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

Thieves used "˜cloned' debit cards to take cash from victims' bank accounts: police

QUEENS - Police are searching for men who fraudulently withdrew cash from the bank accounts of at least four victims by using "cloned" debit cards at several ATM machines in Queens, police said Friday. On Sunday, April 14, at 11 a.m and 2 p.m., the ...

Published:  Fri, 18 May 2018 22:46:00 GMT



"˜Smart eCard' Stores 30 Crypto Accounts, Credit And Debit Cards In One Place

Buying a bottle of water quickly and spontaneously using cryptocurrency is still a massive challenge, but the company behind a new ecosystem says its technology will make it easy for crypto holders to use their funds for everyday purchases - all without ...

Published:  Tue, 15 May 2018 17:08:00 GMT



How (and Why) I Persuaded My Husband to Switch to a Credit Card

My husband, on the other hand, didn't want the hassle of having to pay another monthly bill, so he used a debit card for almost all of his purchases, which deducted automatically from his bank account. While we were dating, the credit versus debit ...

Published:  Fri, 18 May 2018 08:00:00 GMT



Malware attack at Chili's compromised some customers' credit and debit card information

Brinker International said customer credit and debit card information had been compromised at some Chili's locations between March and April. The company said it is working with third-party forensic experts to determine how the breach occurred. Brinker ...

Published:  Mon, 14 May 2018 06:33:00 GMT



Woman broke into Billings home, used stolen debit card to book nearby hotel room, court docs say

A 32-year-old woman is accused of using a stolen debit card to book a stay at a nearby hotel, where police reportedly found her hours later with other stolen items. Latoya Shantell Rivera appeared on Wednesday in Yellowstone County Justice Court on charges ...

Published:  Wed, 16 May 2018 17:52:00 GMT



Charge Cards: Better Than Debit and Credit Cards, or a Waste of Money

In 2013, the average cardholder had 4.1 credit cards but only 0.1 charge cards, according to the Federal Reserve Bank of Boston. Clearly, most Americans are not clued in when it comes to charge cards. It makes you wonder whether they're missing out -- or ...

Published:  Sat, 12 May 2018 07:18:00 GMT



Caseyville Police looking for man who allegedly used lost debit card to make purchases

Caseyville Police are looking for someone they believe has used a lost debit card at two local businesses. The owner of the debit card reported it missing Wednesday and realized that two transactions took place after it was lost. Caseyville Police said the ...

Published:  Fri, 18 May 2018 14:00:00 GMT



"On Library Fines, Lost Debit Cards, and Target Therapy"

Let me interrupt by saying that I should know by now to plan just one errand for 30 minutes, if that. I do have adult attention deficit disorder (ADHD or ADD), after all. In fact, I probably should have just sat in the waiting room at the music school ...

Published:  Mon, 14 May 2018 08:16:00 GMT




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