Prepaid Credit Cards and Debit Cards

Prepaid credit cards can make life easier for people who don't qualify for a regular credit card. It's unfortunate that in today's world, you often need a credit card to book a flight, make a hotel reservation, or rent a car. To make matters even worse, a credit card is often required for most online purchases. But, that doesn't mean that there isn't another option.

A prepaid card can give you many of the advantages of a regular credit card, without having to worry about interest rates. To get started with this type of card, you will be required to deposit either cash or your paycheck to open an account and load the card. You will then be issued a card that can be used generally anywhere a regular credit card is accepted. When you make a purchase, the charge is deducted from the money that is loaded into your account. Once you use up the initial deposit, you can't spend any more until you make another deposit. Basically, it's like using a debit card that is tied to your checking account.

Are there drawbacks to a prepaid card? Well, most programs require an account setup fee, in addition to ATM withdrawal fees and deposit fees. This is why it is always a good idea to read the terms and conditions before you apply for any card. While there is a cost involved with using this type of card, you don't have to worry about over-spending on your budget, because you can only spend up to the amount that you have deposited into your account.

Below, you will find some of the best prepaid credit cards, classified by specific use or type:

Debit Visa Card
Apply Now!	Upside Visa® Debt-free Prepaid Card A Visa® Prepaid Card For a Better Financial Future Cheaper than other prepaid cards. Save up to $185 just for the first year! No activation fee, no annual fee, no maintenance fee. None of these ridiculous “convenience” fees on any purchase! Easy to enroll online with no credit check. Bad credit? It’s ok. Receive funds from employers directly onto the card, as if it was a checking account Accepted wherever Visa debit cards are accepted. Try it now!
Prepaid Reloadable Mastercard
Apply Now!	AccountNow™ Vantage Debit MasterCard® Build your credit with the new iAdvance loan option(SM) 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 Reloadable - $10,000 balance limit Apply Now!
Reloadable Debit Card
Apply Now!	READYdebit™ Card NOW WITH CREDIT BUILDER – FOR FREE! ALWAYS GREAT CUSTOMER SERVICE! 100% Guaranteed Approval* - No Credit Checks No Overdraft Fees or Balance Minimums FREE Unlimited Purchase Transactions FREE Direct Deposit FREE Online Bill Payment & Check Writing Reloadable up to $10,000 Max Balance Choose Your Card Color - Blue, Black or Pink! Apply Now!
Prepaid Debit Cards
Apply Now!	Baby Phat Prepaid Visa® RushCard Show your style with the BabyPhat RushCard NO monthly, NO annual fees and NO hidden fees Quick and easy! Everyone is eligible! NO credit check FREE direct deposit of pay, tax refund, and government benefits Access your money at over 850,000 ATMS Free 24x7 customer service, activity status, & balance inquiries Use anywhere Visa debit cards are accepted-in stores, on the internet, and over the phone Helps control debt-you can't overspend!
Reloadable Credit Cards
Apply Now!	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
Prepaid Credit Cards For Teens and Young Adults
Apply Now!	UPside Visa® Prepaid Card 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.

You can also check out other cards designed for people who don't qualify for a standard credit card by clicking on the links below:

Secured Credit Cards - These cards offer good terms and can help rebuild your credit.
Bad Credit Credit Cards - These cards offer options if you have less than perfect credit.
Prepaid Credit Cards - These cards are for children and teens to teach financial responsibility.

Prepaid Credit Cards and Debit Cards

Types Of Cards

Cards By Bank

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