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Prepaid Credit Cards

Prepaid credit cards are designed for individuals who might have difficulty getting approved for an unsecured line of credit but would still like all the functionality and convenience of a regular charge card. While specific features will vary from program to program, a prepaid card generally requires the user to deposit cash or a paycheck (also known as “loading” the card) which will then be used as a secured source of funds for the owner to drawn against for as long as a positive balance is maintained. Prepaid credit cards work just like regular debit or charge cards; you can use them at any location that accepts Visa or MasterCard and some will even issue you a PIN number to use to withdraw cash at any ATM, anytime, anywhere.

People looking to apply for a prepaid credit card are usually concerned about three major determining factors: the annual fee, the application fee, and the participation fee. Annual fees are charges to use the prepaid service on a per-year basis, whereas participation fees are a charge to use the service on a per-month basis. You will rarely see a prepaid card that charges both an annual fee and a participation fee, so choosing between one or the other is simply a matter of deciding where you want your fees paid for in one lump sum (annually) or on more of a pay-as-you-go system.

AccountNow Prepaid Visa® Card
  • Instant Guaranteed Approval* – no credit check, no security deposit
  • $0 ACTIVATION FEE – when you load your card by direct deposit
  • Free Direct Deposit – no more check cashing fees
  • Free Online Check Writing – no need for expensive money orders
  • Free Credit Builder† – bill pay transactions are reported to PRBC®
  • No Overdraft Fees – no minimum balance required
  • Reloadable - $10,000 balance limit

AccountNow® Prepaid Visa® Card is a pre-paid card that can be used anywhere Visa is accepted. It offers Free direct deposit, Free online bill pay and free credit builder.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged None Yes Poor Credit OK
UltraVX Visa® - Secures Credit Card
  • Credit-On Demand™: up to $25,000 credit line—Patent Pending
  • Instant Approval: no credit check, no minimum income or bank account required
  • Credit Reporting: reports to major credit bureaus
  • Clear Rewards™: American Airlines, Southwest, jetBlue, Marriot, and more…no restrictions!
  • Powerful Account Features: direct deposit, bill pay, free alerts, add cash instantly at 100,000 retail locations nationwide

Now anyone can qualify for a credit cardwith UltraVX Visa®. It's the only card featuring Credit-On-Demand™* whichallows you to grow your credit line up to $25,000. Instant approval (no creditcheck, no minimum income, no bank account required), reports to the major creditbureaus. Clear Rewards you earn 1 point for each $1 spent, redeem points forSouthwest Airlines, American Airlines, jetblue, Marriot, and more with norestrictions. …give yourself some credit with UltraVX.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 14.9% None Yes Poor Credit OK
AccountNow® Vantage Prepaid MasterCard® Card

AccountNow® Prepaid MasterCard® Card is a pre-paid card that can be used anywhere MasterCard® is accepted. It offers free direct deposit, free online bill pay and free credit builder.

  • Instant Guaranteed Approval* – no credit check, no security deposit
  • $0 ACTIVATION FEE – when you load your card by direct deposit
  • Free Direct Deposit – no more check cashing fees
  • Free Online Bill Pay – no need for expensive money orders
  • Free Credit Builder* – bill pay transactions are reported to PRBC®
  • No Overdraft Fees – no minimum balance required
  • iAdvance loan option, no credit check needed.*
  • Reloadable - $10,000 balance limit

*See Card Terms and Conditions

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged None Yes Poor Credit OK
All Access® Visa® Prepaid Card

Features and Benefits

  • 100% Approved - no credit check and bad credit is okay
  • $10,000 Load Capacity - reloadable at retailers nationwide
  • No Upfront Payment - and no minimum balance requirements
  • FREE Savings Accounts - higher rate than most national banks
  • FREE Instant Transfers - send money to other cardholders
  • FREE Account Alerts - email or text messages on account activity
  • FREE Direct Deposit - make payday faster and safer
  • Online Bill Pay - pay bills to anyone at any time, online
  • Extra Cards - on the same account for family members or yourself

