Prepaid Credit Cards
Prepaid Credit Cards are pre-funded credit cards that only allow you to spend the money pre-deposited on the card. A prepaid credit card enables you to control spending and can also be a great educational tool for teenagers, as they can learn to manage their finances, before going to colleges where they will be able to apply for student credit cards with unsecured credit lines.
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Wired Plastic™ Visa® Prepaid Card
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- Accepted everywhere VISA is accepted.
- No Credit Check, Income requirements or bank account required.
- FREE Online Access to Account.
- FREE Mobile Alerts - Text to your mobile and email.
- FREE Bill Pay Service - Pay Anyone Online or Over the Phone.
- FREE Rewards Program - Earn 1 Point for every $1 spent.
- NO Bounced Check, NSF or Overdraft Charges EVER!
- FREE Direct Deposit - Eliminate Check Cashing Fees.
- Add Cash Instantly at 100,000 Retail Locations Nationwide.
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AccountNow™ Vantage Debit MasterCard®
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- Instant Guaranteed Approval* - no credit check, no security deposit.
- $0 ACTIVATION FEE - when you load your card by direct deposit.
- Free Direct Deposit - no more check cashing fees.
- Free Online Bill Pay - no need for expensive money orders.
- Free Credit Builder - bill pay transactions are reported to PRBC®
- No Overdraft Fees - no minimum balance required.
- Reloadable - $10,000 balance limit.
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All-Access® Visa® Prepaid Card
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- 100% Approved - no credit check and bad credit is okay.
- $10,000 Load Capacity - reloadable at retailers nationwide.
- No Upfront Payment - and no minimum balance requirements.
- FREE Savings Accounts - higher rate than most national banks.
- FREE Instant Transfers - send money to other cardholders.
- FREE Account Alerts - email or text messages on account activity.
- FREE Direct Deposit - make payday faster and safer.
- Online Bill Pay - pay bills to anyone at any time, online.
- Extra Cards - on the same account for family members or yourself.
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Prepaid Credit Cards with Guaranteed Approval
A prepaid credit card is often seen as an alternative for people with bad credit or no credit, but that is only a part of the features that a prepaid card can offer.
If you do not qualify for unsecured credit lines the prepaid card is definitely a good replacement as it brings the all the conveniences that comes with a credit card, however it often does not include the benefit of building credit history, which is what people unable to get approved for a credit card should be doing. For that purpose secured credit cards are the best option as they do report to the 3 major credit bureaus.
The other benefits from using prepaid credit cards are that you learn to manage spending without getting into credit card debt as you can not use more than what was deposited on the card. This is also useful to educate your teenagers on financial responsibility.
Once you have made the decision of getting a prepaid card you just need to submit the application. There is guaranteed approval and no interest charges or annual fees to worry about.
Prepaid credit cards can be discarded once the funds have been used and this makes the card a good option as a gift card instead of cash or other gift cards that can only be used at one specific store.
* Please see the credit card application for complete details about terms and conditions of each prepaid credit card offer.
We have made reasonable efforts to maintain accurate information for all credit card offers. However all credit card information is presented without warranty.
