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.
1. AccountNow® 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: The AccountNow® Prepaid MasterCard®, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card. Although the card does not require a banking account to be opened, it does require 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 wiring money from an established bank account or through MoneyGram® ExpressPayment®. It is important to note that there are some fees associated with this card that include an account set up fee of $9.95 (waived with direct deposit loads) and a monthly participation fee of $9.95, which amounts to $119.40 annually. There is no additional charge for U.S. purchases. So, in the first year alone, a cardholder can expect to pay a minimum total of $129.35 in fees. It is common for stored value cards to lack benefits; however, this card does offer a free bill pay service (for the first seven transactions each month). Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases and do not mind paying upfront fees will find the AccountNow® Prepaid MasterCard® to be a beneficial option. This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan). AccountNow Prepaid MasterCard is issued by MetaBank pursuant to license by MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
2. 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.
3. YAP™ MasterCard Prepaid 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: Enroll in YAP today and get a free YAP™ MasterCard Prepaid Card that allows you to access your money from anywhere at anytime. You can use your prepaid debit card anywhere MasterCard is accepted, and you can even send money within the U.S. from your mobile phone. There are no activation charges, no overdraft fees, no credit checks, and no bank account is required, plus your funds are fully FDIC-insured. Just load at least $500 per month onto your YAP Card to get YAP Service for free. If you load less than $500 a month, there is a monthly fee of $5. The YAP™ MasterCard Prepaid Card is safer than cash, and you can access cash at ATMs worldwide or make instant money transfers from your mobile phone. There are many easy and convenient ways to reload your card, and loading your account through direct deposit is free. You can also transfer money from your bank account or at thousands of retail reload locations. You can manage your account online, or manage YAP features using your mobile phone. Access your money with the YAP™ MasterCard Prepaid Card, and experience the power of mobile payments with YAP.
4. 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.
5. Vision Premier® 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: The Vision Premier® Prepaid Visa® Card is a prepaid Visa debit card issued by the Bancorp Bank. It's not a bank account, or a credit card - it is however, a way to set yourself free from costly interest charges and overdraft fees. To start with, there is no embarrassing credit check required to obtain a Vision Premier® Prepaid Visa® Card. All you have to do is fill out the easy online form - after a simple verification of your identity (required by law) you will be mailed you very own Visa prepaid debit card. The Vision Premier® Prepaid Visa® Card gives you perks, privileges and rewards that are virtually never found on prepaid debit cards: you'll earn 1% cash back on gasoline purchases - a rebate which is added directly onto your Vision Premier® Prepaid Visa® Card balance. Plus, you'll receive FREE roadside assistance as long as your card remains active each month. Some prepaid debit cards charge a fee when you use them to make purchases. With the Vision Premier® Prepaid Visa® Card, you can make unlimited signature as well as pin authorized purchases - and it won't cost you any more than the price of whatever you're buying. The Vision Premier® Prepaid Visa® Card the perfect way to receive your paycheck, government benefits, or even your tax returns quickly. You'll also receive a FREE savings account with the Bancorp Bank. This savings account helps you build for the future and offers an excellent 5.65% APY on your savings account balance! Because you can only use the money that you've loaded onto your card, you'll never find yourself paying interest on an outstanding balance month after month. But you WILL enjoy many of the perks of having a bank account ? including FREE direct deposit! All these excellent features and more make the Vision Premier® Prepaid Visa® Card an excellent choice for anyone looking to break free of the vicious cycle of credit card interest charges or checking account debit fees. With incredible perks like cash back on gasoline purchases, FREE roadside assistance, a FREE savings account and no credit check required, there's nothing stopping you - apply today!
