Prepaid Debit Cards
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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 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.

We have listed a variety of all the very best prepaid debit cards available below.

Editor’s Pick
BuyRight PrePaid MasterCard®
  • Get access to your money up to 2 days faster* with Free Direct Deposit
  • New — Choose your card design at no cost
  • Guaranteed Rewards - Earn when you spend for Prepaid Cell Minutes, iTunes, RedBox, Starbucks and More**
  • Online Billpay - pay bills, rent, or write personal checks
  • No credit check, No bounced check fees, No overdraft fees - Ever!
  • Travel in style - Rent cars, reserve hotels, shop online safely.
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
$7.95* (Monthly)
N/A*
No Credit Check*

Editor's Review: The BuyRight Prepaid 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

AccountNow® Prepaid Visa® Card
Apply Now
  • Get paid up to 2 days faster with Free Direct Deposit † – get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • $10,000 balance limit. Your alternative to a traditional bank account. Deposits are FDIC insured.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
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 - No Credit Check.
  • Free† Direct Deposit - paycheck, benefits, tax refunds
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Overdraft Fees or Balance Minimums
  • Withdraw cash at ATMs or get cash back with purchases
  • Free Credit ScoreTracker1
  • Choose Your Card Color - Blue or Pink
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
N/A
N/A
$9.95 monthly fee
N/A*
No Credit Check*

Editor's Review: 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
Apply Now
  • New - Free Roadside Assistance
  • New - Free Savings Account with 5.65% APY
  • 1% Cash Back on Gas Purchases
  • Free Direct Deposit so you can get paid faster
  • Free Bill Pay online or over the phone
  • Free Transactions and Customer Service
  • No Overdraft Fees, No Interest Fees, and No Hidden Fees
  • No Credit Check - 100% Approval
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
N/A
N/A
$7.95 monthly fee
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® Visa® Prepaid Card - Simple & Fair gives you another purchasing option. ...more info

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 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 debt and expensive finance charges from traditional 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 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 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 card won the Top Rated Card for 2003 from...
  • 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...