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Prepaid credit cards give you the flexibility of a credit card without the hassle of credit checks, contracts and expensive interest charges. You can use your prepaid credit card to buy anything you would typically pay for with a Visa or MasterCard, such as online purchases, dining out, bill payments, shopping, and more. Prepaid credit cards even make great gifts as they don't tie someone to just one store or a specific gift.

Getting a prepaid credit card is easy. You simply purchase the size of the card you'd like, along with an upfront activation fee. You should be aware that many prepaid cards eventually decline in value after several months of non-use, so you'll want to use your prepaid credit card once you get it.

When shopping for a prepaid credit card, there are several factors you hsould consider. Some of these include:

  • Denomination. Some prepaid credit cards come in predetermined amounts, while others let you choose exactly how much you want to spend. Choose a card that fits your needs and keep shopping if you don't initially find it.
  • Fees and penalties. Most prepaid credit cards charge an initial activation fee. Since these fees can vary widely from card to card, you should be aware of them before signing up. Yoiu should also find out if the card has an expiration date, and what charges might occur if the card is not used within a certain period of time.
  • Type. Prepaid cards come in MasterCard, Visa, American Express and more. Make sure that the prepaid credit card type will work with your spending plans. has reviewed and ranked the best prepaid credit cards available today. We hope these reviews help you find the prepaid credit card that best fits your gift giving or personal use needs!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Prepaid Credit Card Reviews

5 stars
Pink ACE Elite™ Visa<sup>®</sup> Prepaid Card

Pink ACE Elite™ Visa® Prepaid Card Best-In-Class Blue Ribbon Award

The Pink ACE Elite™ Visa® Prepaid Debit Card, issued by Metabank, allows you to contribute to a worthy cause and receive a range of great card benefits that can you can use everyday. The Pink ACE Elite™ Visa® Prepaid Debit Card is an official sponsor of the National Breast Cancer Foundation, contributing to more than $2 million towards breast cancer awareness and detection through card purchases. All unauthorized purchases are covered by Visa's Zero Liability and your card is FDIC insured. Set up free direct deposit when you are approved for account membership and receive your paychecks up to two days faster. Plus, when you direct deposit $500 or more in any calendar year, you will be qualified for a $10 Purchase Cushion and a low fee plan. Visit the ACE Elite website for further details. Enjoy no credit check and no application fee when you apply – it's as simple as it should be! Join forces toward breast cancer awareness while also maintaining easy money management with the Pink ACE Elite™ Visa® Prepaid Debit Card today! Read More... Visit Site

5 stars
AccountNow® Prepaid Visa® Card

AccountNow® Prepaid Visa® Card

The AccountNow® Prepaid Visa® Card, issued by The Bancorp Bank, is a checking account alternative that comes with a 100% approval rate. Cardmembers aren't subjected to credit checks, overdraft fees bounced checks or a minimum balance. Membership allows fast and easy access to your money. The AccountNow® Prepaid Visa® Card allows you to fully benefit from purchase rewards. You'll be eligible to receive special offers from merchandise that can be used for cash back. Plus, a referral program rewards members and their friends who sign up for an AccountNow® Prepaid Visa® Card. Apply now!! Read More... Visit Site

4 stars
Account Now Gold Visa® Prepaid Card

Account Now Gold Visa® Prepaid Card

The AccountNow Gold Visa® Prepaid Card, issued by The Bancorp Bank, is a prepaid card that is an excellent checking alternative. You only have to pay an average participation fee, which can be waived. Cardholders enjoy no late or overdraft fees and no minimum balance. Overall, this is a good option if you want a card with the convenience of a bank account and the privilege of a gold card. Read More... Visit Site

2 stars
ACE Elite™ Visa<sup>®</sup> Prepaid Card

ACE Elite™ Visa® Prepaid Card

Read More... Visit Site

2 stars
READYdebit Platinum Visa Prepaid Card

READYdebit Platinum Visa Prepaid Card

The READYdebit Platinum Visa Prepaid Card is a prepaid Visa Card issued by The Bancorp Bank that supplies you with a plethora of top-notch benefits. Now is the time to enjoy 24/7 Platinum benefits like mobile banking, online bill pay and around-the-clock customer service. With the READYdebit Platinum Visa Prepaid Card you can reload your prepaid card at one of over 50,000 reloading locations around the world. The READYdebit Platinum Visa Prepaid Card is FDIC-insured up to the balance of the card and you can share money between two READYdebit cards – instantly! You'll never have a bounced check and there are no credit or Checksystems™ checks and direct deposit is always FREE. Sign up now for the Platiunum option – the READYdebit Platinum Visa Prepaid Card. Read More... Visit Site

2 stars
READYdebit® Visa Prepaid Card

READYdebit® Visa Prepaid Card

The READYdebit Visa Prepaid Card issued by The Bancorp Bank is a prepaid card option for cardholders that love to enjoy premium benefits and an account that is fully FDIC-insured up to the balance of the card. The offer includes benefits like free direct deposit, free mobile banking, free credit ScoreTracker* and free online bill pay. The READYdebit Visa Prepaid Card is easy to load cash onto due to the 50,000+ reloading locations. There's no credit or Checksystems™ checks and you'll never deal with bounced checks – ever! With the READYdebit Visa Prepaid Card you can enjoy getting your account information instantly and easily. Choose the READYdebit Visa Prepaid Card for a prepaid option you can trust. Read More... Visit Site

Advantages of Prepaid Credit Cards

If your credit is imperfect, you have a teenager or young adult that needs access to a Visa or MasterCard or you want to better control your spending a prepaid credit card is a great option. Credit cards not only make for convenient shopping but are also mandatory in many scenarios where a Visa or MasterCard must be made available. For example, shopping online, renting a car, or making reservations all require a credit card and asking someone else to help you out, each and every time, can be embarrassing.

Here are some advantages of a prepaid card:

No Interest
Many prepaid credit cards exist today that look and feel just like a credit or debit card. Withdraw cash at ATM's, upload a payment via the phone, establish direct deposit, speak to a customer service representative and more. But very importantly, there's not interest charges. Fees due exist and must be looked at closely but you'll never be charged interest for using your preloaded credit card.

No Credit Check
If you've had some financial challenges in the recent past or simply don't want another credit check to be reported to the credit agencies - a prepaid card is the place to go. With the balances being prepaid, no line of credit being issued, there's no need for any prepaid credit card company to ask for your social security number or inquire about past credit issues.

No Overspending
Whether you need help sticking to a budget or you're child does, a prepaid card is the card for you. Prepaid cards only have the balance available that you load on the card at the onset. There's no spending more than you should on an impulse buy or running over your credit limit with a prepaid card. Many people use these cards in place of debit and credit cards to stick strictly to their budget. Parents often send prepaid cards to their college students to help them out financially but without the risk of a credit cards and irresponsible spending.

No Contracts
You aren't bound to a prepaid card via a contract. You simply load the card and spend as you so choose. You may reload the card as needed and continue to use in the future.

Gift Giving
If you aren't sure what your friend or family member wants or needs next Christmas or birthday a prepaid card is a great option. Loading the prepaid card with your gift contribution allows them to buy exactly whatever they want. No returning gifts with a prepaid card.

In summary, a prepaid card offers several perks over a traditional credit card. Many appreciate the budgeting aspect while others enjoy no contracts or accrued interest. Either way, prepaid cards offer a lot of flexibility no matter what you need the card for.




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