Prepaid Visa & Prepaid MasterCard can be used anywhere that regular credit cards are accepted. Prepaid debit cards issued to a specific person, but are replenishable. Most of prepaid debit cards require NO credit check or other verifications. Some prepaid debit cards offers cash back or rewards programs, other allows you to win big prizes in sweepstake programs. Another benefit is the ability of the cardholder to rent vehicles, make purchases online, and make cash withdrawals. Most of the prepaid debit cards allow direct deposit, so the user will not have to pay check-cashing fees.

Advantages of PrePaid Debit Cards

READYdebit Prepaid Visa® Card

The READYdebit Prepaid Visa Card is a debit card and is designed to give consumers with poor credit the flexibility and convenience of paying with a traditional credit card but without all the headaches that come with traditional cards. The READYdebit Prepaid Visa Card is a useful tool if you want a more secure spending option than cash, but don't have access to credit, or don't want to use a credit card. You're eligible for this card regardless of your credit situation, even if you have no credit. All you have to do is load the card with money, and it's ready to go. This card won't help you build credit, since your spending and payment activity on a prepaid debit card are not reported to the credit bureaus. But it does provide a secure spending alternative to cash, and you won't be charged interest on your purchases. And because it's a prepaid card, you won't be able to spend over your "limit" - which is the amount you have on deposit.

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$9.95	$4.95	$0	N/A	0%	Any Credit OK

Vision Premier^sm - Paycheck Card

Vision Premier^sm - Paycheck Card is a prepaid debit card designed for those who are looking for the convenience and safety of a Visa-logo card without the risk of a credit card. With your prepaid VISA, you can shop online, pay bills online and have access to millions of ATMs around the world. There is a $1.95 charge for ATM withdrawls.

Setup Fee	Weekly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$9.95	$0 - $0.95	$0	N/A	0%	Good

AccountNow® Prepaid Visa® Card

Since it is one of the few prepaid credit cards that can report to a credit bureau, this card is one option for those whose goal it is to build credit. Keep in mind, though, that this is not a credit card. Like all prepaid credit cards, this card must first be loaded with cash - through direct deposit, Western Union, Money Gram, Green Dot, or Visa Ready Link. This prepaid credit card carries the same protections offered to other Visa customers and can be used at ATMs without the risk of overdraft fees (though one complimentary ATM withdrawal is offered per month, a $2 ATM fee does apply; balance inquiries are $1).

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$0	$0 - $4.95	$0	N/A	0%	Any Credit OK

SilverCard Prepaid MasterCard®

If you want a card that offers flexibility on your spending but also reduces costly fees and annual percentage rates, you may be in luck with the SilverCard Prepaid MasterCard.

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$0 - $9.95	$3.95	$0	N/A	0%	Good

Wired Plastic Prepaid Visa® Card

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$9.95	$3.95	$0	N/A	0%	Any Credit OK

Green Dot® Gold PrePaid MasterCard®

No bank account or credit history? No problem. The GreenDot Prepaid MasterCard gives you the convenience of making purchases with plastic without the hassle of worrying about your balance.

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$0	$0 - $5.95	$0	N/A	0%	Any Credit OK

Baby Phat Prepaid Visa® RushCard

Do you enjoy the convenience of carrying plastic without the hassle of high annual percentage rates and fees? The new Baby Phat Prepaid Rush card offers its cardholders the opportunity to choose their credit limit and benefit from a number of discounts and deals without worrying about payment due dates and penalties.

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$19.95	$0	$0	N/A	0%	Any Credit OK

AccountNow® Prepaid MasterCard®

If you are finding it difficult to build your credit or re-establish a good financial standing, the AccountNow Prepaid MasterCard may be for you. The product functions as a traditional prepaid card by requiring cardholders to load money onto it for usage, but also helps consumers build their credit history by reporting to a specialized credit bureau. In addition to low fees and added cash incentives, you may boost both your finances and credit standing.

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$0	$0 - $4.95	$0	N/A	0%	Any Credit OK

UPside Visa® Prepaid Card

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$0	$.99 - $2.99	$0	N/A	0%	Any Credit OK

More credit building credit cards:
Secured Credit Cards with Guaranteed Approval
Unsecured Credit Cards for Bad Credit History