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Prepaid Debit Card Offers

Prepaid debit cards aren't just for people with bad credit. These cards are also great for those who want to put a limit on their spending or someone else's. Cardholders set a spending limit for themselves or someone else like a teenager, and will be able to see where and how the money is spent. You can deposit as much money as you like on the card and then use it to make purchases up to that amount. These types of cards don't usually require a credit check.
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AccountNow® Gold Visa® Prepaid Card Credit Recommended: See website for Details*

FEATURES:

Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: See website for Details*

FEES:

Activation Fee: See website for Details*
Monthly Fee: See website for Details*
Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: See website for Details*
Activation Fee: See website for Details*
Monthly Fee: See website for Details*

AccountNow® Gold Visa® Prepaid Card Credit Recommended: See website for Details*

Card details:

Get Paid up to 2 days Faster with Free Direct Deposit * - Get Your Paycheck or Benefits Checks in Your Card Account and Access Your Funds up to 2 days Earlier Than Payday.No CreditCheck to Get a Card. No ChexSystems Check. No Existing Bank Account Required.$0 Activation Fee*. No Minimum Balance. No Risk of Overdraft fees. Show More
$15 Bonus* with Qualifying Direct Deposit. Never Pay to Cash Your Paychecks and Get Your Pay Faster.Use it Everywhere Visa Debit Cards are Accepted and Pay Anyone with PayAnyone Bill Pay. Shop Online, Rent a Car, Pay Your Rent and More.Easy Mobile Account Access and Text Alerts. Get Your Account Balance, Transaction Details Sent to Your Phone within Seconds.BBB Accredited A+ Company. Excellent Customer Service.*See Program Rules
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Bronze ACE Elite™ Visa® Prepaid Debit Card Credit Recommended: Any Credit (No Credit Check)

FEATURES:

Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free

FEES:

Activation Fee: See terms
Monthly Fee: $5.95
Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free
Activation Fee: See terms
Monthly Fee: $5.95

Bronze ACE Elite™ Visa® Prepaid Debit Card Credit Recommended: Any Credit (No Credit Check)

Card details:

Get your tax refund faster than a paper check.No-Fee Cash Withdrawals at ACE.Use everywhere Visa® debit cards are accepted. Show More
Manage your money online and on-the-go.ACE Elite with Direct Deposit FeeAdvantageTM Plan.Earn Payback Rewards.
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Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Purple ACE Elite™ Visa® Prepaid Debit Card Credit Recommended: Any Credit (No Credit Check)

FEATURES:

Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free

FEES:

Activation Fee: See terms
Monthly Fee: $5.95
Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free
Activation Fee: See terms
Monthly Fee: $5.95

Purple ACE Elite™ Visa® Prepaid Debit Card Credit Recommended: Any Credit (No Credit Check)

Card details:

Get your tax refund faster than a paper check.No-Fee Cash Withdrawals at ACE.Use everywhere Visa® debit cards are accepted. Show More
Manage your money online and on-the-go.ACE Elite with Direct Deposit FeeAdvantageTM Plan.Earn Payback Rewards.
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Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

READYdebit® Visa Mint Control Prepaid Card Credit Recommended: See website for Details*

FEATURES:

Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: See website for Details*

FEES:

Activation Fee: See website for Details*
Monthly Fee: See website for Details*
Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: See website for Details*
Activation Fee: See website for Details*
Monthly Fee: See website for Details*

READYdebit® Visa Mint Control Prepaid Card Credit Recommended: See website for Details*

Card details:

$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)Free* Direct DepositNo Credit Check or ChexSystems Checks Show More
No Risk of Overdraft FeesNo Bounced Checks - Ever!Easy Cash Reloading at 50,000 + Retail LocationsSend Checks with Easy Online Bill Pay*See Program Rules
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Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

AccountNow® Prepaid Visa® Card Credit Recommended: See website for Details*

FEATURES:

Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: Free

FEES:

Activation Fee: $4.95
Monthly Fee: See website for Details*
Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: Free
Activation Fee: $4.95
Monthly Fee: See website for Details*

AccountNow® Prepaid Visa® Card Credit Recommended: See website for Details*

Card details:

$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)No Credit Check. No Overdraft Fees, ever.Free* Direct Deposit and Online Bill Payment Show More
Use it Everywhere Visa Debit Card Accepted in the U.S.Easy Online/Mobile Account AccessPerfect for Occasional Usage*See Program Rules
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Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

READYdebit® Visa Latte Control Prepaid Card Credit Recommended: See website for Details*

FEATURES:

Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: See website for Details*

FEES:

Activation Fee: See website for Details*
Monthly Fee: See website for Details*
Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: See website for Details*
Activation Fee: See website for Details*
Monthly Fee: See website for Details*

READYdebit® Visa Latte Control Prepaid Card Credit Recommended: See website for Details*

Card details:

$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)No Credit Check or ChexSystems ChecksNo Risk of Overdraft Fees Show More
No Bounced Checks - Ever!Free* Direct DepositEasy Cash Reloading at 50,000 + Retail LocationsSend Checks with Easy Online Bill Pay*See Program Rules
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Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

CityScape ACE Elite™ Visa® Prepaid Debit Card Credit Recommended: Any Credit (No Credit Check)

FEATURES:

Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free

FEES:

