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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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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.
Hide

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

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.
Hide

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

All your personal information will be protected

goHenry US Credit Recommended: Any Credit (No Credit Check)

FEATURES:

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

FEES:

Activation Fee: See terms
Monthly Fee: $0 for 2 months (after $3.99 per month)
Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: Free
Activation Fee: See terms
Monthly Fee: $0 for 2 months (after $3.99 per month)

goHenry US Credit Recommended: Any Credit (No Credit Check)

Card details:

It takes just one minute to open your online account. (No credit card required).See your child´s face light up when they receive their very own card in just 10 workingSet automatic allowance transfers, tasks and spending rules for your child.

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.