Prepaid Cards

Below you will see a chart of some of the leading prepaid cards in the US. Prepaid Cards offer a great alternative to traditional credit cards, without the danger of falling into debt. Choose from, prepaid cards, reward cards, gift prepaid cards and prepaid credit cards for parents to give to their kids. Notice that the prepaid cards are usually provided by one of the main credit cards issuers. This gives you added simplicity and convenience for worldwide spending, anytime and anywhere. Because prepaid cards do not offer credit facilities, you won't need to pass a credit check, and online approval for prepaid credit cards can be as quick as a few minutes. You can compare different prepaid credit cards below.

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COMPANYTYPE

TYPE

Type of prepaid card: pay as you go or pay monthly

ISSUER

ISSUER

Credit card Issuer

COST

COST

Cost of prepaid card

MAX

MAX

Maximum balance you can load onto your card

MONTHLY FEE

MONTHLY FEE

Monthly fee for prepaid card

PURCHASE BALANCE

PURCHASE BALANCE

Amount it costs to use card at point of sale

ATM FEE

ATM FEE

Fees for withdrawing cash at ATMs

UNDER 18

UNDER 18

Card available to those under 18

SMS SERVICES

SMS SERVICES

Card information available

MONEY SHARE

MONEY SHARE

Money share facility available

TOP UPS

TOP UPS

Methods and cost topping up the card

MORE INFO

The READYdebit Visa Prepaid Card
The READYdebit Visa Prepaid Card

Pay As You Go Prepaid CardVisa Card$9.95$10,000$4.95 - $8.95$0.00$2.25NoYesNoTop Up

Top Ups

Retail Cash Load - Free Direct Deposit - Free Bank ACH Transfer - Free

The READYdebit Visa Prepaid Card
When you sign up for the The READYdebit Select card you can receive free online bill pay, free online check writing, access to over 1 million ATM’s and no overdraft fees. You don’t have to worry about additional fees for checking your balance and you can sign up online by filling out a simple, hassle free form. DETAIL INFORMATION >>Services

Services

1. Free direct deposit to your READYdebit card account.


Advantages

Advantages

1.Exclusive Rewards Program 

2.Free Credit ScoreTracker1 
3.Easy Mobile Account Access and Text Alerts 
4.Easy Online Bill Payment & Check Writing 
5.Free Direct Deposit - paycheck, benefits, tax refunds 
6.No Credit Check, No Overdraft Fees or Balance Minimums 
7.Deposit is fully FDIC insured


Disadvantages

Disadvantages

1. You must deposit your own money before using your READYdebit card.
2. The maximum value load you may place on your Card with cash is $2,500 per day

Account Now
Account Now

Pay As You Go Prepaid CardVisa Card$4.95$10,000$9.95$0.00$2.50YesYesNoTop Up

Top Ups

1. Adding Money by Direct Deposit - Free (Plus, Get a $25 Credit)
2. Adding money by cash - Free

Account Now
The Account Now Prepaid Visa Card is free to sign up to and you will not be charged anything until you decide to start using your prepaid card. These prepaid credit cards offer many advantages. It's free, convenient, and saves you $320 a year in typical check cashing fee. Sign up online and instant approval is guaranteed. DETAIL INFORMATION >>Services

Services

1. $25 bonus when you set up a direct deposit.
2. It's free, convenient, and saves you $320 a year in typical check cashing fees.
3. The minimum age to apply for a prepaid account is 14 years old.


Advantages

Advantages

1. Get Paid up to 2 days faster with Free Direct Deposit  - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday. 

2. 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required. 
3. $0 Activation Fee. No Minimum Balance. No Overdraft fees. 
4. $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster. 
5. Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more. 
6. Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds 
7. BBB Accredited A+ Company. Excellent Customer Service


Disadvantages

Disadvantages

1. Initial fee of $4.95.
2. There is an ATM fee of $ 2.50.
3. $1 on each transaction for Purchase Transactions

Pink ACE Elite™ Visa® Card
Pink ACE Elite™ Visa® Card

Pay Monthly Prepaid CardVisa Card$0varies, depending on planup to $9.95, depending on planincluded$2.50NoYesYesTop Up