6. Vision Silver(SM) Prepaid MasterCard®
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| Interest Rate: | n/app* |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/app |
| Credit Limit: | up to $1,000 |
| Annual Fee: | None |
Our Opinion: The Vision Silver(SM) Prepaid MasterCard®, issued by MetaBank, is ideal for people who are finding it difficult to obtain either a secured or an unsecured credit card. Applicants will not have to go through a credit check because approval is guaranteed. With this prepaid card, cardholders fund their own credit lines, which eliminates the risk of owing creditors. As with most prepaid cards, this card has several fees associated with usage*. To start, cardholders will be charged an activation fee of $9.95. Every month thereafter, they will be charged $3.95 monthly. For the first year, cardholders can expect to pay $57.35 for these two fees combined. There is also a $25 shortage fee, which cardholders are charged whenever their accounts go into negative territory. Additional fees apply with ATM usage, PIN transactions, and cash advances. Please review the issuer's website for further details on all fees. While this card may come with many fees, it also has a number of free features available to all cardholders. These free features include unlimited signature transactions, online access to statements, e-mail and text message alerts, and automated customer service. The Vision Silver(SM) Prepaid MasterCard® is a good option for people who want to make electronic transactions but who don't want, or can't get, a traditional credit card. *See terms and conditions for complete details.
7. Platinum Zero® Secured Visa® Credit Card from Applied Bank®
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| Interest Rate: | 0%* |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | None |
| Credit Limit: | up to $5,000 |
| Annual Fee: | None |
Our Opinion: The Platinum Zero® Secured Visa® Credit Card from Applied Bank® is a secured card. This card is designed for those with limited or poor credit history. The major benefit of this card is that there is a 0% APR on purchases. Also, unlike most secured credit cards, this card provides additional services and benefits, including online account access and various fraud protection services. A downside is that this card does not pay interest to the deposit amount, which sets it apart from other secured cards that do. Those who do not mind accumulating finance charges once a transaction is posted will benefit most from the very low rate that the Platinum Zero® Secured Visa® Credit Card from Applied Bank® has to offer.
8. Mango™ Prepaid Debit 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: The Mango™ Prepaid Debit Card, issued by Horizon Bank, comes with hardly any fees, including no shipping and handling charges. No credit check is required either! You can also sign up for your own Mango Savings account and earn high interest rates whether or not you enroll in direct deposit. However, enjoy the added bonus of receiving $20 when you sign up for direct deposit within the first 90 days of account activation. This bonus will be credited to your account on your second direct deposit. Plus, you can receive a $5 credit when you deposit $500 or more per month. The Mango™ Prepaid Debit Card allows you to earn high interest rates on your Mango Savings account with a greater percentage (6.00% APY) for those enrolled in direct deposit. There is no monthly maintenance fee to preserve your FDIC insured savings account. Activate your online account and shop using your instant virtual card. Pay your bills online in a matter of minutes, and receive wireless alerts every time your card is swiped at a retail location. You also won't be charged a fee for checking your balance via a text message. Enjoy no additional fees for any domestic purchases, signature transactions, card activation, and card to card online transfer fee. The Mango™ Prepaid Debit Card eliminates various unnecessary charges so you can get more out of your money and debit card use. The Mango™ Prepaid Debit Card is your simple, no-nonsense card that makes it easy to pay your bills. Featuring a $20 bonus for direct deposit enrollment and a $5 credit when you deposit $500 or more per month, you don't have to think twice about signing up for the Mango™ Prepaid Debit Card.
10. AccountNow Gold 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: The AccountNow Gold Visa® Prepaid Card, issued by MetaBank, is a prepaid debit Visa card that makes it easier and faster to access your money - without the need of a bank account. With Direct Deposit capability, you'll never have to wait in line at a check cashing store again! Consumers who may have difficulty obtaining a regular bank checking account or a secured credit card may find this an excellent, safer alternative to carrying cash all the time. The AccountNow Gold Visa® Prepaid Card doesn't require a credit check, and also offers cardholders free direct deposit. Furthermore, a $25 bonus is yours with your first two direct deposits of $500 or more within 6 months of opening the account. If you deposit more than $2,500 in a month on your card, you don't have to pay a service charge. ATM fees can also be eliminated if you simply ask for cash back from a merchant location when making a purchase. The card, which has Visa debit Gold card privileges, is good anywhere Visa debit cards are accepted cardholders aren't forced to carry a minimum balance. Free online bill pay and free mobile text alerts is also available to help you manage your account. Members of the card are also free from bouncing checks or accumulating late or overdraft fees. Having the AccountNow Gold Visa® Prepaid Card and using all of its features may help build your credit history and after the last few years of economic uncertainty - who couldn't use a little bit of polishing of their credit?
