Pre-Paid Credit Cards

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The Wired Plastic™ Prepaid Visa® Card, issued by BANKFIRST, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card. Although the card does not require a security deposit, it does require payments in advance, which are then used to offset future purchases made with the card. There is no interest applied on the account, no annual fee, and none of the other charges similarly found with most unsecured credit cards. There are also fewer credentials required in comparison to common unsecured credit cards, such as a no credit check policy, no employment verification, and so forth. Nevertheless, it is important to note that there are some fees associated with this card, such as a one-time application fee of $9.95, a monthly maintenance fee of $3.95 ($47.40 annually), and a minimum initial load amount of $10. So in the first year alone, a cardholder can expect to pay a total of $57.35 in fees. This is very reasonable for this type of card. It is common for stored value cards to lack benefits; however, this card does offer automatic bill payment, direct deposit, and access to a unique reward program. Through the Wired Points Rewards program, one point is earned for each dollar spent on purchases made with the card. Points do not expire and there is no limit to the number of points that may be earned per year. Points can be redeemed for long distance calling cards, music downloads, a variety of ring tones, and prepaid wireless airtime at participating partners. Therefore, those who are looking for a stored value card to pay in advance for purchases, do not mind paying upfront fees, and will take advantage of the reward program may find the Wired Plastic™ Prepaid Visa® Card to be a beneficial option.

The Prepaid Visa® RushCard™, issued by Manufacturers and Traders Trust Company, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card. The card does offer shopping discounts at participating retailers, which is rare for a stored value card, as this type of card usually does not offer any extraordinary benefits or services to cardholders. There is no interest applied on the account or other similar charges found with most unsecured cards. Although there is a one-time activation fee of $19.95, cardholders will receive $10 off the cost of activation when they use the promo code MYBP. Additionally, there is no monthly participation fee. It is important to note that the card does require payment in advance, which is then used to offset future purchases made with the card. There is a $1 transaction fee that is charged for each purchase made with the card (capped at $10 per month - additional purchases are free). The issuer charges no reload fees. Direct deposits, pay pal transfers and mailing in a check or money order are free. However, affiliated merchants do charge a flat fee for retail reloads. One of the most unique features of the Prepaid Visa® RushCard™ is the refer-a-friend program. The card offers cardholders the chance to earn money by referring friends and family to the program. Cardholders will receive $5 on their card for every referred applicant who becomes an active RushCard™ member. Another unique feature of the Prepaid Visa® RushCard™ is the Cash Back Rewards program. Transaction fees that are incured past the $10 cap per month are deposited back onto the cardholder's Prepaid Visa® RushCard™ on the 15th of every month. Unfortunately, this card does not report cardholder transactions to the credit bureaus, which is not ideal for those who are trying to establish credit. Therefore, those who are looking for a low cost stored value card, would like to earn cash back rewards, and would like to receive shopping discounts at participating retailers will benefit most from what the Prepaid Visa® RushCard™ has to offer.

The Baby Phat Prepaid Visa® RushCard™, issued by Manufacturers and Traders Trust Company, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card. The card does offer shopping discounts at participating retailers, which is rare for a stored value card, as this type of card usually does not offer any extraordinary benefits or services to cardholders. There is no interest applied on the account or other similar charges found with most unsecured cards. Although there is a one-time activation fee of $19.95, there is no monthly participation fee. It is important to note that the card does require payment in advance, which is then used to offset future purchases made with the card. There is a $1 transaction fee that is charged for each purchase made with the card (capped at $10 per month - additional purchases are free). The issuer charges no reload fees. Direct deposits, pay pal transfers and mailing in a check or money order are free. However, affiliated merchants do charge a flat fee for retail reloads. One of the most unique features of the Baby Phat Prepaid Visa® RushCard™ is the refer-a-friend program. The card offers cardholders the chance to earn money by referring friends and family to the program. Cardholders will receive $5 on their card for every referred applicant who becomes an active RushCard™ member. Another unique feature of the Baby Phat Prepaid Visa® RushCard™ is the Cash Back Rewards program. Transaction fees that are incurred past the $10 cap per month are deposited back onto the cardholder's Baby Phat Prepaid Visa® RushCard™ on the 15th of every month. Unfortunately, this card does not report cardholder transactions to the credit bureaus, which is not ideal for those who are trying to establish credit. Therefore, those who are looking for a low cost stored value card, would like to earn cash back rewards, and would like to receive shopping discounts at participating retailers will benefit most from what the Baby Phat Prepaid Visa® RushCard™ has to offer.

