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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.
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Sorry, First PREMIER
offers are no longer available
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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;
read more
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See Details
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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;
read more
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See Details
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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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| - 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
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 11.99-19.99% | $0 | Excellent |
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| - 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
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 13.90% (V)* | $39* | Excellent |
OTHER OPTIONS
View all our credit card offers on one page
Estimate your credit score to receive a custom credit card match
Learn more about credit cards from our experts
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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