Credit Cards & PrePaid Cards

Searching for the best deals on credit or prepaid cards? Credit.com makes it easy to research, compare and apply securely online for all types of cards. Our expert team continually researches the market to provide the very best credit cards and prepaid cards available. Get started by choosing an "Expert Pick" or by clicking on one of the icons below to search for cards by category.

Cards for Bad Credit	PrePaid & Debit	Secured Cards
Student Cards	Cards for No Credit	Rewards Cards
Gas Cards	Low APR Cards	Balance Transfer

See All Cards for Bad CreditTop Card for Bad Credit

Centennial® Credit Card

Convenient 24-hour account access by phone
The online application is safe, secure, and simple
Monthly reporting to major Consumer Reporting Agencies
See website for terms and conditions
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Ongoing Apr	Annual Fee	Credit Needed
See terms	See terms	Poor - Bad No Credit

See All Debit & PrePaid CardsTop Debit & PrePaid Card

UPside Visa® Prepaid Card

Save up to $230 compared with other prepaid cards
$0 activation fee. $0 monthly fee with total load of $400 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
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Ongoing Apr	Annual Fee	Credit Needed
N/A	$0	Excellent - Bad No Credit

See All Rewards CardsTop Rewards Card

Discover® More® Card - Clear

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

See All Student CardsTop Student Card

Discover® Student Card

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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Ongoing Apr	Annual Fee	Credit Needed
14.99%	$0	Excellent - Good

See All Secured CardsTop Secured Card

Public Savings Secured Visa® Credit Card

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
11.24%	$0	Poor - Bad No Credit

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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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