Prepaid Credit Cards

A prepaid credit card spends money that has already been deposited by its cardholder beforehand. Those with no credit or poor credit often have to use prepaid credit cards before they qualify for regular cards.

Credit card companies see such people as high risk cardholders and, as such, need some reassurance before extending a large line of credit to them. Parents also give prepaid cards to their children in an effort to teach them how to manage money and also as a means to prevent their young shoppers from erratic spending.


Credit Panda's Recommended Credit Card

Credit Panda recommends All-Access® Visa® Prepaid Card as our favorite Prepaid credit card.

  • Extra User Cards  EXCLUSIVE OFFERING!
  • As Seen in Stores Nationwide
  • FREE 2-way Text Message Alerts - EXCLUSIVE OFFERING!
  • FREE (5% APR) Savings Account - EXCLUSIVE OFFERING!
  • FREE Mobile Money Transfers - EXCLUSIVE OFFERING!
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Eufora™ Elite Credit Builder Prepaid MasterCard®

  • 100% Guaranteed Approval with No Credit Check - Perfect for Bad Credit or No Credit
  • BUILDS CREDIT! Reports to Credit Bureaus
  • FREE Point of Sale Transactions
  • FREE Direct Deposit
  • FREE 24/7 Online Access
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

Very Good

All-Access® MasterCard® Prepaid Card

  • Extra User Cards � EXCLUSIVE OFFERING!
  • As Seen in Stores Nationwide
  • FREE 2-way Text Message Alerts - EXCLUSIVE OFFERING!
  • FREE (5% APR) Savings Account - EXCLUSIVE OFFERING!
  • FREE Mobile Money Transfers - EXCLUSIVE OFFERING!
  • Apply now at the the card issuer's website

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Wired Plastic™ Prepaid Visa® Card

  • No Bounced Check, NSF and Overdraft Charges EVER!
  • New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide
  • FREE Bill Pay Service - Pay Anyone Online or Over the Phone
  • FREE Rewards Program - Earn 1 Point for Every $1 Spent, Redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
  • FREE Credit Builder with Overdraft Protection
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Baby Phat Prepaid Visa® RushCard™

  • Simple and Reasonable - No Monthly, Annual, or Hidden Fees
  • Use Anywhere Visa Debit Cards are Accepted - In Stores on the Internet, and Over the Phone
  • Everyone is Eligible � No Credit Check or Employment Verification
  • Free Money Loading With Direct Deposit and Free 24x7 Customer Service
  • Quick, Easy Application - No Monthly Fee
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Prepaid Visa® RushCard™

  • Created by Philanthropist and Entrepreneur Russell Simmons
  • No Monthly, Annual, or Hidden Fees
  • Quick, Easy Application
  • Everyone is Eligible � No Credit Check or Employment Verification
  • Free Money Loading With Direct Deposit of Pay or Government Benefits
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

AccountNow® Vantage Prepaid MasterCard®

  • $0 ACTIVATION FEE - When You Load Your Card By Direct Depositi
  • Advance Loan Option, No Credit Check Needed
  • FREE Credit Builder
  • 100% Guaranteed Approval
  • FREE Online Bill Pay
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Bank Freedom(SM) Prepaid MasterCard®

  • 100% Guaranteed Approval - No Credit Check
  • $0 ACTIVATION FEE - No Conditions!
  • FREE Direct Deposit - No More Check Cashing Fees
  • FREE - Unlimited Purchase Transactions
  • FREE Account Alerts - Email and/or SMS Text Messages
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

BuyRIGHT Pre-Paid MasterCard®

  • On-Time Monthly Payments Reported To at Least One Major Credit Bureau
  • Free Direct Deposit
  • Flexible Fee Structure
  • Free Account Activity Alerts
  • BuyRIGHT Rewards Program
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

Very Good

AccountNow™ Vantage Prepaid Visa® Card

  • 100% Guaranteed Approval
  • $0 ACTIVATION FEE - When You Load Your Card By Direct Deposit
  • FREE Online Bill Pay
  • FREE Credit Builder
  • FREE Direct Deposit
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

READYdebit™ Card

  • Access to a Million ATMs Around the World
  • Visa® Debit Card � Accepted Worldwide
  • Free Direct Deposit, Plus a Network of 50,000 Locations Where Customers Can Load Their Visa® Card With Cash
  • Online Bill-Payment and Check-Writing Service That Lets Customers Pay Anyone By Check
  • 24x7 Customer Support � Online and Phone
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Millennium Advantage Pre-Paid MasterCard®

  • No Credit Check or Income Verification Required
  • Use Your Card at Over 900,000 ATMs and Millions of Locations Worldwide!
  • No Minimal Balance Required!
  • No Chexsystem Check
  • Phone and On-line Account Access
  • Apply now at the New Millennium Bank website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None