The READYdebit™ Card from MetaBank is the perfect way for people who don’t have a checking account to obtain and use a debit card for all of their purchases - whether plastic is required or not. With this prepaid card, cardholders simply load the READYdebit™ Card with cash and use it as they would a credit card. Paychecks can even be directly deposited into a READYdebit™ account to get easy access to funds without waiting in line at the bank and to avoid paying high check cashing fees. The READYdebit™ Card offers two options, depending on the cardholder's needs. The Basic plan is $3.95 a month, while the Select plan is $7.95 a month and comes with lots of extras like free online bill pay*. Select plan cardholders are also cut a break on other fees such as ATM withdrawal fees, balance inquiry fees, and fees for PIN transactions. The best thing about the READYdebit™ Card is the freebies. Unlike other prepaid cards, cardholders are not charged card loading fees or negative balance fees - something banks would charge a pretty penny for. The best part is that the READYdebit™ Card works just like a credit card and can be used to book hotel or car reservations or to make purchases online - something that just can't be done without a credit card. Plus, your funds on the READYdebit™ Card are protected by Visa®'s Zero Liability™ policy, which protects cardholders from unauthorized transactions. Funds can be loaded onto the READYdebit™ via direct deposit, or at participating retail stores including Wal-Mart, Walgreens, Rite Aid, RadioShack, and wherever the Visa® ReadLink symbol is displayed.

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 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 AccountNow® Prepaid Visa®, 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 Visa® 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 Visa is issued by MetaBank. Funds are insured up to $100,000 by the Federal Deposit Insurance Corporation (FDIC). If you sign up for Credit Builder, your bill pay transactions will be reported to PRBC®.

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 All-Access® Visa® Prepaid Card, issued by MetaBank, 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. 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 account-to-account transfers via the Internet, the toll free number, or a live agent. Cardholders can also load the card through in-person retail transfers. Cardholders will have the option of choosing between the pay per transaction plan and the FeeAdvantage™ plan. The pay per transaction plan has no monthly fee, but there is a fee charged every time the cardholder makes a purchase. On the other hand, the FeeAdvantage™ plan allows cardholders to make unlimited signature and PIN purchases for a monthly fee. Depending on whether the cardholder makes signature or PIN purchases more, the FeeAdvantage™ plan may be a better option for those who plan to make more than five to ten purchases per month. This card has no account opening fee. This card offers additional services and benefits, including free wireless alerts for account information, no liability for unauthorized transactions, overdraft protection, and integrated bill payment. Cardholders will also be able to participate in the referral program that rewards them with $5 for each activated card that they refer. Therefore, those who are looking for a card where they can pay in advance for purchases, would like a card with limited fees, and plan to take advantage of the various benefits and services may find the All-Access® Visa® Prepaid Card to be a beneficial option.

