Prepaid Credit Cards





The prepaid credit cards section is organized as follows. We first hightlight the key features and attractiveness of prepaid credit cards. We then highlight our recommended cards. This is then followed by some related articles, and finally, a directory listing of prepaid cards.

Key Features and attractiveness of prepaid credit cards

  • It is not a techinically a credit card and hence you cannot spend more than you what you "load" into your card, thereby helping you maintain spending discipline.
  • It gives you the convenience of a credit card, atm card and check card all in one. Even those with good to excellent credit may find a prepaid card useful.
  • Approval is very easy for most cards - no cedit checks, employment verification and in many cases, it is possible to get a prepaid card after bankruptcy
  • You do not need a bank account to get a prepaid card
  • For those with poor credit, getting a prepaid credit card with a CREDITBUILDER program allows you to build a credit history


Recommended Prepaid Credit Cards


vaya prepaid mastercard
We recommend the Vaya Mastercard® because it has one of the lowest cost and fees compared to other prepaid credit cards. The one-time application fee is only $49.00 (whereas most other cards charge over one hundred dollars just for application and processing fees). The monthly maintanence fee is $5.95. What is more important is that the Vaya Mastercard does not charge any fees for things like direct deposits and most methods of transfering money into your card. Furthermore, it has got one of the best online account management tools available for cardholders. You can also automatically pay your monthly bills through their BillPay system.

wired plastic
We recommend the Wired PlasticTM Prepaid Visa® Card to those looking for a basic prepaid credit card. What is most attractive about this card is that it has the lowest application and transaction fees among all other prepaid debit cards. It offers flexible pricing plans, an innovative Rewards Program and several convenient card loading options including; Free Direct Deposit, Bank Transfers and Instant Cash Loading at over 100,000 retail locations nationwide. With its powerful account management tools, cardholders can; use Click-n-Pay� to schedule recurring monthly bill payments including rent, car payment, and utilities or use PersonalPay� to send a check to anyone or transfer money to another account online or over the phone 24/7. They offer FREE customer service, online access, and wireless alerts. Plus you never pay NSF, overdraft or bounced check fees!

vip visa card
For those looking to rebuild their credit with a prepaid credit card, we recommend the VIP Visa® Card. It has a credit builder program which allows you to build your credit over the course of 12 months.

Articles about Prepaid Debit Cards


Build or rebuild your credit with prepaid credit cards that has credit builder program
If you are looking to rebuild your credit, make sure your prepaid credit card enrolls in Credit Builder, a program which reports (for a fee) your monthly payments to credit bureaus. This article highlights and compares prepaid cards which has this feature...

How to make money by refering friends to your prepaid credit card?
Referal marketing has invaded the credit card sector and no more is this apparant in the prepaid debit card sector. There are several prepaid cards that pay you a referal fee for refering friends to the card, even paying lifetime commissions or tiered commisions. If you are interested in earning some extra cash with your prepaid card, then compare these prepaid credit cards that pay referal fees.

How to earn cash rebate with Cash Back Debit Cards
To help promote their cards, issuers have turned to cardholders as part of their marketing plan. Some prepaid credit cards pay cardholders who refer their cards to their friends and buddies. In this article, we take a closer look at these cards and their referal payment plans.



Directory of Prepaid Credit Cards


Prepaid Credit Cards with Credit Builder


Eufora Prepaid Mastercard
One-time Application Fee No one-time application fee
Annual Fee $29.95 - Associate Level
$59.95 - Preferred Level
$99.95 - Elite Level
CreditBuilder Fee $6.65 a month for Preferred membership
$10.00 a month for Elite membership
Reward Program Cash Reward Program
Participation in monthly car-sweep if you spend $100
Credit Bureaus reporting Reports to credit bureaus
eufora
Review
Apply Online


BuyRight Prepaid Mastercard
One-time Application Fee $29.95
Minimum First Time Load $20.00
Annual Fee No annual fee
Monthly Maintanence Fee Either $7.95 a month but with no fees for money transfer or
No monthly fees, but you pay for every transaction fee
Reward Program Earn 1 point for every dollar you spend
Redeem points for for prepaid wireless airtime with Vodafone, Tracfone, Cingular and AT&T; Wireless, and also internet, long distance, ring tones and music downloads
Points Expiry Reward Points do not expire
Caps on Points Earn unlimited Points
Credit Bureaus reporting Purchases from BuyRight's catalog are reported to TransUnion and Innovis
buyright prepaid card
Review
Apply Online
VIP Visa Card

One-time Application Fee $59.95
One-time Processing Fee $90.00
Minimum First Time Load $10.00
Annual Fee No annual fee
Monthly Maintanence Fee $3.95
Credit Bureaus reporting Report to credit bureaus
Fees for creditBUILDER Net of $19.95 a month for 12 months
vip prepaid visa
Review
Apply Online
Credit Builder
One-time Application Fee None
One-time Processing Fee $90.00
Minimum First Time Load $10.00
Annual Fee No annual fee
Monthly Maintanence Fee $8.90
Credit Bureaus reporting Report to credit bureaus
Fees for creditBUILDER Net of $19.95 a month for 12 months
creditbuilder
Review
Apply Online


Prepaid Credit Cards with Cash Back or Rewards


Wired Plastic
One-time Application Fee $9.95
One-time Processing Fee No one-time processing fee
Annual Fee No annual fee
Monthly Maintanence Fee $3.95
Reward Program Earn 1 point for every dollar you spend
Redeem points for discounted prepaid wireless airtime and long distance calls with Wired Plastic partners, which includes T-Mobile, AT&T; Wireless, Cingular, Verizon and TracFone
Credit Bureaus reporting Does not report to credit bureaus
wired plastic
Apply Online


Business Opportunity Prepaid Credit Cards


Vaya Prepaid Mastercard
One-time Application Fee $49.00
One-time Processing Fee No one-time processing fee
Annual Fee No annual fee
Monthly Maintanence Fee $5.95
Credit Bureaus reporting Does not report to credit bureaus
vaya prepaid
Review
Apply Online
First Vineyard Prepaid Mastercard
One-time Application Fee $39.95
One-time Processing Fee No one-time processing fee
Annual Fee No annual fee
Monthly Maintanence Fee $6.95
Reward Program 1% cash rebate for every dollar you spend
Multi-level referral program
Credit Bureaus reporting Does not report to credit bureaus
first vineyard
Review
Apply Online


Basic Prepaid Credit Cards


Homeland Visa
One-time Application Fee $59.95
One-time Processing Fee $90.00
Minimum First Time Load $10.00
Annual Fee No annual fee
Monthly Maintanence Fee $8.90
Credit Bureaus reporting Report to credit bureaus
Fees for creditBUILDER Net of $19.95 a month for 12 months
homeland visa
Review
Apply Online


Liberty Union Visa
One-time Application Fee $59.95
One-time Processing Fee $90.00
Minimum First Time Load $10.00
Annual Fee No annual fee
Monthly Maintanence Fee $8.90
Credit Bureaus reporting Does not report to credit bureaus
liberty union card
Review
Apply Online








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