Prepaid Reloadable Cards

ADVERTISER DISCLOSURE
AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. AcclaimVisa.com does not offer, review or present all available credit offers.
Prepaid card with free direct deposit No activation fee card Card with no ovedraft fees
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • Free* Direct Deposit
  • No Credit Check or ChexSystems Checks
  • Get Paid up to 2 days Faster with Free Direct Deposit * - Get Your Paycheck or Benefits Checks in Your Card Account and Access Your Funds up to 2 days Earlier Than Payday.
  • No CreditCheck to Get a Card. No ChexSystems Check. No Existing Bank Account Required.
  • $0 Activation Fee*. No Minimum Balance. No Risk of Overdraft fees.
  • Instant Account Number - A Great Card for your Money.
  • Free* Direct Deposit - Paycheck, Benefit Checks, Tax Refund Checks
  • Easy Online Bill Payment & Mobile Account Access
Prepaid Debit Cards

Prepaid reloadable cards offer the convenience and security of credit cards yet no risk of getting into debt and no hassle of a credit check. Debit cards are also a safe alternative to carrying cash.

Just deposit money on your reloadable card and use it anywhere - shop in stores, online or over the phone. Prepaid cards allow you to withdraw cash, make travel arrangements - book flights and hotel rooms, pay your bills online, shop, buy gas, - and all without the risk of accumulating debt. Reloadable cards are not linked to your bank account, so there is no danger of draining it. You can charge purchases only up to the amount you actually loaded on the card. Once the value is depleted, you need to make a new deposit to continue using the card. Set up an automatic direct deposit of your paycheck, child support and other benefits. It is usually free! Or load money at one of many locations.

Prepaid Debit Cards Advantages

The main advantage of prepaid debit cards is that they are easy to get approved for. They require no credit check and no bank account. Getting a prepaid card is a good option for those who cannot apply for a regular credit card.

Another great advantage of prepaid reloadable cards is that they involve no risk of getting into debt. Pre-funded cards are a good alternative for young people whose parents can rest assured knowing their child will not go over the limit.

Reloadable cards provide the convenience of paying without cash and enable you to make online purchases, reservations and more, and at the same there are no interest charges involved, since there is no debt, though you do need to be aware of fees.

If you aim at improving or building your credit, prepaid debit cards are not the best option, as they do not report to credit bureaus, though some banks provide opportunities for credit improvement even with these cards.

Prepaid debit cards are no doubt very convenient in use - all you need to do is deposit money and you will get instant access to it.

Choosing a Prepaid Reloadable Card

To choose a prepaid debit card that meets your requirements the most, first of all you need to know what your primary goal is, then compare cards features with this in mind.

Find out direct deposit rules and fees, choose a card with features that work best for you.

Learn how you can make deposits on your card, if there is a conveniently close location, what the related fees are.

Make sure you know how to check balance - online or over phone, if the bank provides a monthly statement, what the associated fees for these services are.

Find out about how the card is activated, how big the activation fee is.

Read information on transactions, ATM withdrawal fees. Pay attention to international transactions, if you plan on using your card abroad.

Look for zero liability protection. Pay attention to monthly maintenance cost.

Getting a prepaid reloadable card you can count on either of the two leading issuers - Visa and MasterCard. Both of them are internationally accepted and offer convenient methods to add funds to your account. Both Visa and MasterCard implement innovative technologies and provide special tools and services.

Immediate Credit Card
Care Service

If you have a question about any product or product feature, or if you need free advice from a credit expert, use our Immediate Credit Card Care Service. Ask a question, or look through previously answered questions. Either way, we are happy to help you learn about the important facts concerning credit cards.

The latest questions of Immediate Credit Card Care Service

What is the best prepaid debit card to build credit and which is reported to three credit bureaus?

Answer:
You won’t be able to build your credit using a prepaid card because prepaid cards are not reported to major credit bureaus. With a prepaid card you use your own money, not the money you lend, so there is no credit activity to report. If you want to build your credit, you should apply for a secured credit card. Secured credit cards are reported to major credit bureaus monthly. To get this car...

I am full-time employee. I am at poor credit rank <600. My monthly credit card payments are more than $2,000. My debt is around $25,000 or less I seek balance transfer credit card so that I can have improved credit rank. I am open for personal loan. I am not interested to apply for a credit card (online purchases).

Answer:
Since your credit is bad, you won’t be able to get a credit card with 0% intro APR on balance transfers. Also, the credit card issuers may not approve you for a credit card even with the minimum line of credit. You can try getting a personal loan though. Some lenders allow co-applicants, which will increase your chances to qualify. Also, we would recommend you to pay off the credit accounts...

see all questions ...

Need More Flexibility?
Apply for Credit Cards

If you are serious about building your credit history, or would like to have more freedom and flexibility with your finances, consider applying for a credit card. If you are owner of a credit card, you bank will let you borrow money within your credit limit when you need it and pay back later when you have it. While with prepaid cards you can only spend what you have.

Find out what you can qualify for with your credit score. If you have good or excellent history, you can choose from the best low interest or 0% intro APR offers, enjoy no annual fee, flexible rewards and more benefits from your bank. If you have limited history, we can offer you nice low introductory interest rate cards with special credit building tools.

If you are confident of your good paying habits, choose a credit card that is right for you. Compare offers and apply today! Get additional financial aid for emergencies, big purchases or just to ensure yourself peace of mind knowing you will have means to pay.


View best credit cards offers
Copyright © 2006-2017
AcclaimVisa.com.
All Rights Reserved

AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. AcclaimVisa.com does not offer, review or present all available credit offers.

All the credit card information presented without warranty and can change. To confirm the terms and conditions click the "Apply Now!" button and review the current information on a secure credit card terms page. AcclaimVisa.com can be compensated by the credit card issuers when visitors apply for a credit card through this website.

* The acclaimvisa.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. acclaimvisa.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the acclaimvisa.com website are property of their respective owners.