Prepaid Credit Card Reviews

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AccountNow® Gold Visa® Prepaid Card

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  • $0 Activation fee†. No Minimum Balance. No risk of Overdraft fees.
  • $15 Bonus§ with qualifying Direct Deposit. Never pay to cash your paychecks and get your pay faster.
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READYdebit® Visa Prepaid Card

  • Instant Account Number - A Great Card for your Money.
  • Free† Direct Deposit — Paycheck, Benefit Checks, Tax Refund Checks
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Risk of Overdraft Fees or Balance Minimums
  • Withdraw Cash at ATMs or Get Cash Back with Purchases
  • Use it Everywhere Visa Debit Cards are Accepted
  • Choose Your Card Color - Blue or Pink

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Prepaid Credit Cards

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!



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.

 



Prepaid Credit Cards In The News

Startup Aims To Be Millennials' Bank With Cash-Back Debit Card, High Interest On Savings

The Empower team in its San Francisco office. Cofounders Warren Hogarth and Justin Ammerlaan are pictured at center. Photo credit: Empower The personal finance app Empower is throwing the kitchen sink ...

Published:  Wed, 19 Sep 2018 08:57:00 GMT



Debit Card Users Take a Liking to Apple Pay And Other Wallets, Pulse's Annual Survey Finds

More mobile and contactless opportunities may be in the future for debit card issuers. The 2018 Debit Issuer Study from Houston-based Pulse Network, released this week, found 12.2% of debit cards were ...

Published:  Fri, 14 Sep 2018 08:31:00 GMT



Social security card, debit card, cash and license stolen from woman at metro Detroit Planet Fitness

The woman's social security card, along with $50 in cash, her license and a debit card were stolen. Police say the thief went to a nearby CVS Pharmacy at Wayne Road and Palmer to withdraw $500 from th...

Published:  Mon, 17 Sep 2018 15:17:00 GMT



Wyandotte residents report incidents of identity theft, debit card fraud

Although they don't appear to be related, three Wyandotte residents reported incidents of identity theft and fraud, all on the same day - Sept. 18. The first police report was taken at 11:50 a.m. and ...

Published:  Fri, 21 Sep 2018 11:12:00 GMT



Lawsuit Against Target Alleges Its Debit Card Can Result in Multiple Fees for Insufficient Funds Transactions

A Florida woman and North Carolina man have filed a proposed class action lawsuit against Target, alleging the company's debit card exposes customers to double, triple or even quadruple fee ...

Published:  Sat, 15 Sep 2018 05:15:00 GMT



Spokane looking for woman who used stolen debit card

The Spokane Police Department is asking for the public's help to identify a woman involved in an attempted forgery. The woman is believed to have tried to use the victim's debit card in late June afte...

Published:  Tue, 18 Sep 2018 14:17:00 GMT



430,000 pre-paid debit card users sharing $10 million settlement

The Federal Trade Commission is mailing more than 430,000 checks totaling some $10 million to people who were denied access to their money when using popular prepaid debit cards. The money is going to ...

Published:  Mon, 17 Sep 2018 21:12:00 GMT



Global Prepaid Credit Card market details insights shared in detailed report

The Prepaid Credit Card Market 2018 research by Big Market Research. It offers a feasibility analysis for investment and returns supported with data on development trend analysis across important regi...

Published:  Fri, 14 Sep 2018 16:40:00 GMT




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