Top Ups

Transfer, direct deposit and more

Pink ACE Elite™ Visa® Card
Spend and receive money the smart way and help to fight breast cancer the same time! Fill out a simple form and have your payroll and government payments directly loaded onto the card. This way you get paid much faster. Every time you make a payment with your Pink ACE Elite Visa Card a donation automatically goes to fight breast cancer. DETAIL INFORMATION >>Services

Services

Direct deposit,card-to-card transfer


Advantages

Advantages

1.Official Sponsor of the National Breast Cancer Foundation (NBCF)
2.Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
3.Enroll in direct deposit today - receive your account number immediately.
4.Need your money before payday? Get paid up to 2 days faster with direct deposit.
5.Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.
6. Mobile account access - available on GooglePlay and Apple App Store.
7.Always know your balance- by mobile app, email, or text message. Standard data rates apply.
8.Earn cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.


Disadvantages

Disadvantages

Fees may apply to reload your ACE Elite Prepaid Card

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Compare Prepaid Cards

Prepaid Cards – The credit alternative where you won’t get into debt!

What is a Prepaid Card and how are they different to Credit Cards?

Prepaid cards can be used the same as credit cards but you don’t have the credit. A prepaid card is not a credit facility and because you are not borrowing any money there are no credit checks. Even if you have bad credit you a guaranteed to be approved for a prepaid card. You can usually get a prepaid card even if you are under 18. Prepaid cards are widely accepted and can be used internationally. With most accounts you will be given an online account so you easily view your balance and transactions. Also if your card gets lost or stolen, the remaining balance will be transferred to a new account and you will receive a replacement card. Prepaid cards are much safer than carrying around cash which you are unlikely to see again if it gets lost or stolen.

The way prepaid cards work is that you set the amount that you want on the card. Once this amount is loaded you can spend as you please until the funds on the card run out. You then have to top up the card with funds to use it again. Only transactions up to the balance loaded onto the account will be authorised so you can only spend what you have paid in.

Avoid getting into debt with a Prepaid Card?

With a prepaid card you will not get into debt because you are in complete control of your funds. There are no overdraft facilities and you cannot spend what you have not put on the card. You will never have to deal with interest charges and late payment fees that are associated with credit cards. You are not borrowing money that you have to worry about paying back.

Prepaid Cards – What do you need to know?

It is worth bearing in mind that different prepaid cards come with different fees and charges. Some cards will charge a monthly fee and some card providers will an application fee just for issuing you with the card. Some cards will have a maximum balance which might affect your decision and it is also likely that you will be charged for withdrawing money from cash machines and for making transactions abroad. You can usually choose between a ‘Pay as you go’ or a ‘Pay monthly’ tariff and again these will have different features and charges that you should take into consideration.

How do you choose the right Prepaid Card for you?

As prepaid cards are becoming increasingly popular there are a wide range of prepaid cards available for you to choose from. Use the comparison table above to weigh up the pros and cons of some of the leading prepaid cards to find the best card plan to suit your needs. Read the terms and conditions fully before applying and watch out for any fees.

Prepaid Cards - Latest News News and Charts

Gift Cards. The perfect Christmas present

20 December 2013
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It is that time of year again! If you are stuck for Christmas present ideas then you should think about buying a gift card.

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Help to fight breast cancer with the Pink ACE Elite Visa Card

18 December 2013
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For each payment you make with your Pink ACE Elite Visa Card a portion of the money will go to fight breast cancer

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Important fees to take into consideration when choosing a prepaid card

12 September 2013
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What are the typical charges that are associated with prepaid cards and how should I avoid them?

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Prepaid cards – safe and convenient spending

03 August 2013
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If you find yourself overspending at the end of the month then a prepaid card could be the answer to your problems. Ensure you take control of your spending with a prepaid card

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Poor credit rating cards or prepaid cards?

29 May 2013
Mark Maffia

If you have a poor credit rating but don't want to do without the advantages of a credit card, you have the option of applying for bad credit rating card, or you can opt for a prepaid card.

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