Credit Cards » Vanilla

Vanilla Visa Cards Alternatives

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.

Alternative Credit Cards for Vanilla Visa Purchases and more

  • Start with a $0 intro 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.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Get free access to your credit score and learn how everyday decisions can affect your score 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/an/a24.9% (Variable)$0 intro for first year;
$19 after that
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 150,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Perfect Valentine Gift - Apply for a Fingerhut Credit Account*.
  • Get $50 off $200 - USE Promo Code NC954. Exp. 4/03/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a24.90%$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%.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars± and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1,500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.±
  • 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.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • ±See rates, rewards, free FICO® Credit Score terms, balance transfer 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
  • Unlimited 1% cash back gas rewards.
  • No limit to the gas rewards you can earn.
  • Get Pre-Qualified without affecting your credit score.
  • Automatic reviews for credit line increase opportunities.
  • Zero fraud liability protects you from unauthorized charges.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fairn/a*n/a*17.90% -
23.90% (Variable)*
$35-$99*
  • Get the credit you need with a competitive rate.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/an/a20.9% (Variable)$39
  • 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.

* See Card Terms & Conditions for Details.
± Click apply for Terms & Conditions.