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Prepaid Debit Cards
A prepaid credit card is, in fact, not a credit card at all BUT rather a prepaid debit card that is used just like a credit card. One of the primary advantages of prepaid debit cards is no finance charges, helping you avoid debt by actually paying for purchases beforehand.
With prepaid debit cards, the card holder (you) determines the actual credit line that can be used by pre-loading the card with cash up front. As such, your credit line will depend on how much money you transfer to the card. Since you aren't borrowing money in the first place, there is little, if any, risk of running up credit card debt, which is one of the primary benefits of these type of cards.
Nobody will be able to tell that you're using a prepaid card from the way it appears or how it actually works. These cards function exactly like a regular or unsecured credit card and can be used anywhere Visa or MasterCard are accepted.
While most debit cards or prepaid credit cards do not charge finance fees, many of these cards are "fee-based" so some of the cards can wind up being costly. Other fees that may apply with prepaid cards include monthly fees, startup or application fees, over limit fees, ATM fees and more. But for those who are looking to avoid credit card debt and expensive finance charges from traditional credit cards will find that prepaid cards are a viable option.
At CreditCardAssist.com, we have provided a broad selection of free information, articles, guides and tips on prepaid cards that you can utilize when researching the various card types and card products that are available in the marketplace.
As always though, we strongly recommend that you be sure to thoroughly look over the terms and conditions of any card that you decide on before applying for it.
Prepaid Debit Card - Reviews
So search, compare and apply for one of our top prepaid cards today. We have listed a variety of all the very best prepaid debit cards or prepaid credit card offers available below.
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Wired Plastic + Rewards Stored Value MasterCard® |
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- Get Approved Online Instantly*
- Direct Deposit is Include Free*
- Pay All Your Bills with "Click-n-Pay" Service (Rent, Car, Utility)*
- Employment Verification or Bank Account Not Required*
- Earn 1 Reward "Wired" Point for Each $1 You Spend*
- Redeem Your "Wired" Points for Music Downloads, Calling Cards or for PrePaid Wireless*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
N/A*
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N/A*
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N/A*
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N/A*
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N/A*
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Bad Credit OK*
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Editor's Review:
The Wired Plastic Prepaid Visa Card is a prepaid debit card issued by BANKFIRST. This prepaid credit card is ideal for those who have difficulty getting an unsecured credit card
...more info
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Eufora Preferred Pre-Paid MasterCard® |
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- Credit Check Is Not Required*
- Cash Incentive Reward Program*
- Credit Bureau Reporting Offered as Optional Feature*
- $0 Liability*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
N/A*
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N/A*
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N/A*
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$59.95*
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N/A*
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Bad Credit or No Credit OK*
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Editor's Review:
Issued by BANKFIRST, the Eufora Preferred Pre-Paid MasterCard is an excellent choice for those in the market for a prepaid credit card. As with all prepaid credit cards, this card was designed to help those with fair, poor, or even bad credit history receive a credit card. In addition, those with no credit history can use prepaid debit cards to build their credit
...more info
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Western Union® Prepaid MasterCard® |
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- Short Easy Application*
- No Credit Check*
- No Bank Account Required*
- Reload with Cash at Any of over 48,000 Western Union Agent Locations in the U.S.A.*
- Drectly Deposit Your Paycheck to Your Card with No Charge*
- Keep in Touch with Your Balance. Receive Text Message to Your Mobile Device after Every Purchase*
- No Annual Fees*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
N/A*
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N/A*
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N/A*
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None*
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N/A*
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N/A*
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Editor's Review:
The Western Union® Prepaid MasterCard® makes it possible to enjoy the use of a credit card despite having a poor credit history. Prepaid debit cards are a popular option for those that are interested in enjoying the same freedoms and conveniences provided by a credit card but that do not have good enough credit to qualify for other cards.
...more info
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First Vineyard Pre-Paid MasterCard® |
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- Stored Value Master Card with Guaranteed Approval*
- Usable anywhere Master Card® or Cirrus/Maestro Is Accepted*
- Access Cash from one of 1 Million ATM's World Wide*
- Get Cash Back from Point of Sale (Grocery or C-Store)*
- Pay Your Bill Online*
- Ability to Transfer Funds from Card2Card Transfer Capability*
- Direct Deposit for Payroll, Government Benefit Checks*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
N/A*
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N/A*
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N/A*
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$0*
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N/A*
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Bad Credit or No Credit OK*
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Editor's Review:
The First Vineyard Stored Value MasterCard, which is issued by BANKFIRST, offers an exceptional package when it comes to prepaid credit cards. This prepaid credit card is ideal for those who having difficulty getting a standard unsecured credit card that would also like to participate in a cash back program. In addition, this card offers unique rewards opportunities that aren't seen with other prepaid debit cards
...more info
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Sterling VIP Prepaid Visa® Debit Card |
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- No Bank Account or Credit Check is Required*
- Security Deposit is NOT required*
- Employment Verification is NOT required*
- Annual Fee - None*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
N/A*
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N/A*
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N/A*
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N/A*
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N/A*
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Bad Credit OK*
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Editor's Review:
The Sterling VIP Prepaid Visa Debit Card is a prepaid debit card that is issued by Four Oaks Bank & Trust Company. As with most prepaid credit cards, this card is meant for individuals who have difficulty getting a unsecured card because of limited credit history or because of poor credit
...more info
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Millennium Advantage Pre-Paid MasterCard® |
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- Use Your Card at Over 900,000 ATMs and Millions of Locations Worldwide*
- No Credit Check or Income Verification Required*
- No Chexsystem Check*
- No Minimal Balance Required*
- Phone and On-line Account Access*
- Shop and Pay Bills On-line*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
N/A*
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N/A*
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N/A*
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N/A*
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N/A*
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Bad Credit OK*
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Editor's Review:
For those who may have difficulty in obtaining an unsecured credit card, the Millennium Advantage Pre-Paid MasterCard® is a way of still having the convenience of using a credit card
...more info
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Looking for more articles and free information on prepaid debit cards? We've provided more articles, tips, advice and resources on prepaid debit card offers below: - Closer Look at the Eufora Prepaid Card - Eufora has earned a reputation as one of the pioneers in the prepaid credit card industry. Not surprisingly, the Eufora Prepaid Credit Card won the Top Rated Card for 2003 by Card Ratings.com only two years after it was introduced into the market. One of the main reasons the card won the prize was the fact that it offered three different types of benefits...
- Hints for Building a Credit History - One of the most difficult things to create when it comes to personal finance is a credit history. Even more importantly, it can be somewhat challenging for some people to build a reputable credit history. So, how can you go about achieving this goal? A good first step to start building credit might be...
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