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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.

« Compare up to 4 cards

Chase Sapphiresm Credit Card

  • Earn 10,000 bonus points after you spend $500 in the first 3 months - that's $100 toward travel or any other reward!
... more details

Our Credit Card Review


Are you looking for a credit card with low rates and an enriched rewards program? Look no further ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A15.24% (V)15.24%$0Excellent - Good
 

Credit One Bank Platinum Visa®

  • Pre-Qualify for a Visa credit card without affecting your credit score
... more details

Our Credit Card Review

Coming soon...

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/A23.90%See WebsiteFair - Bad
 

Capital One® Venturesm Rewards Credit Card

  • Earn 2 miles per $1 spent on all purchases
  • Money Magazine's® "Most Rewarding Card if you crave free airline flights"
... more details

Our Credit Card Review


Airline tickets can get expensive, but with the Capital One® Venturesm Rewards card, you can earn ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A13.9-20.9% (V)13.9-20.9% (V)$0 intro for first year; $59 after thatExcellent - Good
 

IBERIABANK Visa® Gold

  • No annual membership fee
... more details

Our Credit Card Review


The IBERIABANK Visa® Gold credit card offers consumers truly excellent features and benefits. You ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A Intro: 1.99%
6 months
9.25-15.25% Variable$0Excellent
 

Ritz-Carlton Rewards® Credit Card

  • The world-class service you experience when staying at The Ritz-Carlton can always be within reach with The Ritz-Carlton Rewards® Credit Card.
... more details

Our Credit Card Review


The Ritz-Carlton Rewards Credit Card is designed for the consumer who enjoys the good things in ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A15.24%15.24%$395Excellent
 

Orchard Bank Visa® Cards

  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
... more details

Our Credit Card Review


The Orchard Bank Visa® Cards are issued by Capital One (USA), N.A. These cards are designed to ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A14.99% or 24.99%, or 7.90% for secured cards 14.99% or 24.99%, or 7.99% for secured cards $39 or $59 for the first year, or $0 - $49 Introductory the first year, then either $35 or $59 per year thereafterPoor - Bad
No Credit
 

Capital One® Sparksm Cash Select for Business

  • Get a 50% bonus on the cash you earn every year
... more details

Our Credit Card Review


The Capital One® Sparksm Cash Select for Business credit card offers small business owners a ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0% Until December 201214.99%-19.9% (V)14.99%-19.9% (V)$0Excellent
 

Capital One® Sparksm Miles Select for Business

  • Get a 50% bonus on the miles you earn every year
... more details

Our Credit Card Review


The Capital One® Sparksm Miles Select for Business credit card offers small business owners a ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0% Until December 201214.9%-19.9% (V)14.9-19.9% (V)$0Excellent
 

United MileagePlus®Explorer

  • Earn up to 40,000 bonus miles and first year free, a $95 value*
... more details

Our Credit Card Review


If you fly frequently on United Airlines or on Continental, the United MileagePlus® Explorer is an ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A15.24% (V)15.24% Variable$95, waived the first yearExcellent
 

Capital One® VentureOnesm Rewards Credit Card

  • 1.25 miles per dollar on every purchase, every day
  • Earn 10,000 bonus miles, equal to $100 in travel
... more details

Our Credit Card Review


Many consumers may have tried to find a credit card that carries both a low annual percentage rate ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0% Until June 201211.9-19.9% (V)11.9-19.9% (V) $0Excellent - Good
 

Slate® from Chase - No Balance Transfer Fee

  • No Balance Transfer Fee!*
... more details

Our Credit Card Review


If you're looking for a balance transfer credit card, take a look at Slate® from Chase  No Balance ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0% Intro: 0%
For the first 15 months
11.99-21.99% Variable$0Excellent
 

AccountNow® Gold Visa® Prepaid Card

  • 100% guaranteed approval*
... more details

Our Prepaid Card Review


Many Americans frustrated with high annual percentage rates and confusing terms and conditions opt ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

Chase Freedom Visa® $100 Bonus Cash Back + 0% Intro APR

  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
... more details

Our Credit Card Review


If you're looking for a credit card with generous cash back rewards and a zero percent ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0%0% for the first 15 months12.99-22.99%(Variable)$0Excellent - Good
 

Hilton HHonors® Visa® Signature Card®

  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
... more details

Our Credit Card Review


The Hilton HHonors® Visa® Signature Card® offers a robust rewards program to travelers who prefer ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/A14.24% (V)$0Excellent
 

