
- FREE phone and online access to your card account!
- No declined transaction fees!
- Great Loading Options – FREE direct deposit and bank account transfers, 60,000+ Green Dot and ReadyLink cash load locations.
- Safer than cash - All deposits FDIC insured; purchases covered by Visa Zero Fraud Liability protection.
- Cheaper than credit – no late fees, no over limit fees, no interest charges – EVER!
- * Subject to I.D. Verification
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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The Mango™ MasterCard® Prepaid Card |
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- FREE Prepaid MasterCard
- $0 Activation Fee
- FREE Direct Deposit
- FREE unlimited purchase / signature transactions
- FREE account management online or with your mobile phone
- FREE to check your balance with your mobile phone
- No monthly fee when you load $500/month
- Send money with your mobile phone
- Load cash at tens of thousands of retailers nationwide
- No credit check, no bank account needed, no overdraft fees
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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Baby Phat Prepaid Visa® RushCard |
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- Show your style with the BabyPhat RushCard
- Guaranteed approval*
- No Credit Check
- Free Direct Deposit of pay, tax refund, anticipation loans
- No Overdraft Fees/ No Check Fees/ No Interest Fees
- Free Credit Builder
- 56% of cardholders save over $300/ year using the RushCard
- Make money with our Refer A Friend Program
- Reloadable with a $10,000 maximum balance
- Free Email/ SMS Alerts
- Card to Card transfers between RushCard Members
- Free Prescription Discount Card from RushCard – Save up to 85% on prescriptions
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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Green Dot® Prepaid MasterCard® |
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- FREE $0 Activation Online –with NO credit check!
- FREE Cash withdrawals at over 15,000 participating ATMs
- FREE Online Bill Pay & Direct Deposit
- NO Monthly fee for any month with at least 30 purchases
- NO Transaction fees on US purchases
- NO Overdraft or penalty fees
- NO Minimum balance required
- GET $10 with Direct Deposit (see site for restrictions)
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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Vision Premier® Visa® Prepaid Card |
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- No credit check, no debt, no interest, no overdraft fees
- Free unlimited purchases – signature and PIN
- Free customer service
- Free Direct Deposit: Get paychecks, benefits and tax refunds faster
- Free PayFit Credit Builder – Pay bills and build credit for free
- Free text and email alerts and online access to track spending
- Safer than cash if lost or stolen
- Accepted everywhere Visa Debit cards are accepted
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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SilverCard Prepaid MasterCard® |
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- 100% guaranteed approval*/no credit check
- No overdraft fees or minimum balances
- Perfect card for government/benefits checks recipients
- $0 activation with rebate*
- Free direct deposit of your pay or government check
- Free unlimited purchase transactions anywhere where MasterCard debit card is accepted
- Online checking - electronic or paper checks
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See Appl. |
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ACE Visa Prepaid Debit Card |
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- No application fee and no obligation
- No charge for cash withdrawals at 1,600 + ACE Cash Express locations with direct deposit (daily limit applies)*
- Free unlimited purchase transactions with paid enrollment in FeeAdvantage Plan
- Get paid up to 3 days earlier than with a paper check with free direct deposit of your paycheck or government check
- No overdraft fees or minimum balances
- Free direct deposit of your paycheck or government check
- Protection from unauthorized transactions if card is reported lost or stolen. FDIC Insured
- Earning your trust since 1968
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AccountNow Prepaid Visa® Card |
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- NO Activation Fee
- NO Overdraft fees
- FREE Direct deposit – no more check cashing fees
- FREE Online Bill Pay
- FREE Credit builders
- Build your credit with the new iAdvance loan optionSM
- Instant guaranteed approval* – for prepaid card only
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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Upside Visa® Prepaid Card |
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- The power of a bank account in a Visa Prepaid card
- Much cheaper than other prepaid cards. Compare and save!
- No activation fee. $0 monthly fee if $300 or more is loaded each month. Only $1.99 otherwise.
- Free Direct Deposit from your employer.
- Deposit cash at 60,000 locations nationwide.
- No credit check required. Bad credit is ok.
- Write personal checks, best to pay rent or other bills.
- Accepted like any Visa debit card in the US, abroad and online.
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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Prepaid Visa® RushCard |
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| RushCard fees are simple and reasonable: |
- No annual, monthly, or customer service fees
- One-time activation fee: $19.95(so you don’t have to pay monthly fees that can cost $60 a year or more)
- Fee per purchase: $1.00 (capped at $10 per month—additional purchases are free)
- ATM cash withdrawal fee: $1.95(anywhere in the US)
- Inactivity fee: $2.95(no loads, purchases, or ATM activity within 60 days)
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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Wired Plastic™ Prepaid Visa® Card |
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- 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
- Add Cash Instantly at Over 100,000 Retail Locations Nationwide
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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AccountNow Prepaid MasterCard® |
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- NO Activation Fee
- NO Overdraft fees
- FREE Direct deposit – no more check cashing fees
- FREE Online Bill Pay
- FREE Credit builders
- Build your credit with the new iAdvance loan optionSM
- Instant guaranteed approval* – for prepaid card only
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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Prepaid Visa® Black Diamond RushCard |
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- FREE Activation with Direct Deposit before 4/15/10
- FREE Direct Deposit of pay, tax refund, anticipation loans
- FREE live customer service 24/7
- FREE text alerts and phone balance inquiries
- FREE optional credit building history
- FREE online money management tools
- Pay bills and shop online
- Easy to use - the convenience of plastic WITHOUT THE DEBT
- NO Credit Check
- STOP Paying check cashing, overdraft, interest fees
- Card to Card transfers between RushCard Members
- Free Prescription Discount Card from RushCard – Save up to 85% on prescriptions
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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Capital One® Reloadable Prepaid MasterCard® |
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- No credit check—sign up today!
- No overlimit fees or interest charges ever
- Free direct deposit available for faster access to paychecks and government benefit checks
- Secure—Get money back if card is lost or stolen. FDIC Insured
- Text and e-mail alerts to keep track of your money
- Use everywhere debit MasterCard is accepted to make purchases and pay bills
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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READYdebit® Platinum Visa® Prepaid Card |
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- Free 24/7 great customer service
- Free Mobile Banking and Text Alerts - New
- Free Score Tracker credit score service
- No Credit Check, no Overdraft Fees or Balance Minimums
- Free Unlimited Purchase Transactions
- Free Direct Deposit - paycheck, benefits, tax refunds
- Free Online Bill Payment & Check Writing
- Credit Builder – For Free
- Reloadable up to $10,000 Max Balance
- Exclusive Platinum card design
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR as low as
None |
Annual Fee
See App. |
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View Related Stories
Editor's Pick: Best Credit Cards for People with Bad Credit - In the past, it has been challenging to find low-fee, low-interest credit cards for people with bad credit. Currently, however, people with poor credit do have access to several reasonable credit card offers. Editor's Pick: Best Prepaid Credit Cards 2010 - Prepaid credit cards have traditionally targeted people with bad credit, however, in recent years as fees have come down, they have become increasingly popular as an alternative to credit cards. ALL CREDIT CARD HELP & ADVICE ARCHIVES >>
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