1. AccountNow® Vantage Prepaid MasterCard®

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Interest Rate:	n/app
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	up to $10,000
Annual Fee:	None

Our Opinion: Pre-paid card that does not require a banking account, but does require advance payments. The processing fee is $19.95. The monthly fee is $4.95 ($59.40 per year). $.50 transaction fee for each purchase with the card. However, there is a free bill pay service for the first 7 transactions each month. $2 U.S. ATM transaction fee (1 free cash withdrawal per month). One of the best features is access to a free credit builder service; this reports bill payment info to a national credit reporting agency, which can help build your credit score.

2. All-Access® MasterCard® Prepaid Card

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Interest Rate:	n/app
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	up to $10,000
Annual Fee:	None

Our Opinion: The All-Access® MasterCard® Prepaid Card, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card. This card requires the cardholder to make payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by account-to-account transfers via the Internet, the toll free number, or a live agent. Cardholders can also load the card through in-person retail transfers. Cardholders will have the option of choosing between the pay per transaction plan and the FeeAdvantage™ plan. The pay per transaction plan has no monthly fee, but there is a fee charged every time the cardholder makes a purchase. On the other hand, the FeeAdvantage™ plan allows cardholders to make unlimited signature and PIN purchases for a monthly fee. Depending on whether the cardholder makes signature or PIN purchases more, the FeeAdvantage™ plan may be a better option for those who plan to make more than five to ten purchases per month. This card has no account opening fee. This card offers additional services and benefits, including free wireless alerts for account information, no liability for unauthorized transactions, overdraft protection, and integrated bill payment. Cardholders will also be able to participate in the referral program that rewards them with $5 for each activated card that they refer. Therefore, those who are looking for a card where they can pay in advance for purchases, would like a card with limited fees, and plan to take advantage of the various benefits and services may find the All-Access® MasterCard® Prepaid Card to be a beneficial option.

3. American DreamCard™ Platinum MasterCard®

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Interest Rate:	14.99%
Intro Rate:	No Introductory Rate Available
Grace Period:	20 Days (Min.)
Credit Limit:	up to $25,000
Annual Fee:	None

Our Opinion: Created for those with good credit who want participate in the monthly $25,000 cash sweepstakes offer. Receive 1 entry per $1 spent on purchases (up to 1,000 entries per transaction). Also receive 1 entry per $1 for balance transfers or cash advances. Receive 1,000 entries for applying for the card. The intro APR is smaller than average and there are no additional benefits with this card.

4. Bank of America® Cash Rewards Platinum Plus® MasterCard® Credit Card

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Interest Rate:	9.99% / 15.99%
Intro Rate:	0% APR for 12 Billing Cycles
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks.

Our Opinion: Created for those with good credit who want a cash back reward card. Earn 1% per $1 spent on qualified purchases. Earn $25 statement credit for each $2,500 you spend. Must call and request the rebate. Earn unlimited rebates; unclaimed rebates expire after 5 years. Your APR for balance transfers and purchases will vary based on your credit history; it will either be 7.9% or 13.99%.

5. Bank of America World MasterCard® with WorldPoints™

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Interest Rate:	9.99% / 15.99%
Intro Rate:	0% APR for 12 Billing Cycles
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks.

Our Opinion: Created for those with excellent credit who will take advantage of the reward program. Earn 1 point per $1 spent on qualifying purchases. Redeem points for cash, travel, merchandise, etc. Earn unlimited points each year. 25,000 points for a round-trip airline ticket. 5,000 points for $25 cash. 3% foreign transaction fee.

6. Bank of America WorldPoints® Platinum Plus™ MasterCard® Credit Card

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Interest Rate:	9.99% / 15.99%
Intro Rate:	0% APR for 12 Billing Cycles
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks.

Our Opinion: Created for those with very good credit who want a reward program. Good intro rate and low fixed rate make this a good choice for balance transfers. Earn 1 point per $1 spent on qualifying purchases. Redeem points for cash, travel, merchandise, etc. Earn unlimited points. Points expire within 5 years.

7. BuyRIGHT Pre-Paid MasterCard®

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Interest Rate:	n/app
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	up to $2,500
Annual Fee:	None

Our Opinion: Requires first load of $20. There is no fee to load the card with direct depost. You will pay a fee with other types of funding. Fees include: $29.95 set-up fee, choose betwee a $7.95 monthly fee or $1 per transaction fee (choose the monthly fee if you make over 8 transactions each month). They also offer a free BuyRight Membership. This gives you access to a pre-approved $5,000 line of credit that you can only use on purchases at the BuyRIGHT Marketplace; this is not connected to the BuyRIGHT prepaid card. The BuyRIGHT awards program offers 1 point per $1 on purchases. Earn unlimited points; points do not expire.

8. Chase PerfectCard™ MasterCard®

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Interest Rate:	10.99%
Intro Rate:	0% APR for up to 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: Depending on the applicant's credit history, the introductory period will be either 6 months for purchases and balance transfers or 3 months for balance transfers only.

Our Opinion: This card has a high APR, so it is a good choice only if you pay your balance off each month. It gives rebates on gas purchased at any gas station, not just a specific brand. 6% rebate on all purchases made at any gas station for the first 90 days. After that, you will earn a 3% rebate on all gas purchases (maximum monthly rebate on net purchases that earn the 3% rebate is $15). 1% rebate on all other purchases. Rebates are automatically credited toward any future purchase made with the card. 3% balance transfer fee ($5 minimum, $99 maximum).

9. Chase Platinum MasterCard®

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Interest Rate:	10.99%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: This Chase credit card has one of best intro rates on purchases and balance transfers for those with very good credit. However, there is a 3% balance transfer fee; it will not be less than $5 or more than $75. If you have average credit and qualify for the standard pricing, the intro period is only 3 months. The card has a reasonable interest rate and no annual fee. Earn 1 point per $1 spent. Rewards include cash back, travel, merchandise, and gift cards. Earn up to 60,000 points per year. Individuals who have a banking account with Chase will also be considered for a lower APR (1% less than those who do not). The card does have a high APR for cash advances. 3% international transaction fee. Benefits include insurance for auto rental, travel accident insurance, and a year-end summary of transactions.

10. Citi CashReturns(SM) MasterCard®

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Interest Rate:	As low as 9.99%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: Created for those with very good credit who will transfer a balance and use the cashback rewards. Earn 1% cashback on purchases and cash advances. One of the few cards that offers rewards for balance transfers. Earn 5 CitiDollars for each balance transfer transaction of $1,500 or more. Checks are issued on $50 increments. Benefits include auto rental insurance, travel and emergency assistance.