The All Access® Prepaid Visa® Card gives you the simplicity and the convenience you need to manage your finances. All Access is more than just a card - it's a full service account that takes care of all of your financial needs in just one place.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged None Yes Poor Credit OK
All-Access Prepaid MasterCard
  • NO MONTHLY fee (ideal for occasional use)
  • 100% approved with no credit check
  • No upfront payment and no minimum balance
  • $10,000 reload capacity nationwide
  • No bounced checks or overdraft fees
  • No bank account required
  • Free Account Alerts
  • Choice of GOLD or BLACK designs
Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged None Yes Poor Credit OK
BuyRight
  • Get cash at over 900,000 ATMs worldwide
  • Pay your bills online or over the phone
  • Eliminate payday hassles with free direct deposit
  • Accepted at millions of MasterCard locations worldwide
  • NO credit checks
  • NO employment verification
  • NO monthly or annual fees

Sign up today for the BuyRIGHT Prepaid MasterCard® Card and improve your financial strength and flexibility. Use the BuyRIGHT Prepaid MasterCard® Card wherever debit MasterCard® is accepted, at millions of merchant locations and over 900,000 ATMs worldwide.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged None Yes Poor Credit OK
Eufora Elite
  • Guaranteed Approval†
  • No Credit Check
  • $5,000 Maximum Card Balance
  • Cash Rewards Program
  • Auto Sweepstakes
  • 5 Ways to Load Funds
  • MasterCard® Benefits

Apply now for the most exciting Pre-paid card in the industry, the Eufora Card. The Eufora Pre-paid MasterCard card with the Credit Builder option is the only pre-paid card that can help you build or rebuild your credit. Eufora Cardholders also have the opportunity to be automatically entered into a MONTHLY new car sweepstakes. Each time you spend $100 on your Eufora Pre-paid card you get a chance to win 1 of 30 ($30,000) cars given away. Need extra income? Take advantage of the Eufora Affiliate Program and earn money for referring others to sign up with the Eufora Card. Every year you and your referrals stay members, YOU GET PAID. Guaranteed Approval!

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None See Website For Details None Yes Poor Credit OK
Eufora Preferred
Eufora Preferred (1 Creative 3 levels)
  • Guaranteed Approval†
  • No Credit Check
  • $5,000 Maximum Card Balance
  • Cash Rewards Program
  • Auto Sweepstakes
  • 5 Ways to Load Funds
  • MasterCard® Benefits

Apply now for the most exciting Pre-paid card in the industry, the Eufora Card. The Eufora Pre-paid MasterCard card with the Credit Builder option is the only pre-paid card that can help you build or rebuild your credit. Eufora Cardholders also have the opportunity to be automatically entered into a MONTHLY new car sweepstakes. Each time you spend $100 on your Eufora Pre-paid card you get a chance to win 1 of 30 ($30,000) cars given away. Need extra income? Take advantage of the Eufora Affiliate Program and earn money for referring others to sign up with the Eufora Card. Every year you and your referrals stay members, YOU GET PAID. Guaranteed Approval!

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None See Website For Details None Yes Poor Credit OK
First Vineyard
  • Receive cash back from your own spending
  • Receive cash compensation from the spending of anyone in your compensation tree.
  • Live debt free and receive compensation for your everyday spending.
  • Reload your card directly from your payroll or bank account
  • Powerful Online Account Management
  • Online Bill Payment service included – Pay your bills directly with our powerful bill payment service
  • Card Accepted at 30 Million merchants & One Million ATM machines

First Vineyard is a new and exciting card incentive program. Simply use your First Vineyard MasterCard® Card for everyday spending, tell your friends and family about this exciting program, and begin receiving compensation.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged None Yes Poor Credit OK
Baby Phat Prepaid Visa® RushCard

Baby Phat 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)

Baby Phat has positioned itself in the world of fashion as a premiere brand. Now your fashion sense can be reflected in your card as well. The Baby Phat RushCard says that you are just as savvy about money as you are about clothes. It gives you all the flexibility that “plastic” offers, without exposing you to a credit card’s high interest rates and the danger of falling into debt.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged None Yes Poor Credit OK
Prepaid Visa® RushCard

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)

