Prepaid & Debit Cards
Prepaid cards help consumers control their spending by allowing you to spend only the amount you have already deposited into your account. Our objective opinion is included on each card.
2. All-Access® Visa® 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: Created for those who may not be able to get an unsecured card. Cardholder must make payments in advance. Can make payment by check, balance transfer, debit or credit card transfer, or PayPal. No monthly fee with the pay per transaction plan, but there is a fee for each purchase made with the card. If you will regularly use the card, the Fee Advantage program charges a monthly fee, but cardholders can make unlimited purchases. Fee Advantage is a good option if you will use the card 5-10 times per month. The application fee is low compared to most prepaid cards. This card also offers overdraft protection and no liability for unauthorized transactions.
4. 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.
5. Eufora™ Elite Credit Builder Prepaid MasterCard®
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| Interest Rate: | n/app |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/app |
| Credit Limit: | up to $5,000 |
| Annual Fee: | $99.95 |
Our Opinion: This prepaid card offers cash rewards for referring new applicants. Earn $90 per year if your referral receives a card at the Elite level and maintains their account. Receive $50 per year for applicants to the Eufora Preferred card and $20 per year for a referral at the Associate level. There are no application, reload or participation fees. Annual fee is $99.95. Your first deposit can be $5-$5000, setting the limit on your card. $5,000 maximum in account. Additional cards available for $9.95 per card. Benefits include insurance for auto rental, travel accident insurance (up to $100,000) and purchase protection. If you are using this to repair your credit, Eufora's "Credit Builder" service will report to credit bureaus for $6.65 per month. The processing fee is $19.95. Total cost for Credit Builder is $79.80 per year (up to 2 years).This prepaid card offers cash rewards for referring new applicants. Earn $50 per year if your referral receives a card at the Elite level and maintains their account. Receive $20 for a referral at the Associate level. They also offer a monthly drawing for 25 cars- you will receive 1 entry per $100 spent. There are no application, reload or participation fees. Annual fee is $59.95. Your first deposit can be $10-$300, setting the limit on your card. $5,000 maximum in account. Additional cards available for $9.95 per card. Benefits include insurance for auto rental, travel accident insurance (up to $200,000) and purchase protection. If you are using this to repair your credit, Eufora's "Credit Builder" service will report to credit bureaus for $6.65 per month. The processing fee is $19.95. Total cost for Credit Builder is $79.80 per year (up to 2 years).
6. Wired Plastic™ Prepaid Visa® Card
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| Interest Rate: | n/app |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/app |
| Credit Limit: | n/a |
| Annual Fee: | None |
Our Opinion: Pre-paid card with no annual fee. Applicaion fee is $9.95; monthly fee is $3.95 (fees total $57.35 in 1st year). Minimum load is $10. Card offers direct deposit and a rewards program. Earn 1 point per $1 spent on purchases. Earn unlimited points; points do not expire. Points earned may be used for music downloads, ring tones, calling cards and prepaid wireless service. Employment verification and credit checks are not required for this card.
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.
9. Prepaid Visa® RushCard™
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| Interest Rate: | n/app |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/app |
| Credit Limit: | up to $9,999 |
| Annual Fee: | None |
Our Opinion: Created for those who may not be able to get an unsecured card. One of the few prepaid cards that offers shopping discounts at participating retailers. The activation fee is $19.95, but there is no participation fee. There is a $1 transaction fee per purchases (max. is $10 per month). Issuer does not charge a reload fee, but some banks and merchants may add a fee. No cost for transferring funds from PayPal. This card does not report transactions to credit bureaus, so this card will not help you build your credit score.