1. AccountNow™ Vantage Prepaid Visa® 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™ Vantage Prepaid Visa® Card, issued by Palm Desert National Bank, 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 bank 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 Green Dot® Money Pak. It is important to note that there are some fees associated with this card that include an activation fee of $9.95 (waived with direct deposit loads) and a monthly participation fee of $9.95, which amounts to $119.40 annually. There are no additional transaction fees 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™ Vantage Prepaid Visa® Card to be a beneficial option. This card offers cardholders their choice of three unique plans, which differ in terms of the fees and the services 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 plus plan).

2. Alaska Airlines Visa® Signature® Credit Card

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Interest Rate:	APR Varies*
Intro Rate:	No Introductory Rate Available
Grace Period:	20 Days (Min.)
Credit Limit:	See Important Notations
Annual Fee:	$75

Our Opinion: Created for those who frequently fly on Alaska Airlines or Horizon Air. Earn 1 mile per $1 spent on general purchases; 2 miles per $1 spent on Alaska Airlines and Horizon air tickets. Earn up to 5 miles per $1 spent at participating restaurants. Receive 5,000 miles with account approval, 2,000 miles with each annual renewal and 1,000 miles for applying online. No maximum limit for miles earned. Benefits include auto rental insurance, $1,000,000 in travel accident insurance, extended warranty protection services, various travel and emergency assistance services,and an annual $50 round-trip companion ticket (see website for additional benefits offered).

3. 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.

6. Baby Phat 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: The Baby Phat Prepaid Visa® RushCard™, issued by Manufacturers and Traders Trust Company, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card. The card does offer shopping discounts at participating retailers, which is rare for a stored value card, as this type of card usually does not offer any extraordinary benefits or services to cardholders. There is no interest applied on the account or other similar charges found with most unsecured cards. Although there is a one-time activation fee of $19.95, there is no monthly participation fee. It is important to note that the card does require payment in advance, which is then used to offset future purchases made with the card. There is a $1 transaction fee that is charged for each purchase made with the card (capped at $10 per month - additional purchases are free). The issuer charges no reload fees. Direct deposits, pay pal transfers and mailing in a check or money order are free. However, affiliated merchants do charge a flat fee for retail reloads. One of the most unique features of the Baby Phat Prepaid Visa® RushCard™ is the refer-a-friend program. The card offers cardholders the chance to earn money by referring friends and family to the program. Cardholders will receive $5 on their card for every referred applicant who becomes an active RushCard™ member. Another unique feature of the Baby Phat Prepaid Visa® RushCard™ is the Cash Back Rewards program. Transaction fees that are incured past the $10 cap per month are deposited back onto the cardholder's Baby Phat Prepaid Visa® RushCard™ on the 15th of every month. Unfortunately, this card does not report cardholder transactions to the credit bureaus, which is not ideal for those who are trying to establish credit. Therefore, those who are looking for a low cost stored value card, would like to earn cash back rewards, and would like to receive shopping discounts at participating retailers will benefit most from what the Baby Phat Prepaid Visa® RushCard™ has to offer.

7. Bank of America Visa Signature® WorldPoints™ Reward

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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 general purchases. Redeem for cash rebates, gift certificates or travel rewards. Earn unlimited points each year; points expire in 5 years. 25,000 points for a round-trip airline ticket. 5,000 points for $25 cash. 3% foreign transaction fee. Low fixed rate and intro period make this a good choice for balance transfers. Balance transfer fee is 3%, $10 minimum.

8. Bank of America WorldPoints™ Platinum Plus® Visa® 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 will take advantage of the reward program. Earn 1 point per $1 spent on qualifying purchases. Redeem points for cash, travel, merchandise, and dining certificates. Earn unlimited points each year; unused points expire within 5 years.

9. Bank of America® Platinum Plus® Visa® Card

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Interest Rate:	APR Varies*
Intro Rate:	0% APR for 12 Billing Cycles
Grace Period:	20 Days (Min.)
Credit Limit:	up to $25,000
Annual Fee:	None

Special Offers: The introductory rate applies to the first twelve billing cycles. The introductory rate also applies to cash advance checks.

Our Opinion: Created for those with very good credit. Reasonable interest rate. Intro period is only 6 months for purchases, balance transfers, and cash advance checks.