Visa Credit Cards and Prepaid Cards
Here are all of our current Visa credit cards and prepaid cards. Quickly compare card features, interest rates, annual fees and more to find the card that's right for you.
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| - The best value compared with other prepaid cards
- $0 activation fee. $0 monthly fee with total load of $300 or more
- Free direct deposit from employers or load cash at 60,000 retailers
- Write personal checks, best to pay rent or other bills
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This is a debit card, not a credit card;
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $0 | Excellent - Bad No Credit |
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| - 100% approval - no credit check required
- Short-term iAdvance Line of Credit - now available!
- No overdraft fees or minimum balances
- Online bill pay - easily send a check to anyone
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This is a debit card, not a credit card;
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $0 | Excellent - Bad No Credit |
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| - Guaranteed approval*, no credit or Chexsystemssm checks
- No overdraft fees or minimum balances
- Online bill pay - send checks to anyone
- Free direct deposit & credit builder
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This is a debit card, not a credit card;
read more
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $0 | Excellent - Bad No Credit |
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| - Points: Earn 1 point for every $1 in net retail purchases.
- Rate: Low introductory APR
- Contribution: From 2009-2011, Bank of America is guaranteeing a minimum of $1,950,000 and a maximum of $2,700,000 to Susan G. Komen for the Cure in connection with this program (the program involves a number of different financial service products). Visit komen.org/bankofamerica for details
- WorldPoints® rewards: You may redeem points for cash, travel with no blackout dates, hotel rewards, car rentals, brand name merchandise, gift certificates and more
- Rewards start at: 2,500 points
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 12.99-20.99% | $0 | Excellent - Good |
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| - $25 cash bonus when you use direct deposit
- 100% guaranteed approval*
- Free credit builder and bill pay
- New! Now with the iAdvancesm loan option
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This is a debit card, not a credit card;
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - 0% APR for purchases for 6 months
- No annual or monthly fees
- No credit, income or employment requirements
- Reports to all 3 credit bureaus
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 11.24% | $0 | Poor - Bad No Credit |
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| - Card to card transfers between RushCard members
- Free Prescription Discount Card from RushCard - save up to 85% on prescriptions
- Free customer service 24/7
- No monthly fees and no hidden fees
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This is a debit card, not a credit card;
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - 1 mile per dollar spent on purchases up to $1,000 each month
- 2 miles per dollar above $1,000 each month
- No limit on the miles you can earn and miles don't expire
- Redeem for Travel, Merchandise, Gift Cards and more
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 13.90% (V)* | None* | Excellent |
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| - Card to card transfers between RushCard members
- Free Prescription Discount Card from RushCard - save up to 85% on prescriptions
- Free activation with direct deposit before 4/15/10
- Free direct deposit of tax refunds, anticipation loans and paychecks
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This is a debit card, not a credit card;
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - ZERO - 0% fixed APR on purchases - no intro rates!
- ZERO - 0% rate won't change - even if you're late!
- ZERO turn downs - guaranteed approval*
- ZERO credit requirements
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 0% on purchases | $0 | Poor - Bad No Credit |
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| - Excellent credit required - applicants that do not have excellent credit will not be approved
- Low 7.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- No annual fee
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 7.25% | $0 | Excellent |
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| - Need your cash fast w/ our free direct deposit get paid faster
- No credit check, no debit, no interest
- Free customer service, that includes live agent and automated service!
- Free unlimited signature and PIN transactions
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This is a debit card, not a credit card;
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $0 | Excellent - Good |
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| - 1.25 miles for every dollar spent on purchases
- No limit on the miles you can earn and miles don't expire
- Redeem for Travel, Merchandise, Gift Cards and more
- No blackout dates and no seat restrictions
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 16.90% (V)* | None* | Good |
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| - Card to card transfers between RushCard members
- Free Prescription Discount Card from RushCard - save up to 85% on prescriptions
- Online bill pay, free credit builder, free text alerts
- Free activation with direct deposit before 4/15/10
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This is a debit card, not a credit card;
read more
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - 3 points per dollar spent on eligible Orbitz.com bookings
- Get 1 point per dollar on all other purchases
- Bonus points on eligible Orbitz.com bookings
- No limit on the points you can earn and points don't expire
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 13.90% (V)* | None* | Excellent |
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| - Card to card transfers between RushCard members
- Free Prescription Discount Card from RushCard - save up to 85% on prescriptions
- Free credit builder and account text alerts
- Free direct deposit of tax refunds, anticipation loans and paychecks
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This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
- Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
- 1 point per $1 spent on everything else
- 25 bonus points each billing period you keep your account in good standing by paying on time
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 16.9% (V)* | None* | Good |
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| - Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores.