In today’s world you need “plastic.” RushCard is not a credit card. Russell Simmons created the RushCard so that you could enjoy the benefits of a credit card without the expensive penalties, high interest rates, and danger of debt that a credit card can expose you to. The RushCard will empower you financially by providing a safe place to store your money until you’re ready to spend it however and wherever you want.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged None Yes Poor Credit OK
Western Union® Prepaid MasterCard® Card
  • No bank account or credit check necessary. Valid Social Security Number or Driver's License or Matricula Consular required. A one-time non-refundable Activation Fee of $9.95 will be applied the first time you load funds to your Card.
  • Shop wherever MasterCard debit cards are accepted – even online. Get cash at ATMs worldwide. Reload cash on your card at a nearby participating Western Union® Agent location.
  • Enrolling for your Western Union Prepaid MasterCard is as easy as 1, 2, 3. No credit checks! No lengthy applications!
  • Easy to Get, Easy to Use. The power of cash. The convenience of plastic. Efficiently manage your money and pay bills because you control how much you put on the Card.
  • Carry your money safely and conveniently.
  • Shop online anywhere MasterCard debit cards are accepted.
  • Check your Card balance anytime online or over the phone.
  • Reload your Card at any participating Western Union Agent location in the United States.
  • No credit checks! No lengthy applications!
  • Shop wherever MasterCard debit cards are accepted – even online
  • Efficiently manage your money and pay bills because you control how much you put on the Card.
  • Easy to Get, Easy to Use
  • The power of cash. The convenience of plastic.

Experience the benefits. Carry your money safely andconveniently. Shop online anywhere MasterCard debit cards are accepted. Checkyour Card balance anytime online or over the phone. Reload your Card at anyparticipating Western Union Agent location in the United States. Direct Deposit yourpay check onto your Card and pay NO Monthly Account Maintenance Fee. That's asavings of $4.95 per month.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged None Yes Poor Credit OK
Western Union® Prepaid Visa® Card
  • No bank account or credit check required.
  • Carry money safely and conveniently.
  • Use to pay for a Western Union Money Transfer® transaction or Quick Collect bill pay online or by phone.
  • No monthly fees. Great for occasional use.
  • Use anywhere Visa debit cards are accepted; even online!

Western Union® Prepaid Visa®Card. No bank account or credit checkrequired. Use to pay for a Western Union Money Transfer® transactionor Quick Collect bill pay online or by phone. No monthly maintenance fees. Great for occasional use. Shop anywhere Visadebit cards are accepted.

GET $5 CASH BACK
When you pay for a Western Union money transfer® or make a billpayment using your Western Union Prepaid Visa Card by phone or internet.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged None Yes Poor Credit OK
Wired Plastic
  • New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide
  • No Bounced Check, NSF and Overdraft Charges EVER!
  • FREE Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
  • FREE Bill Pay Service - Pay Anyone Online or Over the Phone
  • FREE Credit Builder with Overdraft Protection
  • FREE Mobile & Email Alerts
  • FREE Direct Deposit - Eliminate Check Cashing Fees
  • Add Cash Instantly at 100,000 Retail Locations Nationwide

Wired Plastic is the most advanced Prepaid Debit card available. It offers flexible pricing plans, an innovative Rewards Program and several convenient card loading options including; Free Direct Deposit, Bank Transfers and Instant Cash Loading at over 100,000 retail locations nationwide. With its powerful account management tools, cardholders can; use Click-n-Pay™ to schedule recurring monthly bill payments including rent, car payment, and utilities or use PersonalPay™ to send a check to anyone or transfer money to another account online or over the phone 24/7. They offer FREE customer service, online access, and wireless alerts. Plus you never pay NSF, overdraft or bounced check fees! Wired Plastic helps make your life easier!

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None None None Yes Poor Credit OK
UPside Visa Prepaid Card
  • The smarter gift for ages 13-25, a prepaid Visa® card exclusively designed for families’ needs
  • Universal and reloadable, unlike merchants’ gift cards
  • An educational value that goes far beyond its monetary value
  • A teen’s first Visa® card, with no risk of incurring debt
  • Can be purchased by parents or other family members over the age of 18
  • Manage your child’s allowances or send money to a loved one.
  • You can open multiple cards for various family members.
  • You can share funds between UPside cards instantly and at no cost.
  • Check activity on cards and load funds online.
  • Money can be loaded from your checking free of charge!
  • You can also load funds through a simple phone call.
  • Funds loaded from your credit card are made available instantly on your card.

