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

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.74%, 20.74% or 23.74%, based on your creditworthiness. Please note, there is a fee for balance transfers
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0% (12 months (on balance transfers made within 45 days of account opening))N/A16.74%, 20.74% or 23.74% Variable$89 - waived first year
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.15% - 24.65% Variable$0 - $99
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • You could WIN $20,000 from Fingerhut.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a25.65%$0
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)N/A12.74%, 20.74% or 25.74% variable$0
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You´ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you´re Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.15% - 24.65% Variable$0 - $99
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that Mastercard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair/BadN/AN/ASee Terms*See Terms*
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
PoorN/AN/A16.15% - 24.65% Variable$0 - $99
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0% (15 months (on balance transfers made within 45 days of account opening))0% (15 months)13.74% Variable$0

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.