The All-Access® MasterCard® Prepaid Card, issued by MetaBank, 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. 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 account-to-account transfers via the Internet, the toll free number, or a live agent. Cardholders can also load the card through in-person retail transfers. Cardholders will have the option of choosing between the pay per transaction plan and the FeeAdvantage™ plan. The pay per transaction plan has no monthly fee, but there is a fee charged every time the cardholder makes a purchase. On the other hand, the FeeAdvantage™ plan allows cardholders to make unlimited signature and PIN purchases for a monthly fee. Depending on whether the cardholder makes signature or PIN purchases more, the FeeAdvantage™ plan may be a better option for those who plan to make more than five to ten purchases per month. This card has no account opening fee. This card offers additional services and benefits, including free wireless alerts for account information, no liability for unauthorized transactions, overdraft protection, and integrated bill payment. Cardholders will also be able to participate in the referral program that rewards them with $5 for each activated card that they refer. Therefore, those who are looking for a card where they can pay in advance for purchases, would like a card with limited fees, and plan to take advantage of the various benefits and services may find the All-Access® MasterCard® Prepaid Card to be a beneficial option.

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 ARC Travel MasterCard®, issued by the Security Savings Bank, is for people who need an alternative to traditional credit cards and would like an electronic method to pay for purchases. This card has no monthly or annual fees and applications can be approved after verifying the applicant's identification. There is a minimum deposit requirement, however. Cardholders can only reload their card with a minimum of $100. The maximum amount allowed for a deposit is $2,500 with a maximum stored value amount of $9,500 at any given time. Cards are funded entirely by cardholders. There are a few fee free reloads; however, reloads that are done using a credit card and via wire transfer do carry a fee. If cardholders charge their loads to a credit card, the fee applied will be 4% of the reload amount. Wire transfer reloads are $9.95 per occurrence. If the ARC Travel MasterCard®, is inactive for more than 12 months, cardholders will be charged $2.50 for each inactive month that ensues. The ARC Travel MasterCard®, is only valid for the first 24 months after being issued. Any remaining balance on the account after the card expires will be refunded as a check if the cardholder requests a refund (minimal fees apply). Cardholders will have access to various free features including free mobile and e-mail balance alerts. In addition, cardholders will get travel benefits through MasterCard Global Service™. Some of the services available through this program include 24-hour lost and stolen card reporting, emergency card replacement, and emergency cash advance. The ARC Travel MasterCard® is a unique pre-paid card because it comes with travel benefits. Cardholders who travel frequently and would like another method of payment besides cash or a credit card while traveling will benefit most from what this card has to offer.

The Vision Premier(SM)Prepaid Visa® Card is ideal for people who are finding it difficult to obtain a secured or unsecured credit card or who are in need of another option when making purchases. Based on an identification check, applicants can be issued a personalized card. Also, cardholders will have access to a rewards program where they earn rewards at the rate of one point per dollar spent. Points are redeemable for wireless airtime minutes; 200 points = 1 minute of prepaid wireless airtime. As with any prepaid credit card, this one is not without its fees and regulations. To participate, you must pay a weekly fee of up to $0.95 unless you are on direct deposit and the weekly fee is automatically waived, and a one-time activation fee of $9.95 which can be rebated when you sign-up for direct deposit. Additionally, you'll be charged $1.95 for withdrawing cash from ATMs and $0.95 for making purchases using your PIN. Total fees can amount to at least $101.35 your first year. To keep using your prepaid card, you have to keep loading it. Reloads are free using direct deposit or can cost you up to $5 at retail locations. The good news is that Bancorp Bank offers more than 100,000 retail locations where the Vision Premier(SM) Prepaid Visa Card can be reloaded, including Western Union®, PayXone™, ACE Cash Express and MoneyGram®. With the Vision Premier(SM) Prepaid Visa®, cardholders will have access to card benefits that include the added protection of the Visa® Zero Liability policy which makes using the card safer than carrying cash. Cardholders will also have the convenience of online shopping, online bill pay, and around the clock access to millions of ATMs to get cash whenever it®s needed. *See terms and conditions for complete details.

The Eufora™ Elite Credit Builder Prepaid MasterCard®, 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™ Elite Credit Builder Prepaid MasterCard® 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. And because there are no participation or application fees (which are usually associated with stored value cards), this card is less costly than most prepaid cards offered. 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™ Elite Credit Builder Prepaid MasterCard® has to offer.