In today’s world, parents need to educate their child about financial responsibility. The UPside Visa® Prepaid Card has been designed for families’ needs with all the parental control features that a parent would expect, like online account management and email alerts. It is not a credit card, so your child will not incur any APR or debt. While the card is safer than cash, instant funding provides the peace of mind parents want for life’s little emergencies. With no overdraft allowance, teens and young adults learn how to manage their money and become responsible spenders as they are only able to spend the balance on the card.Parents can reload funds as they see fit with one-off loads or available allowance scheduling. And with no purchase fee or maintenance fee and with free value loads originating from a bank account ACH transfer, it has never been easier or cheaper for parents to give their children a necessary steppingstone to a successful financial future.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged None Optional Poor Credit OK
Credit Report Online Instantly
Credit Report Online Instantly
  • You Deserve To Know
    See the information lenders, dealers, and banks use to determine your rates
  • Professional Credit Monitoring
    Use our FREE TRIAL and see the impact of financial changes instantly. Get notified via email or online every time there is change in your credit.
  • Protect Your Identity
    Up to $20,000.00 in AIG Identity Theft Insurance to guard your standing against identity theft and fraud.
  • We're here to help!
    If you fall victim to identity theft, our vendor will work throughout the process, answering questions, contacting creditors and agencies on your behalf, and doing anything needed to fix this complex problem.
  • Apply Now!

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
Poor Credit OK
CreditReporting.com
CreditReporting.com

Why order your credit report?

  • It's Easy... it gives you one easy to read report with information supported by toll-free customer service.
  • It's Secure.... we employ the latest in security measures to ensure that your card number and personal information are protected.
  • It's Fast... as consumers, you can order your own personal 3 bureau credit report with several choices for ordering and delivery.
Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
Poor Credit OK
Equifax Credit Watch Gold
Equifax Credit Watch Gold
  • Instant online access to your credit report
  • Record of companies that have reviewed your credit file
  • Includes a confirmation number needed to use Equifax's free online dispute feature and fix errors quickly and simply
  • Access to our friendly and knowledgeable Customer Care 7 days a week
Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
Poor Credit OK
Millennium Advantage Pre-Paid MasterCard®
  • Use your card at over 900,000 ATMs and millions of locations worldwide!
  • No credit check or income verification required
  • No Chexsystem check
  • No minimal balance required!
  • Phone and On-line account access
  • Shop and pay bills on-line!

The Advantage is yours - apply for The Millennium Advantage Card TODAY! TheMillennium Advantage Card is a pre-paid MasterCard® that gives you theconvenience of paying bills on-line or over the telephone, makingon-line purchases and using your card wherever the debit MasterCard®brand is accepted.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% No Interest Charged No Yes No Credit History
Triple Advantage from Experian
Triple Advantage from Experian

FREE credit report and score with a FREE 30-day Experian Triple Advantage Monitoring trial. Check & dispute possible inaccuracies. Will not lower your score. Detect critical changes and potential identity fraud. Monitor your credit report to help catch ID fraud early.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
Poor Credit OK
BlueHippo® Financing For Computers
BlueHippo®

Wanta brand new computer, but your credit is less than perfect? No problem!BlueHippo guarantees your approval, and offers easy-to-manage weeklypayments.

Asseen on TV - Get your brand new, brand name computer now.  Here’s howit works. Instead of checking your credit, all BlueHippo asks is thatyou pay a small $99 activation fee and make thirteen weeks worth ofconsecutive layaway payments and then we can finance the balance ofyour purchase price, order and ship your computer to your home viaFedEx or UPS. It’s that simple!

Click to learn more about how you could receive the following free gifts:

  • 20” LCD Television
  • Color Printer

Why wait any longer? Order your brand new, brand name computer right now!

