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Prepaid Debit Cards

A prepaid credit card is, in fact, not a credit card at all BUT rather a prepaid debit card that is used just like a credit card. One of the primary advantages of prepaid debit cards is no finance charges, helping you avoid debt by actually paying for purchases beforehand.

With prepaid debit cards, the card holder (you) determines the actual credit line that can be used by pre-loading the card with cash up front. As such, your credit line will depend on how much money you transfer to the card. Since you aren't borrowing money in the first place, there is little, if any, risk of running up credit card debt, which is one of the primary benefits of these type of cards.

So search, compare and apply for one of our top prepaid cards today. We have listed a variety of all the very best prepaid debit cards or prepaid credit card offers available below.

Editor’s Pick
BuyRIGHT Pre-Paid MasterCard®
BuyRIGHT Pre-Paid MasterCard Apply Now
  • 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!
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
N/A*
$7.95* (Monthly)
N/A*
No Credit Check*

Editor's Review: The BuyRIGHT Pre-Paid MasterCard® from MetaBank, is considered a stored value card and is built for those looking for an attractive rewards program on a prepaid card ...more info

NetSpend® Prepaid MasterCard®
NetSpend Prepaid MasterCard Apply Now
  • Easiest and most convenient card available on the market today
  • Access nearly everywhere at over 100,000 locations
  • With anytime alerts text messages, you can always know how much money you have on your card
  • *See program rules for details
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
N/A*
$5.00 Monthly Fee
N/A*
No Credit Check*

Editor's Review: With the NetSpend Prepaid MasterCard, there are no credit bureau checks, no minimum balances to pay and no finance charges. ...more info

AccountNow® Prepaid Visa® Card
AccountNow Prepaid Visa Apply Now
  • $0 ACTIVATION FEE - when you load your card by direct deposit
  • NEW! Now with the iAdvance℠ loan option, no credit check needed.
  • 100% Guaranteed Approval*
  • FREE Online Check Writing
  • FREE Credit Builder
  • FREE Direct Deposit
  • NO Overdraft Fees or Minimum Balance Required
  • Re-loadable with a $10,000 balance limit
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
N/A*
$4.95 Monthly Fee*
N/A*
Bad Credit OK*

Editor's Review: If you're interested in obtaining a prepaid card that will help make it easier for you to create and follow a budget, you may be interested in the AccountNow® Prepaid Visa® card. The AccountNow® Prepaid card allows you to choose from two different plans, allowing you to select the plan that best suits your individual financial needs. ...more info

READYdebit® Visa Prepaid Card
READYdebit Visa Prepaid Apply Now
  • Instant Account Number
  • Free Credit Score
  • Free Direct Deposit - paycheck, benefits, tax refunds
  • Free Unlimited Purchase Transactions.
  • Free Online Bill Payment & Check Writing
  • No Overdraft Fees or Balance Minimums
  • 100% Guaranteed Approval* - No Credit Checks
  • Choose Your Card Color - Blue or Pink
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
N/A*
$9.95 Monthly Fee
N/A*
No Credit Check*

Editor's Review: As a prepaid debit card, the READYdebit Card allows card holders to load funds onto the card ahead of time, easily keep track of their money without concern for getting into more debt or damaging their credit further. ...more info

Vision Premier Prepaid Visa Card
Vision Premier Prepaid Visa Apply Now
  • No credit check required - 100% Approval
  • Simple Pricing - Only 3 Fees with Direct Deposit
  • No overdraft fees, interest fees or hidden fees
  • Free Direct Deposit
  • Free Online Bill Pay
  • Free transactions and customer service*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
N/A*
$0.95 weekly or free w/ direct deposit*
N/A*
Bad Credit OK*

Editor's Review: If you don't currently have credit cards, or find it difficult to obtain either a secured or unsecured credit card at this time, the Vision Premier Prepaid Visa® Card gives you another purchasing option. You can't use cash to make payments online or by phone, and most car rental companies, hotels and airlines require a credit card to secure your reservations. If you're in need of another option for making these types of purchases as well as at retail establishments, the Vision Premier Prepaid Visa® Card is an alternative payment option. Approval for the prepaid visa card requires an identification check. ...more info

Wired Plastic + Rewards Stored Value MasterCard®
Wired Plastic Rewards Apply Now
  • Get Approved Online Instantly*
  • Direct Deposit is Include Free*
  • Pay All Your Bills with "Click-n-Pay" Service (Rent, Car, Utility)*
  • Employment Verification or Bank Account Not Required* 
  • Earn 1 Reward "Wired" Point for Each $1 You Spend*
  • Redeem Your "Wired" Points for Music Downloads, Calling Cards or for PrePaid Wireless*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
N/A*
N/A*
N/A*
Bad Credit OK*

Editor's Review: The Wired Plastic Prepaid Visa Card is a prepaid debit card issued by BANKFIRST.  This prepaid credit card is ideal for those who have difficulty getting an unsecured credit card ...more info

Prepaid Debit Card - Reviews

Nobody will be able to tell that you're using a prepaid card from the way it appears or how it actually works.  These cards function exactly like a regular or unsecured credit card and can be used anywhere Visa or MasterCard are accepted.

While most debit cards or prepaid credit cards do not charge finance fees, many of these cards are "fee-based" so some of the cards can wind up being costly. Other fees that may apply with prepaid cards include monthly fees, startup or application fees, over limit fees, ATM fees and more. But for those who are looking to avoid credit card debt and expensive finance charges from traditional credit cards will find that prepaid cards are a viable option.

At CreditCardAssist.com, we have provided a broad selection of free information, articles, guides and tips on prepaid cards that you can utilize when researching the various card types and card products that are available in the marketplace.

As always though, we strongly recommend that you be sure to thoroughly look over the terms and conditions of any card that you decide on before applying for it.

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Looking for more articles and free information on prepaid debit cards? We've provided more articles, tips, advice and resources on prepaid debit card offers below:
  • Closer Look at the Eufora Prepaid Card - Eufora has earned a reputation as one of the pioneers in the prepaid credit card industry. Not surprisingly, the Eufora Prepaid Credit Card won the Top Rated Card for 2003 by Card Ratings.com only two years after it was introduced into the market. One of the main reasons the card won the prize was the fact that it offered three different types of benefits...
  • Hints for Building a Credit History - One of the most difficult things to create when it comes to personal finance is a credit history. Even more importantly, it can be somewhat challenging for some people to build a reputable credit history. So, how can you go about achieving this goal? A good first step to start building credit might be...