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Prepaid card offers from our partners

By Curtis Arnold Editor-in-chief, updated on February 27, 2015

Discover the ease and convenience of prepaid cards.  If you have no credit history and are looking for a way to tap into the convenience of cashless shopping, a prepaid card might be the right choice for you. These cards don't require a credit check or a hefty deposit. Keep reading to learn whether prepaid cards are the solution you've been looking for.  When comparing prepaid card offers it is important to pay close attention to the fees.

Compare your card and see how it stacks up
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from our Partners
Credit Rating
Bank/Issuer
Midnight Prepaid Visa® RushCard
About Our Ratings

Midnight Prepaid Visa® RushCard

  • Get $10 when you Direct Deposit your tax return to your RushCard*
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.²
  • Easy Online Bill Pay to practically anyone - pay your rent, utilities or a friend.
  • Enroll in Direct Deposit and get your pay up to two days early.² Certain restrictions apply. See card site for details.
  • Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Balance Transfer Fee N/A
Purchase APR N/A
Annual Fee See terms
APPLY NOW Credit Needed None
Carbon Prepaid Visa® RushCard
About Our Ratings

Carbon Prepaid Visa® RushCard

  • Get $10 when you Direct Deposit your tax return to your RushCard*
  • Get your government benefits up to two days early with Direct Deposit.² Certain restrictions apply. See card site for details.
  • Easy Online Bill Pay to practically anyone - pay your rent, utilities or a friend.
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.²
  • Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Balance Transfer Fee N/A
Purchase APR N/A
Annual Fee See terms
APPLY NOW Credit Needed None
Sequin KLS Prepaid Visa® RushCard
About Our Ratings

Sequin KLS Prepaid Visa® RushCard

  • Get $10 when you Direct Deposit your tax return to your RushCard*
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Get your government benefits up to two days early with Direct Deposit.² Certain restrictions apply. See card site for details.
  • Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Balance Transfer Fee N/A
Purchase APR N/A
Annual Fee See terms
APPLY NOW Credit Needed None
Edge Prepaid Visa® RushCard
About Our Ratings

Edge Prepaid Visa® RushCard

  • Get $10 when you Direct Deposit your tax return to your RushCard*
  • Get your government benefits up to two days early with Direct Deposit.² Certain restrictions apply. See card site for details.
  • Approval upon successful ID verification.¹ No credit check⁹ or minimum balance required.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Balance Transfer Fee N/A
Purchase APR N/A
Annual Fee See terms
APPLY NOW Credit Needed None
24k Prepaid Visa® RushCard
About Our Ratings

24k Prepaid Visa® RushCard

  • Get $10 when you Direct Deposit your tax return to your RushCard*
  • Enroll in Direct Deposit and get your pay up to two days early.² Certain restrictions apply. See card site for details.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Approval upon successful ID verification.¹ No credit check⁹ or minimum balance required.
  • Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Balance Transfer Fee N/A
Purchase APR N/A
Annual Fee See terms
APPLY NOW Credit Needed None
AccountNow Gold Visa® Prepaid Card
About Our Ratings

AccountNow Gold Visa® Prepaid Card

  • Best Way to Get your Tax Refund Fast! Choose E-file and use your AccountNow Card Account to Direct Deposit your Tax Refund! Fast, Easy, Safe and Secure.
  • 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.
  • 100% Guaranteed Approval* - upon successful ID verification. No Credit check.* No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Balance Transfer Fee N/A
Purchase APR N/A
Annual Fee See terms
APPLY NOW Credit Needed None
Gloss Prepaid Visa® RushCard
About Our Ratings

Gloss Prepaid Visa® RushCard

  • Get $10 when you Direct Deposit your tax return to your RushCard*
  • Stay connected - keep track of your money on your mobile phone with the free RushCard app.
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.⁷ See card site for details.
  • Real time activity alerts sent to your mobile phone via text or email.³ Standard text message and data rates, fees, and charges may apply.
  • Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Balance Transfer Fee N/A
Purchase APR N/A
Annual Fee See terms
APPLY NOW Credit Needed None
AccountNow® Prepaid Visa® Card
About Our Ratings

AccountNow® Prepaid Visa® Card

  • Best Way to Get your Tax Refund Fast! Choose E-file and use your AccountNow Card Account to Direct Deposit your Tax Refund! Fast, Easy, Safe and Secure.
  • 100% Approval guaranteed* (subject to I.D. Verification)
  • $0 monthly fee†
  • No minimum balance
  • No credit check.* No overdraft fee.
  • Free† direct deposit and online bill payment
  • Use it everywhere Visa debit card is accepted
  • Now with purchase reward
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Balance Transfer Fee N/A
Purchase APR N/A
Annual Fee See terms
APPLY NOW Credit Needed None
Suede KLS Prepaid Visa® RushCard
About Our Ratings

Suede KLS Prepaid Visa® RushCard

  • Get $10 when you Direct Deposit your tax return to your RushCard*
  • Check your balance, view transactions, and even transfer money with the RushCard mobile app.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Balance Transfer Fee N/A
Purchase APR N/A
Annual Fee See terms
APPLY NOW Credit Needed None
AccountNow® Prepaid MasterCard®
About Our Ratings

AccountNow® Prepaid MasterCard®

  • Best way to get your tax refund fast! Choose E-file and use your AccountNow card account to Direct Deposit your tax refund! Fast, easy, safe and secure.
  • $0 Monthly Fee
  • No credit check or ChexSystems check
  • Instant account number
  • Free† Direct Deposit - paycheck, benefits, tax refunds
  • Easy 24/7 Online Account Access
  • Earn purchase rewards and Refer-a-Friend cash bonus
  • Use it everywhere MasterCard Debit card accepted
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Balance Transfer Fee N/A
Purchase APR N/A
Annual Fee See terms
APPLY NOW Credit Needed None
Credit Card Database

More about Prepaid card offers

  • What is it?
  • Who should get it?
  • Will it help me rebuild my credit?
  • What to consider?

Prepaid cards are cards without a line of credit. In other words, you make a deposit into an account and then use your card to shop anywhere - online or offline - where credit cards are accepted. However, you can only spend the amount of money you deposited.

Many people use prepaid cards as an alternative to expensive checking accounts. While you generally have to pay an activation fee and some may also have monthly maintenance fees, there is no risk of overdraft charges or bounced checks.

Prepaid cards are ideal for those with no credit history or very poor credit history. They also appeal to those who want the convenience of shopping online but want to avoid credit card debt. In particular, parents find that prepaid cards are an excellent, risk-free way to help their teenagers learn how to manage money. Instead of handing over a card with a high credit limit, they give their teen a prepaid card.

Generally, no. Since prepaid cards are not offering a line of credit, there are no monthly required minimum payments to be reported to the credit bureaus. For those trying to rebuild credit after a bankruptcy or financial crisis, a secured credit card might be a better option.

Be aware that some prepaid cards will offer to report your purchasing history to credit bureaus for a monthly fee. Before agreeing to this service, keep in mind that most creditors rely only on credit reports from TransUnion, Experian and Equifax and not other credit bureaus.

Before you apply for a prepaid card, consider the following five questions:

  1. Is there a card application fee or activation fee?
  2. Am I charged monthly maintenance fees if my balance falls below a certain level?
  3. Can I access my money from nearby ATMs?
  4. How do I deposit money into the account? Is direct deposit available?
  5. Is there a limit on the number of transactions I can make?

At CardRatings.com, we've compiled information on prepaid cards. Before making your selection, read our expert card reviews which may help you decide if you are getting a prepaid card that is right for you.