Capital One® Sparksm Classic for Business

  • Enjoy no annual fee
... more details

Our Credit Card Review


The Capital One® Sparksm Classic for Business credit card is a good option for small business owners ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A22.9% (V)22.9% (V)$0Fair
 

Sony Card from Capital One®

  • 5 points per $1 on Sony purchases at authorized retailers
  • 3 points per $1 on dining out and movie purchases
... more details

Our Credit Card Review


The Sony Card from Capital One® is for consumers who are loyal to the Sony brand. But the great ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0% Until April 201313.9-24.9% (V)13.9-24.9% (V) $0Excellent - Good
 

Citi® Dividend Platinum Select® Visa® Card

  • $100 cash back after $500 in purchases within the first 3 months of account opening
... more details

Our Credit Card Review


With the Citi® Dividend Platinum Select® Visa®, you get an excellent rewards program that gives you ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0% Intro: 0%
12 months
12.99-22.99% Variable$0Excellent
 

Journeysm Student Rewards from Capital One®

  • Designed to help students build good credit with responsible use
... more details

Our Credit Card Review


If you're a student who needs to build a credit history, the Journeysm Student Rewards from Capital ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A19.8% (V)19.8% (V)$0Fair
 

Visa® Platinum from Credit One Bank

  • Get Pre-Qualified in less than a minute
... more details

Our Credit Card Review

Coming soon...

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/A23.90%See WebsiteFair - Bad
 

Citi Forward® Card

  • Credit needed: EXCELLENT CREDIT
  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
... more details

Our Credit Card Review


Do you use your credit card for everyday purchases and leisure activities? If so, why not get paid ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0% Intro: 0%
12 months
12.99-22.99%(Variable)$0*Excellent - Good
 

Chase Sapphire Preferredsm Credit Card

  • Earn 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!
... more details

Our Credit Card Review


If you're a frequent flyer and you like the flexibility of flying on different airlines, you'll ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A15.24% (V) 15.24% (V)$95 Annual Fee, Waived for the First YearExcellent
 

Citi® Platinum Select® Visa®

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
... more details

Our Credit Card Review


The Citi® Platinum Select® Visa® credit card offers a zero percent introductory APR on purchases ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0% Intro: 0%
18 months
11.99-21.99%(Variable)$0Excellent
 

Citi® Platinum Select® / AAdvantage® Visa® Signature Card

  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of cardmembership*
... more details

Our Credit Card Review

Coming soon...

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/A15.24%$95 waived for the first 12 monthsExcellent
 

Prepaid Visa® KLS RushCard

  • Free Direct Deposit - sign up now and have a safe place to put your tax refund
... more details

Our Prepaid Card Review

Coming soon...

Apply Now
Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

READYdebit® Prepaid Visa® Card

  • 100% Guaranteed Approval* - No Credit Checks
... more details

Our Prepaid Card Review


The READYdebit Prepaid Visa Card is a debit card and is designed to give consumers with poor credit ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/A$0Excellent - Bad
No Credit
 

Applied Bank® Secured Visa® Gold Credit Card

  • Better Than a Prepaid...Go with a Secured Card!
... more details

Our Secured Card Review


If you're looking for a secured credit card that doesn't charge an account set up fee, check out ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/A9.99% Fixed$50Poor - Bad
No Credit
 

Capital One® Sparksm Miles for Business

  • Earn 2 miles per dollar on every purchase, every day
... more details

Our Credit Card Review


The Capital One® Sparksm Miles for Business credit card is a great choice for small business owners ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A13.9% (V)13.9% (V)$0 intro for the first year; $59 after thatExcellent
 

READYdebit® Platinum Visa® Prepaid Card

  • Free Direct Deposit - paycheck, benefits, tax refunds
... more details

Our Prepaid Card Review


The READYdebit Platinum Visa Prepaid Card is similar to a credit card without all the risk. With ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

Baby Phat Prepaid Visa® RushCard

  • Free Direct Deposit - sign up now and have a safe place to put your tax refund
... more details

Our Prepaid Card Review


Do you enjoy the convenience of carrying plastic without the hassle of high annual percentage ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

Green Dot® Gold Prepaid Visa® Card

  • $0 activation online - with no credit check!
... more details

Our Prepaid Card Review


If you are looking for a card that gives you spending flexibility without charging large fees and ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

Walmart MoneyCardsm Visa® Prepaid Card

  • No issuance fee online
... more details

Our Prepaid Card Review


If you're having trouble qualifying for a credit card, the Walmart MoneyCard Visa® Prepaid Card ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

