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Always read the terms and fees disclosure provided by the credit card issuer on their site before applying. The issuing bank's terms may include more detailed or updated information than presented here.

Sorry, First PREMIER offers are no longer available

UPside Visa® Prepaid Card

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
This is a debit card, not a credit card; read more
See Details

Ongoing Apr	Annual Fee	Credit Needed
N/A	$0	Excellent - Bad No Credit

NetSpend® Visa® Prepaid Debit Card

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
This is a debit card, not a credit card; read more
See Details

Ongoing Apr	Annual Fee	Credit Needed
N/A	$0	Excellent - Bad No Credit

Discover® More® Card - Wildlife Collection

Up to 5% cashback bonus.
5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
Up to 1% unlimited Cashback Bonus® on all other purchases
5% to 20% Cashback Bonus® through our exclusive online shopping site
See Details

Ongoing Apr	Annual Fee	Credit Needed
11.99-19.99%	$0	Excellent

Capital One® No Hassle Miles^sm Ultra - for Professionals

2 miles for every dollar spent on purchases
No limit on the miles you can earn and miles don't expire
No blackout dates and no seat restrictions
Use miles for Travel, Merchandise, Gift Cards and more
See Details

Ongoing Apr	Annual Fee	Credit Needed
13.90% (V)*	$39*	Excellent

OTHER OPTIONS

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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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