Activation Fee: See terms
Monthly Fee: $5.95
Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free
Activation Fee: See terms
Monthly Fee: $5.95

CityScape ACE Elite™ Visa® Prepaid Debit Card Credit Recommended: Any Credit (No Credit Check)

Card details:

Get your tax refund faster than a paper check.No-Fee Cash Withdrawals at ACE.Use everywhere Visa® debit cards are accepted. Show More
Manage your money online and on-the-go.ACE Elite with Direct Deposit FeeAdvantageTM Plan.Earn Payback Rewards.
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Pink ACE Elite™ Visa® Prepaid Debit Card Credit Recommended: Any Credit (No Credit Check)

FEATURES:

Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free

FEES:

Activation Fee: See terms
Monthly Fee: $5.95
Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free
Activation Fee: See terms
Monthly Fee: $5.95

Pink ACE Elite™ Visa® Prepaid Debit Card Credit Recommended: Any Credit (No Credit Check)

Card details:

No-Fee Cash Withdrawals at ACE.Enroll in Direct Deposit, and You Can Get Paid Faster.Access Your Account From the Palm of Your Hand. Show More
Transfer Funds.Reward Yourself.Give back with the Pink ACE Elite Card.
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Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

READYdebit® Visa Select Sunset Prepaid Card Credit Recommended: See website for Details*

FEATURES:

Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: See website for Details*

FEES:

Activation Fee: See website for Details*
Monthly Fee: See website for Details*
Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: See website for Details*
Activation Fee: See website for Details*
Monthly Fee: See website for Details*

READYdebit® Visa Select Sunset Prepaid Card Credit Recommended: See website for Details*

Card details:

Instant Account Number - A Great Card for your Money.Free* Direct Deposit - Paycheck, Benefit Checks, Tax Refund ChecksEasy Online Bill Payment & Mobile Account Access Show More
No Purchase Transaction FeesNo Risk of Overdraft Fees or Balance MinimumsWithdraw Cash at ATMs or Get Cash Back with PurchasesUse it Everywhere Visa Debit Cards are AcceptedChoose Your Card Color - Blue or Pink*See Program Rules
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Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Blue ACE Elite™ Visa® Prepaid Debit Card Credit Recommended: Any Credit (No Credit Check)

FEATURES:

Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free

FEES:

Activation Fee: See terms
Monthly Fee: $5.95
Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free
Activation Fee: See terms
Monthly Fee: $5.95

Blue ACE Elite™ Visa® Prepaid Debit Card Credit Recommended: Any Credit (No Credit Check)

Card details:

Get your tax refund faster than a paper check.No-Fee Cash Withdrawals at ACE.Use everywhere Visa® debit cards are accepted. Show More
Manage your money online and on-the-go.ACE Elite with Direct Deposit FeeAdvantageTM Plan.Earn Payback Rewards.
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Prepaid Debit Cards

Prepaid cards are similar to gift cards that you can buy and use at retail stores however there are fees associated with this type of cards. Since you pay in advance there are no credit checks or employment requirements when you apply for prepaid card offers. Therefore, such cards are generally used by people with bad credit history to get a credit card or by those who prefer the convenience of plastics.

There are many occasions in life where using a card is either, more convenient or required. If you have ever tried to make hotel reservations, book a flight or rent a car, you understand that cash don't rule the world. By using a prepaid card, you have most of the benefits of credit cards without the danger of going in debt. Since you can only use the amount that you have loaded on the card, you are never to pay late fees or over the limit penalties.

The drawbacks of prepaid cards are various fees for setting up and maintaining an account. In addition to account fees you should also be prepared for the fact that not all vendors will accept prepaid cards.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

Who is prepaid card good for?

Prepaid cards are good for anyone. However, if you want to build or establish your credit, they will be useless for you. Prepaid cards do not give access to credit line and therefore they are not reported to the major credit bureaus, which is an important condition when you build a credit history. Prepaid cards are good when you want to get a convenience of a plastic card and electronic payments. They are also good for acquiring a habit of making payments on time and managing your finances properly.

How do prepaid cards work?

Prepaid cards look like credit cards but they do not work like them. With a prepaid card you should put money onto the card before you can use the card. When you use a prepaid card, the amount of your purchases is deducted from the balance of the card reducing the available amount. Once you’ve used the entire balance, you have to reload money onto your prepaid card before you can use it again. You do not have to worry about interest or late payments. There is no revolving balance or due dates to remember but you still can be charged fees for a prepaid card use.

What is a prepaid card?

A prepaid card is a payment card that you load with money before you can use it for purchases. It looks like a credit card: it has card number, signature strip, company branding, Visa or MasterCard logo, and your name. But prepaid cards are not credit cards and do not give you access to a line of credit. You can’t borrow money with a prepaid card, you can only spend money loaded onto it. And because of that prepaid cards are not reported to the major credit bureaus and do not help you build your credit. Prepaid cards give you convenience of electronic payments.

How to get a prepaid card?

You won’t need an established credit history to qualify for a prepaid card. You can get a prepaid card with bad or no credit at all because they do not require credit check or bank account. You can apply for a prepaid card online or get it at your local bank. Some prepaid cards are even sold at supermarkets. Just make sure you read the card’s terms before you get it. Many prepaid cards have high maintenance fees and processing fees.