PEX Visa® Prepaid Card For Business

  • Instantly fund employee purchases.
... more details

Our Prepaid Card Review


If you're a business owner and you can't get-or don't want-a credit card, the PEX Visa® Prepaid ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

Applied Bank® Visa® Business Card

  • Less than Perfect Credit? No Problem! Easy Approval!!
... more details

Our Credit Card Review


The Applied Bank® Visa® Business is designed for small business owners who have less-than-perfect ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/A23.99%See TermsFair - Poor
 

Black Diamond Prepaid Visa® RushCard

  • Free Direct Deposit - sign up now and have a safe place to put your tax refund
... more details

Our Prepaid Card Review


The Black Diamond Prepaid Visa RushCard is a good option if you are interested in saving money on ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

iBankUp Visa® Prepaid Card

  • Similar to a checking account, even if you have bad credit.
... more details

Our Prepaid Card Review


If you're looking for a way to control your spending, the iBankUp Visa® Prepaid Card might be just ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

Purple Diamond Prepaid Visa® RushCard

  • Free Direct Deposit - sign up now and have a safe place to put your tax refund
... more details

Our Prepaid Card Review


The Purple Diamond Prepaid Visa RushCard is a prepaid card that gives you a better alternative to ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

Platinum Zero® Secured Visa® Credit Card from Applied Bank®

  • ZERO - 0% FIXED APR on purchases - No Intro Rates!
... more details

Our Secured Card Review


Are you looking for a secured credit card that carries no interest rates on all purchases, no ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/A0% on purchasesSee TermsPoor - Bad
No Credit
 

AccountNow® Prepaid Visa® Card

  • $0 Monthly Fee
... more details

Our Prepaid Card Review


The AccountNow® Prepaid Visa® Card is a good option for anyone who either doesn't qualify for a ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

UPside Visa® Prepaid Card

  • Save up to $220 compared with other prepaid cards
... more details

Our Prepaid Card Review


If you want greater control over you money without running the risk of incurring credit card debt, ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

Citi® Dividend Platinum Select® Card for College Students

  • No cosigner required
... more details

Our Credit Card Review


Are you a college student looking for a credit card that gives you great cash back rewards with ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0%13.99%-21.99% (Variable)13.99-21.99%(Variable)$0*Excellent - Good
 

Citi Forward® Card for College Students

  • No cosigner required
  • APR reduction on purchases when using credit wisely
... more details

Our Credit Card Review


Most student credit cards reward students just for spending money with their accounts but the Citi ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0%13.99%-22.99% (Variable)13.99-22.99%(Variable)$0*Excellent - Good
 

Prepaid Visa® Dynasty RushCard

  • Free Direct Deposit - sign up now and have a safe place to put your tax refund
... more details

Our Prepaid Card Review

Coming soon...

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

MTV® Visa® Card from Capital One®

  • 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
... more details

Our Credit Card Review


Spend less on entertainment, restaurants, sporting events and movies with the MTV Visa Card from ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0%Until June 201313.9-19.9% (V)13.9-19.9% (V) $0Excellent - Good
 

Prepaid Visa® Pink Diamond RushCard

  • Free Direct Deposit - sign up now and have a safe place to put your tax refund
... more details

Our Prepaid Card Review


With the Prepaid Visa® Pink Diamond RushCard, you get free direct deposit as well as access to ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

UPside Student Prepaid Visa® Card

  • A card truly designed for the 13-25 age group and their parents
... more details

Our Prepaid Card Review

Coming soon...

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

Capital One® Sparksm Cash for Business

  • Earn 2% cash back on every purchase, every day
... more details

Our Credit Card Review


The Capital One® Sparksm Cash for Business credit card offers small business owners a cash back ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A13.9% (V)13.9% (V)$0 intro for the first year; $59 after thatExcellent
 

Capital One® Orbitz® Visa® Platinum

  • 3 points per dollar spent on eligible Orbitz.com bookings
  • Get 1 point per dollar on all other purchases
... more details

Our Credit Card Review


If you're a loyal Orbitz traveler, you may be interested in the Capital One card that provides ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0% Until June 201313.9-19.9% (V)13.9-19.9% (V) $0Excellent - Good
 

British Airways Visa Signature Card®

  • You will get 50,000 bonus Avios after your first purchase
... more details

Our Credit Card Review

Coming soon...