- 0% APR* on purchases for 6 months if you qualify based on your application and credit history*
- Earn 1 ThankYou Point® for every dollar you spend on all other purchases
- Earn up to 2,000 ThankYou Points® twice a year for maintaining a good GPA
- Redeem points for gift cards, travel, electronics, music and more
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 17.24% - 21.24%(V) | $0 | Excellent - Good |
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| - Earn 5 ThankYou Points® for every dollar you spent on eligible AT&T products and services.
- 0% APR* on purchases for 6 months
- Earn 3 ThankYou Points® for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou Point® for every dollar spent on other purchases
- Additional cards for employees with credit limits you set
- No annual fee
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 16.99%(V) | $0 | Excellent |
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| - Earn triple points on gas, grocery and drug store purchases for your first 6 months.
- Redeem rewards for a check, statement credit, direct deposit or pay down your eligible Bank of America® mortgage
- Points Value: 1 point per $1 in retail purchases and 3 points for every $1 spent on gas, grocery and drugstore purchases for the first 6 months
- Rewards start at: 2,500 points
- Points limit: None
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 12.99-20.99% | $0 | Excellent - Good |
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| - Be financially responsible while you learn to manage your credit
- For full- and part-time students at accredited colleges and universities
- Help protect yourself with the Bank of America® Student Identity Theft Protection Program free for 4 years
- Read tips on building credit and budgeting
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 14.24% | $0 | Excellent - Good |
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| - Earn up to 25,000 Bonus Miles. Earn 20,000 Bonus Miles upon approval and 5,000 additional Bonus Miles after you use your new Alaska Airlines Visa Signature card to make at least $750 in net purchases.
- 3 miles for every dollar in purchases of Alaska Airlines/Horizon Air tickets and vacation packages
- 1 mile for every dollar spent. Every time you use your Alaska Airlines Visa Signature card to make a purchase, you'll earn one mile per dollar spent
- Earn up to 5 miles per dollar at participating restaurants. Your Visa card will be automatically enrolled in Mileage Plan Dining and Hotel Rewards
- 2 Board Room Passes. You'll receive two Board Room passes upon approval
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 12.74-14.24% | $75 | Excellent - Good |
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| - Travel rewards - cardholders who enroll in the program receive one point per net dollar spent.
- Excellent credit required - applicants that do not have excellent credit will not be approved
- Low 9.25% variable standard purchase APR and platinum benefits
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
- Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 9.25% | $0 | Excellent |
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| - 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row
- 3,500 bonus points after $250 in purchases are made within 3 months of account opening
- 2,500 bonus points when you sign up for paperless statements within 3 months of account opening
- 0% APR for 6 months on purchases
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 17.24%(V) | $0 | Excellent - Good |
The Pros and Cons of Prepaid Cards
Prepaid cards offer the convenience of a credit card without the
difficult approval process or risk of getting into debt. These cards
work a lot like a gift card, you will have to load the account with cash
(direct deposit is usually available) before you can use it for a
purchase
Prepaid cards are not credit cards; you cannot spend more than the
balance you have deposited and you will not be charged interest for your
spending. The prepaid account will not be reported to the credit
bureaus as a credit card.
Pros:
- Easy approval process, no credit required
- The same fraud liability protections as a standard credit card
- Easy to use for online or phone purchases
- Access cash from ATM machines
- Less expensive than check cashing services
Cons:
- Expensive fees for opening and maintaining the account
- Fees for loading money on the account or using the card for
purchases
- Very limited, if any, reporting to the credit bureaus
- Does not help improve your credit the same way a credit card
or secured card would
- Much more expensive than opening a checking account and using
an ATM card
Fees and charges can vary significantly between different prepaid credit
card offers. Be sure to read the fee schedule for the prepaid credit
card before you apply.
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