The best prepaid credit cards offer guaranteed approval with no credit checks, and prepaid cards can be used anywhere credit cards are accepted, so they’re perfect if you have a poor credit history but still need access to a credit card for certain purchases.

If you’ve been declined for standard credit cards, because you have a poor credit history, low credit score, or no credit record, and need a credit card for select purchases, consider applying for a prepaid card with automatic approval.

Prepaid credit cards offer many benefits for poor credit consumers that can’t qualify for regular credit cards, but they may require additional fees, so it’s important to use them carefully and understand the terms and conditions of your prepaid card.

100% Guaranteed Approval

Prepaid credit cards offer guaranteed approval with no credit checks, so subprime credit card applicants can be automatically approved for prepaid cards regardless of your credit history, even if you have very poor credit or no credit at all.

Prepaid cards are designed for people with bad credit or a limited credit history, so you’ll automatically qualify for these subprime credit cards, since there are no credit checks or employment requirements to be approved.

Accepted Anywhere

Prepaid cards can be used anywhere standard credit cards can be used, as they have either a Visa or MasterCard logo, so you can use prepaid credit cards to rent cars, make online payments, pay bills, or make any other purchases wherever credit cards are accepted.

Prepaid Credit Lines

Unlike Standard Credit Cards that extend you a line of credit, prepaid credit cards require you to pay for your purchases in advance by depositing funds into an account, from which your card payments will be withdrawn.

Your credit line will be equal to the amount of money you deposit into your prepaid card account, so you can never accidentally spend over the credit limit.

You can deposit funds into your prepaid card from your bank account, via direct deposit of your paycheck, by telephone, or at various merchant locations.

Many prepaid cards don’t pay interest on your deposited funds, but the deposit accounts are usually FDIC-insured, and you can close your prepaid card and withdraw your funds at any time.

Prepaid Credit Card Fees

There may be various fees associated with poor credit prepaid cards, such as processing fees, monthly fees, or transaction fees, so be sure to review the terms and conditions carefully before applying for subprime credit cards.

However, if you use prepaid cards carefully for only those select purchases that require a credit card, prepaid credit cards can be advantageous, and the fees may be worth the benefits of having a credit card.

Credit-Bureau Reporting

A few prepaid credit cards still report your account to major credit bureaus, such as Experian, Equifax, or TransUnion, so some prepaid cards can help you improve your credit history and increase your credit score.

Other prepaid cards report to minor credit-reporting bureaus, but that won’t help you improve your credit worthiness or increase your credit score, because Experian, Equifax, and TransUnion are still the industry standard credit bureaus that creditors use to review your credit history.

However, many prepaid cards do not report to credit bureaus, so make sure you apply for a prepaid credit card that reports to credit bureaus if you need to establish a positive credit history and improve your credit scores.

Secured Credit Cards may be a better option if you want a credit card that reports to credit bureaus to improve your credit history and increase your credit score, as secured cards are also designed for poor credit consumers.

Prepaid Credit Cards

Apply and be automatically approved for these prepaid cards.

Eufora Elite Credit Builder Prepaid MasterCard

Your Eufora Elite Prepaid Card Credit Builder monthly payment history will be reported to the TransUnion and Experian credit bureaus to help you improve your credit history and increase your credit score.

Eufora Elite Credit Builder Prepaid MasterCard®

• BUILDS CREDIT! Reports to Credit Bureaus
• 100% Guaranteed Approval* with No Credit Check - Perfect for Bad Credit or No Credit
• FREE Direct Deposit
• FREE Point of Sale Transactions
• FREE 24/7 Online Access
• FREE Live Customer Support
• Reload at Thousands of Retail Locations Nationwide with a $5000 Maximum Value
• Safer than Cash
• Cash Reward Program
• ZERO UP FRONT ($99.95 Advanced Deposit WAIVED)

Apply Now!

* Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. “Guaranteed Approval” is contingent upon successfully passing this mandatory identification confirmation.

AccountNow Prepaid Visa Card

Both the AccountNow Visa and AccountNow MasterCard prepaid cards offer the same great features.

AccountNow Prepaid Visa® Card

• 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 Check Writing – 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

Apply Now!

AccountNow Vantage Debit MasterCard

The AccountNow Visa and MasterCard cards offer the same great prepaid card benefits.

AccountNow™ Vantage Debit MasterCard®

• 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

Apply Now!

All-Access MasterCard Prepaid Card

Both the All-Access Visa and All-Access MasterCard prepaid cards offer the same great benefits and low fees.

All-Access® MasterCard® Prepaid Card

• As seen in stores nationwide
• Extra user cards – EXCLUSIVE OFFERING!
• FREE (5% APR) savings account - EXCLUSIVE OFFERING!
• FREE 2-way text message alerts - EXCLUSIVE OFFERING!
• FREE mobile money transfers - EXCLUSIVE OFFERING!
• Refer-a-Friend and you both get paid - EXCLUSIVE OFFERING!
• Direct deposit - get paid fast
• Pay bills online 24/7
• Gold or black card options
• Cash load up to $10,000 at over 65,000 locations
• Signature, PIN or ATM transactions accepted
• NO MONTHLY fee - ideal for occasional use
• NO credit check
• NO bank account required
• NO upfront cost to order
• NO overdraft fees
• NO minimum balances

Apply Now!

