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Prepaid Credit Cards
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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.

TopConsumerReviews.com 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 for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.

2015

Prepaid Credit Card Reviews

5 stars
AccountNow® Gold Visa® Prepaid Card

AccountNow® Gold Visa® Prepaid Card TopConsumerReviews.com Best-In-Class Blue Ribbon Award

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3 stars
AccountNow® Prepaid Visa® Card

AccountNow® Prepaid Visa® Card

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2 stars
Blue NetSpend® Visa® Prepaid Card

Blue NetSpend® Visa® Prepaid Card

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2 stars
PayPal™ Prepaid MasterCard®

PayPal™ Prepaid MasterCard®

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2 stars
READYdebit® Visa Prepaid Card

READYdebit® Visa Prepaid Card

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2 stars
PayPal™ Prepaid MasterCard®

PayPal™ Prepaid MasterCard®

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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.

 

 

 

RingBritain.com celebrates Queens birthday with a $2 gift on Voice Credit orders
RingBritain.com offers $2 bonus on Voice Credit orders placed between June 13th and June 16th.
Publication Date: June 13, 2015

$2 Bonus for International Calls to Iran Offered by TamasbaVatan.com on Eid al-Fitr
TamasbaVatan.com encourages its customers to call home more often on Eid al-Fitr by offering them a $2 Voice Credit bonus between July 16-18.
Publication Date: July 16, 2015

Ingo Money and NetSpend to Bring Greater Financial Access and Convenience to Prepaid Cardholders
Integration of the Ingo Money Software Development Kit (SDK) into NetSpend mobile apps provides cardholders with access to check funds in minutes
Publication Date: July 28, 2015

$1 Million in K-12 Support and Counting: Just a Dollar at a Time with Amscot Financial 10th Annual Campaign
Over the past nine years, Amscot customers and the company have combined to raise more than $1 million for local education foundations in the counties that Amscot serves.
Publication Date: July 29, 2015

Hong Kong Payment Services Provider Transact24 Open New US Office
Hong Kong-based payment services provider Transact24 open new US office in Federick, MD.
Publication Date: July 29, 2015

Acculynks Municipal Payments Solution Division to Attend Annual GMA Convention
Acculynks PayGOV is looking to Showcase Its Unique Debit Solution at the Georgia Municipal Association on June 26th-June 29th
Publication Date: June 11, 2015

Ingo Money and Global Cash Card Partner to Deliver Mobile Check Cashing Services to Paycard Customers
Eligible Global Cash Card customers can now use Ingo Money to cash checks to their cards and receive instant, irreversible access to their money
Publication Date: July 01, 2015

Thomas Exchange Global Comments on Growing Popularity of Asian Tourist Cities in Response to CNNs Recent Report
In response to the growth of tourism in Asian cities highlighted by CNN in an article published June 3rd, foreign currency specialist Thomas Exchange Global advises travellers on how to make the most of their money by finding the best exchange rates for Asian currencies
Publication Date: June 22, 2015

Prepaid Cards Offer Limited Advantages Even With Impending Regulation
Without the ability to build credit history, prepaid cardholders' only benefit is convenience, says OpenSky
Publication Date: July 07, 2015

LlamaElSalvador.com triples the value of international top-ups sent to Digicel El Salvador mobiles
Between July 1st and July 31st, LlamaElSalvador.com offers triple bonus for Digicel mobile recharges.
Publication Date: July 16, 2015

SunaRomania.com introduces a New Service for Romanian Expats: Virtual Number, offering Unlimited Calls From Romania for Only $0.99/Month
Romanian expats may receive unlimited calls from home at only $0.99/month, thanks to the Virtual Number service.
Publication Date: July 29, 2015

$2 Bonus to Call Morocco on Ramadan, with AlloMaghreb.com
AlloMaghreb.com celebrates Ramadan with a special offer: $2 bonus for international calls on Voice Credit orders above $20.
Publication Date: June 14, 2015

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