Prepaid Credit Cards





Want(continued)

BuyRIGHT PrePaid MasterCard®

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  • Free Direct Deposit
  • On-Time Monthly Payments Reported To 2 Major Credit Bureaus
  • Free Account Activity Alerts
  • Flexible Fee Structure
Apply for BuyRIGHT PrePaid MasterCard® More detail on  BuyRIGHT-PrePaid-MasterCard
Intro APR Intro Period Annual Fee Setup Fee APR
None None None $0 None

Eufora™ Associate PrePaid MasterCard®

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  • No Credit Check
  • Cash Reward Program
  • Optional Credit Bureau Reporting
  • Zero Liability
Apply for Eufora™ Associate PrePaid MasterCard® More detail on  Eufora-Associate-PrePaid-MasterCard
Intro APR Intro Period Annual Fee Setup Fee APR
None None $29.95 $0 None

First Vineyard Stored Value MasterCard®

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  • Guaranteed Approval Stored Value MasterCard
  • Use Anywhere MasterCard® Or Cirrus/Maestro Is Accepted
  • Access Cash At 1 Million ATMs Worldwide
  • Receive Cash Back At The Point Of Sale (Grocery Or C-Store)
Apply for First Vineyard Stored Value MasterCard® More detail on  First-Vineyard-Stored-Value-MasterCard
Intro APR Intro Period Annual Fee Setup Fee APR
None None None $0 None

IMPACT PrePaid Visa® Card

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  • No Credit Checks
  • No Turndowns*
  • No Annual Fees
  • No Security Deposit
Apply for IMPACT PrePaid Visa® Card More detail on  IMPACT-PrePaid-Visa-Card
Intro APR Intro Period Annual Fee Setup Fee APR
None None None $0 None

Orchard Bank MasterCard® Secured

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  • Initial Credit Limit Up to $1000
  • Low Annual Fees
  • Competitive APRs
  • Periodic Credit Limit Increase Review
Apply for Orchard Bank MasterCard® Secured More detail on  Orchard-Bank-MasterCard-Secured
Intro APR Intro Period Annual Fee Setup Fee APR
None None $35 $0 20.15% Variable

Wired Plastic Stored Value MasterCard®

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  • Guaranteed Approval Stored Value MasterCard®
  • Pay Any Bill With Our Convenient ClickPay Service (Car, Rent, Utility)
  • Use Anywhere MasterCard® Is Accepted (Over 30 Million Locations)
  • Earn 1 Wired Point For Every $1 spent
Apply for Wired Plastic Stored Value MasterCard® More detail on  Wired-Plastic-Stored-Value-MasterCard
Intro APR Intro Period Annual Fee Setup Fee APR
None None None $0 None
  (Continued) to establish credit for the first time, or re-establish credit after bankruptcy? Prepaid credit cards may be the answer for you. They may also be the answer for students and their parents, and may be the only answer for people living in some developing countries.

In today's cashless society, it is difficult to get along without a credit card. It's almost essential if you want to buy anything online, although the cumbersome route of sending a check is possible in many cases.

70 million must pay cash
But some 70 million Americans don't have checking or savings accounts, credit cards or debit cards. If they receive a check, it costs them up to 20% to get it cashed. Paying bills can be a nightmare, trekking to various offices and paying them in person. Hotels, car rentals and the Internet are mostly off limits. The American Dream relies on credit cards.

Prepaid credit cards are also a way to control spending to amounts you can afford. You can't overspend, even if you want to. Other advantages include no credit checks and no interest charges. They are a convenient way the transfer money to the cardholder at no cost, handy, for example, for international students. Prepaid credit cards are easy to get online, and can be used almost anywhere where MasterCard or Visa cards are accepted.

Learning tool
A prepaid credit card is a useful learning tool for children. Pay the initial setup fee (usually from $5-50), and let them pay the smaller renewal fee when the initial period expires. Teach them that if they let it lapse they have to start all over again with a much larger fee. A lesson in financially responsibility.

College credit used to be something you earned by attending class. Today, it often refers to how much a student owes. Seventy-eight percent of college students carry at least one credit card. Average debt is $2,748, according to one source. A prepaid credit card is a great way to start teaching kids that money doesn't grow on credit cards. It allows students to carry money safely, to have it available when needed, and parents to have control over teen spending.
  • The Vaya MasterCard, as with most prepaid credit cards, requires no credit check or bank account. Direct deposits are free. There is an application fee of $49.00, and a monthly fee of $5.95.
  • Wired Plastic Prepaid Visa offers one point for every $1 spent. Points can be redeemed for prepaid wireless, Internet or calling card airtime. Cash can be added through Western Union offices. The activation fee is $9.95, and the monthly fee is $3.95. There are fees for various types of transactions.
  • Liberty Union Prepaid Visa Debit card has no activation fee, a monthly maintenance fee of $4.95, plus usage fees, which include $10 a month on inactive accounts.
Fees are a small price to pay for the convenience of a credit card and not having to line up to pay bills.

Lowest Fixed APR Rate: 5.50%

Lowest Variable ARR Rate: 8.49%

Total Credit Cards in Database: 102