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 Visa®
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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. 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. 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.
4. 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: If you want Direct Deposit, the Vision Premier® Prepaid Visa® Card is for you. Say goodbye to check-cashing fees, and get your paycheck or benefits check faster on payday. Never wait in line again to cash your check and stop paying check-cashing fees. Enjoy no credit check, no debt, no interest, and no overdraft fees. This card offers free Direct Deposit, so you can get paychecks, benefits and tax refunds faster. Other benefits include free customer service and free unlimited purchases ? signature and PIN.
5. 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) and access to a free credit builder service, which reports bill payment information to a national credit reporting agency. Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases, do not mind paying upfront fees, and would like the opportunity to participate in the credit builder service 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. iAdvance is an open end line of credit offered by MetaBank, a federally chartered savings association located in Sioux Falls, S.D. certain fees and eligibility requirements apply. Consult the iAdvance Terms and Conditions for further details. *Subject to ID verification. Cardholders must complete a separate application for iAdvance Line of Credit. Certain fees and eligibility requirements apply.
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: | n/app |
| 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. NetSpend® Visa® Prepaid Debit 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 NetSpend® Visa® Prepaid Debit Card provides 100% approval with no credit check required. There are two pricing plans available with this prepaid card to fit your specific needs, the Pay-As-You-Go plan and the Fee Advantage plan. Setting up direct deposits from your employer to your card account is free, or you can make free account-to-account transfers via the Internet to load funds to your card. You can add up to $10,000 to your account, and your funds are held in an exclusive 5% APY savings account. You'll also be able to borrow money and build credit with the iAdvance line of credit, plus there are absolutely no overdraft fees or minimum balance requirements. Sign up for the NetSpend® Visa® Prepaid Debit Card today to get instant approval with no credit checks.
9. 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.
10. 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: Get a free Mango™ Prepaid Debit Card that is enabled with YAP 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 card to avoid the monthly fee. If you load less than $500 a month, there is a monthly fee of $5. The Mango™ Prepaid Debit 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 Mango™ Prepaid Debit Card, and experience the power of mobile payments with YAP.