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
Poor Credit OK
Vision Premier Prepaid Visa® Card

  • 100% approval with no credit check
  • FREE unlimited purchase transactions
  • FREE Direct Deposit – no more check cashing fees
  • FREE Account Alerts – email and/or SMS text messages
  • Pay any bill: rent, cellular phone, insurance, utilities, etc.
  • Load cash at over 100,000 participating retail locations
  • Take Control – no late fees, no interest fees, no NSF fees
  • Withdraw cash at millions of ATM machines
  • Low Weekly Fee – less than a dollar a week ($.95) – or, FREE with Direct Deposit!

With the Vision Premier Prepaid Visa® Card, you can pay any bill: rent, cellular phone, insurance, utilities, etc., and you can load cash at over 100,000 participating retail locations.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None 0% None None Poor Credit OK
Allow Card of America
Allow Card of America

Kids ask for things 2400 times a year. How much are you actually giving your kids monthly? Give them their money on their Allow Card™ Prepaid MasterCard® and know exactly their spending habits.

The Allow Card is a personalized prepaid MasterCard® that offers your child a real sense of financial independence. Here are some reasons why the Allow Card is great for your family:

  • No more last minute, running-out-the-door-I-gotta-have-it-now requests.
  • Parents can reload the Allow Card once a day, once a week, once a month, whenever - 24 hours a day, seven days a week.
  • Parents have 24-hour access to account details so you'll know exactly where the money is going with the ability to monitor spending habits.
  • Parents have more than 35 Parental Controls to work in concert with your children about money matters.
  • NO OVERDRAFT FEE'S, NO LATE FEE'S, NO INTEREST FEE'S
  • Best yet, we've included a series of educational financial lessons as part of the Allow Card experience for Free
Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None None None One time $19.95 Poor Credit OK
PAYjr Visa Buxx Card . . . . . . . . . Teens 13 and Up . . . . . . . . . Design Your Own Card – Upload your favorite photo!

Teach your teen how to manage money with the PAYjr Visa Buxx Card.

Reasons a PAYjr Visa Buxx Card is right for your teen:

  • Hands on Financial Education
    Teach your teen how to manage their money responsibly
  • Parental Control and Monitoring
    Know where and how your teen is spending money
  • Convenient and Flexible
    Load money to the PAYjr Visa Buxx Card right from your bank account
  • Peace of Mind
    Funds are FDIC insured and a prepaid card is safer than cash
  • Cost
    The PAYjr Visa Buxx Card is cheaper than other teen programs and even costs less than free teen checking accounts when you consider NSF and other fees
Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None None None $4.95 Activation Fee No Credit History
PAYjr Chore & Allowance . . . . For Kids 12 and under. . . . Enroll for Free

This is an awesome tool for parents to help manage the age old activity of chore charts and allowances for your kids. Best of all it’s free.

The Chore & Allowance system provides free financial education.

  • The system allows both you and your child to review chores through the web site
  • Printable chore chart and online calendars help you and your children manage chores and rewards
  • Ongoing "Balance Owed" is tracked by the system.

Kids can track their chores and be rewarded for completing them. Teach your child the value of hard work and allow them to clearly see the connection between doing their chores and financial reward.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None None None None No Credit History
Upside Visa Card For Adults 18-25 Years Old
Upside Visa® Card (Adult)
  • Reloadable prepaid Visa® card for 18-25 year olds.
  • No activation fee, no monthly or yearly fee.
  • Great solution for a debt-free financial future as it has no APR or overdraft allowance.
  • Quick, easy online application.
  • Free money loading with direct deposit from friends, family and employers.
  • Free and instant card-to-card transfer, perfect for IOUs, birthdays, holidays, etc.
  • Accepted anywhere Visa debit cards are accepted, including abroad and online.
Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
None None None None None No Credit History
Lexington Law

Improve your credit by repairing your credit reports legally and affordably with Lexington Law™, the most trusted provider of credit repair solutions in America.

Helping 300,000 clients improve their credit since 1991 has afforded us ample opportunity to refine our credit repair services, and to deliver superior solutions with remarkable results at the lowest possible cost to our clients.

Intro APR Intro Period Regular APR Balance Transfer Annual Fee Credit Needed
No Credit History
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