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- The new Discover it card is out to change the way people think about credit cards.
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| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% |
Intro:
0%
18 months | 10.99-22.99% (V)* | $0 | Excellent |
- The new Discover it card is out to change the way people think about credit cards.
...
more details
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% |
Intro:
0%
14 months | 10.99-22.99% (V)* | $0 | Excellent |
- Earn 50,000 bonus points after you spend $5,000 in the first 3 months from account opening
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| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | N/A | $0 Intro Annual Fee for the first year. After that, $95. | Excellent |
- Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership.
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more details
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | N/A | $0 introductory annual fee for the first year, then $175 | Excellent |
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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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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.