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A15.24% Variable15.24% Variable (Variable)$95Excellent
 

Southwest Airlines Rapid Rewards® Plus Credit Card - FREE FLIGHT

  • NOW! Earn a FREE FLIGHT after your first purchase
... more details

Our Credit Card Review

Coming soon...

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A15.24%15.24%$69Excellent
 

The Hyatt Card

  • Begin with 2 Award Nights at Hyatt properties worldwide, after making your first purchase with the Hyatt Credit Card
... more details

Our Credit Card Review


If you travel frequently and enjoy staying at Hyatt hotels and resorts, then The Hyatt Card might ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A15.24% Variable15.24% Variable$75Excellent
 

Marriott Rewards Premier® Credit Card from Chase

  • Earn 50,000 Bonus Points after your first use
... more details

Our Credit Card Review


If you love Marriott hotels, you're in for a treat with this card. You get a truly top-tier rewards ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A15.24% (V)15.24% (V)First Year Free, $85Excellent
 

Marriott Rewards® Credit Card

  • Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that's enough up to 6 free nights at a category 1 hotel
... more details

Our Credit Card Review

Coming soon...

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A14.24% (V)14.24% (V)First Year Free, $45Excellent
 

mPower™ Visa® Prepaid Card

  • Fast, easy application - No Credit Checks
... more details

Our Prepaid Card Review


If you're having trouble qualifying for a credit card, the mPower™ Visa® Prepaid Card is an ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

Visa Black Card

  • 24-hour concierge catering to all of your entertainment, travel, business, and lifestyle needs
  • Unlimited VIP airport lounge visits
... more details

Our Credit Card Review


The Visa Black Card offers a flexible rewards program plus exceptional travel perks. This striking ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A Intro: 0%
15 months
14.99%$495Excellent - Good
 

Simmons First Visa® Platinum Rewards

  • 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
... more details

Our Credit Card Review


Have you ever wanted a credit card with a top-notch travel rewards program that offers tickets on ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A9.25%9.25%$0Excellent
 

Simmons First Visa® Platinum

  • Excellent credit required - applicants that do not have excellent credit will not be approved
... more details

Our Credit Card Review


If you have great credit, you may be rewarded with low annual percentage rates with the Simmons ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A7.25%7.25%$0Excellent
 

Prepaid Visa® RushCard

  • Free Direct Deposit - sign up now and have a safe place to put your tax refund
... more details

Our Prepaid Card Review


The Prepaid Visa RushCard may be perfect for you if you're looking for convenience, limited fees ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/AN/AExcellent - Bad
No Credit
 

IBERIABANK Visa® Select

  • Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. This rate will not change during the introductory period.
... more details

Our Credit Card Review


If you're looking for a credit card with a low introductory APR on purchases and balance transfers, ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A Intro: 1.99% or 7.50% based on creditworthiness
12 months
7.50%-11.50% variable$35Excellent
 

IBERIABANK Visa® Platinum

  • Earn 1 bonus point for every $1 in qualifying net retail purchases, can redeem for merchandise with as little as 700 points.
... more details

Our Credit Card Review


The IBERIABANK Visa® Platinum has a rare combination of features. With this card, you get reward ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A Intro: 1.99%
6 months
9.25-15.25% Variable$0Excellent
 

IBERIABANK Visa® Classic

  • No annual membership fee
... more details

Our Credit Card Review


If you're looking for a credit card with a low APR and no annual fee, then the IBERIABANK Visa® ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A Intro: 1.99%
6 months
7.25-13.25%$0Excellent
 

NetSpend® Visa® Prepaid Debit Card

  • 100% Approval - No credit check required*
... more details

Our Prepaid Card Review


The Netspend® Prepaid Visa® Card is an option for consumers who don't have a checking account or a ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/AN/A$0Excellent - Bad
No Credit
 

Open Skysm Secured Visa® Credit Card

  • No Credit Check
... more details

Our Secured Card Review

Coming soon...

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A14.25%14.25% Variable$50Poor - Bad
No Credit
 

AT&T® Universal Business Rewards Card

  • Earn 5 ThankYou Points® for every dollar you spent on eligible AT&T products and services
  • Designed for businesses with an established credit history
... more details

Our Credit Card Review


The AT&T Universal Business Rewards card may be a great choice for business owners and employees ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0%N/A14.24%(Variable)$0Excellent
 

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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FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card offer.

*For complete information, see the terms and conditions on the credit card issuer's web site. Once you click to apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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