Credit Cards » Vanilla Visa Cards

Vanilla Visa Cards

The Vanilla Visa Card is a prepaid card, which can be used like a credit card at retailers and online to make shopping and managing your money easier. Users can also upgrade to the MyVanilla Card, which is basically a reloadable debit card. The Vanilla Visa Cards can be purchased through a wide range of retailers, including Home Depot, Walgreens and CVS, although you can apply for the MyVanilla card online.

Vanilla Visa Credit Card Alternatives

BEST for EXCELLENT Credit
  • Earn up to 5% Cash Back!
  • 0% intro APR on Purchases and Balance Transfers for 14 Months.
BEST for FAIR Credit
  • Start with NO Annual Fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Find card offers you may be eligible for without affecting your credit score.
  • Get matched to features you want like low intro rates, cash back or miles, and more.
  • See your card matches in less than 60 seconds.
  • Find a card for where you are — to help you prepare for what′s ahead.
  • All Capital One cards come with fraud coverage if your card is lost or stolen.
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone.
  • Pick the monthly payment due date that works best for you.
  • Pay the way you want - by check, online, or at a local branch.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/aSee termsSee termsVarious RatesSee terms
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you′ve made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / Averagen/an/a24.99%* (Variable)$0
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 5,000 cardmembers.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Free FICO® Credit Score online and on monthly statements.±
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up±. 1% cash back on all other purchases.
  • 100% U.S.- based customer service - anytime, day and night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0%
(18 months)
0%
(6 months)
10.99% -
22.99% Variable±
$0
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • Cash back doesn′t expire and there′s no limit to how much you can earn.
  • 0% intro APR on purchases until June 2015.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud Coverage if your card is ever lost or stolen.
  • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/a0%
(until
June
2015)
22.9% (V)$39
  • Unlimited 1% back gas rewards.
  • Rewards post to your account automatically each month.
  • Zero fraud liability protects you from unauthorized charges.
  • Earn 1% back on gas purchases and get more value with every gallon.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/A*N/A*17.90% -
23.90% (Variable)
$35-$99
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a24.90%$0
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See terms

Millions Options with Vanilla Visa Rewards Cards

The Vanilla Card is a Visa card issued by Bancorp Bank in pre-loaded amounts ranging from $20 to $500. Once you purchase the card, it's activated at the register, and can be used like a credit card at retailers within the U.S., which accept Visa. While the OneVanilla Prepaid Visa card can be used at leading retailers, you can't use it at ATM's to get a cash advance. Also it's not re-loadable, so once you use up of the amount on the Vanilla Visa prepaid card you will have to purchase another one.

Customers can also upgrade their Vanilla Visa card from a prepaid credit card to the MyVanilla Card, which acts like a personalized debit card. You can load this card with any amount you wish, as often as you wish. It can be re-loaded at any of the 50,000 Vanilla reload centers in the U.S.

To apply for this card you visit the MyVanilla Card website and fill out the application, or you can contact them through the toll free number and apply that way. A credit check is not part of the application process, and once you apply it will take up to 10 days to get your new Vanilla Card in the mail.

The MyVanilla Card is FDIC insured, and you can set up recurring payments to make sure you are always fully loaded. With this Vanilla debit card users can make day-to-day purchases, but they can also use it at ATM's. An interface is also set up on the Vanilla Card website so users can easily track their purchases and there are no surprises later on.

They also have a Vanilla Reward card in their portfolio, which may remind you of cards that are attached to reward programs that allow you to earn points that can be used toward trips and merchandise. However, this is not a rewards-based card - it's a card that is typically given as a reward. For instance, the Vanilla Reward card is often given by employers to employees as a gift or bonus. So while you may get one as a reward, it's important to remember that it's not a typical point based reward card.

The OneVanilla Prepaid Visa Card and the MyVanilla Card may well be attractive ways for some consumes to manage their money, while having the flexibility and security that credit and debit cards offer. While there are no monthly fees attached to these cards, they do charge a $3.95 re-load and activation fee, as well as fees for other transactions so it pays to check out the terms and conditions that come with these cards.

± Click apply for Terms & Conditions.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.