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The American DreamCard™ Platinum MasterCard®, issued by HSBC Bank Nevada, N.A., is an ideal credit card for those with very good credit who are looking for an average platinum card with a monthly cash sweepstakes program. Through the American DreamCard™ Sweepstakes program, one entry is awarded for each dollar spent in purchases, cash advances, and balance transfers. Cardholders also receive 1,000 bonus entries when they apply online. Each month, one winner will be selected for a cash prize of up to .50% of the total amount of net dollars spent by the participating American DreamCard™ cardholders during the corresponding drawing period. The card also offers a referral program that rewards cardholders with 50 entries for each referral, plus a signing bonus of 1,000 entries for each referral who becomes a cardholder. The card has a variable interest rate on all transactions. It is important to note that the APRs for all transactions are tied to the highest Prime Rate during a three-month period. Therefore, due to this policy, the lowest possible interest rates may never be reached. Aside from the sweepstakes program, the card does not offer any common benefits that are associated with most platinum status credit cards. Therefore, those who qualify for the lowest rate offered and will take advantage of the American DreamCard™ Sweepstakes will benefit most from what the American DreamCard™ Platinum MasterCard® has to offer.

The BuyRIGHT Pre-Paid MasterCard®, issued by MetaBank, is a stored value card designed for those who would like to take advantage of the rewards program and the shopping membership that this card has to offer. This stored value card does require payment of an initial load of $20. Funds may be loaded onto the card in numerous ways and although fees do apply to most funding methods, there is no charge to fund the card via direct deposit. Funds loaded to the account are available for future purchases made with the card. The card has a $29.95 account set-up fee, and cardholders have the option of choosing between paying a monthly fee of $4.95 or paying no monthly fee with a per transaction fee of $1. If the cardholder plans to make at least five card transactions per month, it would be beneficial to pay the monthly fee, since any more than five transactions would result in fees that would exceed the set monthly fee. Cardholders will have the option to sign up for the Credit Building Program. The program allows customers to make purchases online at SmartCreditShopping.com through a pre-approved $7,500 line of credit. The $7,500 credit line available for this membership is separate from that of the BuyRIGHT Pre-Paid MasterCard® Card. It is important to note that at least a $10 deposit is required for merchandise purchases. The cardholder's new account as well as their monthly payment history will then be reported to at least one major credit bureau. Through the BuyRIGHT Rewards Program, cardholders earn one point per dollar spent on general purchases. No yearly limit or expiration applies to these points. Cardholders can redeem points for ring tones, music downloads, prepaid wireless airtime, and long-distance calling cards. Cardholders will also have access to the BuyRIGHT Cash Back referral program, which will reward them with $5 if they sign up for direct deposit within 30 days and $25 for every cardholder that they refer. Therefore, those who are looking for a low cost option to build credit and would like to take advantage of the various programs may find the BuyRIGHT Pre-Paid MasterCard® to be more than adequate.

The Vision Silver(SM) Prepaid MasterCard®, issued by MetaBank, is ideal for people who are finding it difficult to obtain either a secured or an unsecured credit card. Applicants will not have to go through a credit check because approval is guaranteed. With this prepaid card, cardholders fund their own credit lines, which eliminates the risk of owing creditors. As with most prepaid cards, this card has several fees associated with usage*. To start, cardholders will be charged an activation fee of $9.95. Every month thereafter, they will be charged $3.95 monthly. For the first year, cardholders can expect to pay $57.35 for these two fees combined. There is also a $25 shortage fee, which cardholders are charged whenever their accounts go into negative territory. Additional fees apply with ATM usage, PIN transactions, and cash advances. Please review the issuer's website for further details on all fees. While this card may come with many fees, it also has a number of free features available to all cardholders. These free features include unlimited signature transactions, online access to statements, e-mail and text message alerts, and automated customer service. The Vision Silver(SM) Prepaid MasterCard® is a good option for people who want to make electronic transactions but who don't want, or can't get, a traditional credit card. *See terms and conditions for complete details.

The AccountNow® Prepaid MasterCard®, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card. Although the card does not require a banking account to be opened, it does require payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by wiring money from an established bank account or through MoneyGram® ExpressPayment®. It is important to note that there are some fees associated with this card that include an account set up fee of $9.95 (waived with direct deposit loads) and a monthly participation fee of $9.95, which amounts to $119.40 annually. There is no additional charge for U.S. purchases. So, in the first year alone, a cardholder can expect to pay a minimum total of $129.35 in fees. It is common for stored value cards to lack benefits; however, this card does offer a free bill pay service (for the first seven transactions each month) and access to a free credit builder service, which reports bill payment information to a national credit reporting agency. Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases, do not mind paying upfront fees, and would like the opportunity to participate in the credit builder service will find the AccountNow® Prepaid MasterCard®, to be a beneficial option. This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan). AccountNow Prepaid MasterCard is issued by MetaBank pursuant to license by MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. iAdvance is an open end line of credit offered by MetaBank, a federally chartered savings association located in Sioux Falls, S.D. certain fees and eligibility requirements apply. Consult the iAdvance Terms and Conditions for further details. *Subject to ID verification. Cardholders must complete a separate application for iAdvance Line of Credit. Certain fees and eligibility requirements apply.

The Facecard Prepaid MasterCard®,issued by MetaBank, is the equivalent of having a prepaid card, gift card and cash all rolled into one. This prepaid, reloadable card is a safe alternative to credit card debt, and can be used anywhere that MasterCard® is accepted, including ATMs. With the Facecard Prepaid MasterCard®, cardholders enjoy free activation and no annual or monthly fees. Cardholders also receive Prewards®, which are like coupons, put directly on the card. The Facecard Prepaid MasterCard&#174 doesn't carry the risk of debt or overdraft fees because you cannot spend beyond what you have on the card. Reloading your card is easy. Simply transfer funds from your bank account, and they will become available within 4-7 business days. You can also have your paychecks automatically deposited to your card through direct deposit. Or put money onto your card from your credit or debit card. However, there is a maximum total balance of $2,500 allowed for this card. The Facecard offers convenience by allowing you to manage your account online with 24/7 online account access. You can set your notification preferences and receive email and/or text message alerts about account activity. The Facecard Prepaid MasterCard&#174 also offers a Prewards® program. You automatically receive Prewards once you sign up for a Facecard. A preward is a digital incentive, or coupon, that is automatically added to your Facecard. Merchants in the partner network send digital incentives to your Facecard that you can enjoy at restaurants, stores, and other businesses. For example, if you have a $2 Preward for your favorite burrito place, and a burrito costs $5, only $3 will be deducted from your Facecard when you purchase a burrito. While this card offers convenience and no set up fees, there are other fees associated with it. There is an ATM fee of $1.50 per transaction and an international purchase fee of $.50. If you choose to have your monthly statement printed and mailed to you, the cost is $2.95. Other fees include $9.95 for card replacement, a $9.95 shortage fee, a $19.99 chargeback processing fee, and a $4.95 inactive account fee.

The Millennium Advantage Pre-Paid MasterCard®, issued by New Millennium Bank, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card. This card requires the cardholder to make payments in advance, which are then used to offset future purchases made with the card. The card can be loaded by account-to-account transfers via the Internet, through payments sent by mail, or at load stations from authorized load partners. There is a $1 fee charged for every reload. There are other fees associated with this card as well, including an activation fee of $99.00 and a monthly participation fee of $5.95 ($71.40 annually). In the first year alone, a cardholder can expect to pay a minimum total of $170.40 in fees. It is important to note this card does not report cardholder transactions to credit bureaus, which may be considered a major drawback for those who are trying to establish credit. Therefore, those who are looking for a stored value card and do not need to build credit may find the Millennium Advantage Pre-Paid MasterCard® to be a suitable option.

The Next Millennium MasterCard®, issued by New Millennium Bank, is a secured card designed for people who have no credit history or who have had problems with credit in the past. This secured card establishes an interest yielding collateral savings account on behalf of the cardholder. Each deposit is funded by the cardholder and is applied to the credit limit, which can be as much as $5,000. Currently, the savings account earns an APR of 3% (6% for the first three months, 2% for the next nine months). Because the savings account serves as collateral for the secured card, cardholders will not be able to withdraw money from the account. The card has a fixed APR for both purchases and cash advances. The APR is considered high, even for a secured credit card. There is a $59 annual fee that applies for this card. This is in addition to the initial $35 processing fee (for one card) or a $49 fee (for two cards). If a cardholder is applying with a co-applicant, a $10 processing fee will be required. If a cardholder requires rush processing, the fee for that service is $10. There are no monthly activity fees for this card. If you are not approved for this credit card offer, the application fees will be refunded. The Next Millennium MasterCard® is a good option for people who need to establish credit history with the three major credit bureaus, while earning interest on the amount deposited as collateral on the account.

The Eufora Prepaid MasterCard® with Credit Builder - Elite Level, issued by The Bancorp Bank, is a stored value card designed for those who have fair, poor, bad, or no credit history and would like to rebuild their credit, as well as have the chance to earn income for referrals. Not often do prepaid cards offer benefits; however, the Eufora Prepaid MasterCard® with Credit Builder - Elite Level offers a unique income opportunity for cardholders. Each time a cardholder refers a new applicant to the Eufora™ Elite MasterCard®, that cardholder will earn $90 per year if the referred applicant is approved and maintains their membership in good standing. Each time a cardholder refers a new applicant to the Eufora™ Preferred MasterCard®, that cardholder will earn $50 per year if the referred applicant is approved and maintains their membership in good standing. Lastly, each time a cardholder refers a new applicant to the Eufora™ Associate MasterCard®, that cardholder will receive $20 per year if the referred applicant is approved and maintains their membership in good standing. At the Elite level, the cardholder earns “commissions” for referrals at every card level. The two lower earning levels (Associate and Preferred) have lower annual fees, but the referral fees are considerably less. For instance, if an Associate level cardholder refers an Elite level cardholder, that cardholder will receive $20 as opposed to $50. The annual fee for the card is $99.95 per year, and is currently being waived for the first two years. In addition to the unique income program, the card offers the following benefits: purchase protection, auto rental insurance, and up to $200,000 in travel accident insurance. In order to use the card, cardholders need to first make a deposit in advance for a set amount (ranging between $5 to $5000 per deposit), which determines the amount that can be spent on the card. For instance, if an individual were to deposit $100, they could only use up to $100 of credit for future purchases (there is a maximum of $5,000 that can be held in the account at any one time). Funds may be loaded onto the card through an existing checking or savings account ($300 maximum), money orders, bank wire transfers, payroll direct deposits, or retail locations. Eufora™ may also load the card directly from earned referrals (subject to their terms and conditions). For those who wish to establish or rebuild their credit, the card offers a service called “Credit Builder” which reports to a credit bureau. The service is provided for a total of two years and has a $19.95 processing fee, along with a monthly fee of $10.00 for the first year (a total of $120.00). No monthly fee will be charged for the second year of service. Therefore, those who are looking for a stored value card in which they can pay in advance for purchases and would like an opportunity to earn extra income will benefit most from what the Eufora Prepaid MasterCard® with Credit Builder - Elite Level has to offer.