All-Access Visa Prepaid Card

The All-Access MasterCard and All-Access Visa cards offer the same great benefits and low fees.

All-Access® Visa® Prepaid Card

Fees:

• Annual Fee: $0
• Cash Advance Fee: $2.00 for U.S. ATM transactions; $4.95 for international ATM
• Minimum Deposit: $10
• Application Fee: $9.95
• Participation Fee: ($9.95 monthly) or optionally pay per transaction
• Reload Fee: $0 for direct deposits or PayPal transfers, $4.95 for ACH or credit or debit card transfers; In person retail cash load fees vary by merchant location.
• Inactive Fee: $5.95

Apply Now!

Prepaid Visa RushCard

Both the RushCard and the Baby Phat RushCard offer the same great features and low fees.

Prepaid Visa® RushCard

• Created by Russell Simmons to provide Financial Freedom and Respect .
• NO monthly, NO annual fees and NO hidden fees .
• Quick and easy! Everyone is eligible! NO credit check .
• FREE direct deposit of pay, tax refund, and government benefits .
• Access your money at over 850,000 ATMS .
• Free 24×7 customer service, activity status, & balance inquiries .
• Use anywhere Visa debit cards are accepted-in stores, on the internet, and over the phone .
• Helps control debt-you can’t overspend!

Apply Now!

Baby Phat Prepaid Visa RushCard

The Baby Phat RushCard and the RushCard offer the same great features and low fees.

Baby Phat Prepaid Visa® RushCard

Baby Phat RushCard fees are simple and reasonable:

• No annual, monthly, or customer service fees
• One-time activation fee: $19.95
  (so you don’t have to pay monthly fees that can cost $60 a year or more)
• Fee per purchase: $1.00
  (capped at $10 per month—additional purchases are free)
• ATM cash withdrawal fee: $1.95
  (anywhere in the US)
• Inactivity fee: $2.95
  (no loads, purchases, or ATM activity within 60 days)

Apply Now!

Western Union Prepaid MasterCard

Both the Western Union MasterCard and Western Union Visa cards offer the same great features, benefits, and low fees.

Western Union® Prepaid MasterCard®

• Carry your money safely and conveniently.
• Shop online anywhere MasterCard debit cards are accepted.
• Check your Card balance anytime online or over the phone.
• Reload your Card at any participating Western Union Agent location in the United States.
• No credit checks! No lengthy applications!
• Shop wherever MasterCard debit cards are accepted – even online
• Efficiently manage your money and pay bills because you control how much you put on the Card.
• Easy to Get, Easy to Use
• The power of cash. The convenience of plastic.

Apply Now!

Western Union Prepaid Visa Card

The Western Union Visa and Western Union MasterCard prepaid cards offer the same great features, benefits, and low fees.

Western Union® Prepaid Visa® Card

• No bank account or credit check required.
• Carry money safely and conveniently.
• Use to pay for a Western Union Money Transfer® transaction or Quick Collect bill pay online or by phone.
• No monthly fees. Great for occasional use.
• Use anywhere Visa debit cards are accepted; even online!

Apply Now!

Wired Plastic Prepaid Visa Card

Wired Plastic™ Prepaid Visa® Card

• New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide
• No Bounced Check, NSF and Overdraft Charges EVER!
• FREE Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
• FREE Bill Pay Service - Pay Anyone Online or Over the Phone
• FREE Credit Builder with Overdraft Protection
• FREE Mobile & Email Alerts
• FREE Direct Deposit - Eliminate Check Cashing Fees
• Add Cash Instantly at 100,000 Retail Locations Nationwide

Apply Now!

The BuyRIGHT Prepaid MasterCard

The BuyRIGHT Prepaid MasterCard®

• Get cash at over 900,000 ATMs worldwide
• Pay your bills online or over the phone
• Eliminate payday hassles with free direct deposit
• Accepted at millions of MasterCard locations worldwide
• NO credit checks
• NO employment verification
• NO monthly or annual fees

Apply Now!

First Vineyard MasterCard Card

First Vineyard MasterCard^® Card

• Receive cash back from your own spending
• Receive cash compensation from the spending of anyone in your compensation tree.
• Live debt free and receive compensation for your everyday spending.
• Reload your card directly from your payroll or bank account
• Powerful Online Account Management
• Online Bill Payment service included – Pay your bills directly with our powerful bill payment service
• Card Accepted at 30 Million merchants & One Million ATM machines

Apply Now!

Bank Freedom Prepaid MasterCard

Bank Freedom Prepaid MasterCard®

• $0 ACTIVATION FEE - NO CONDITIONS!
• $0 MONTHLY FEE with Direct Deposit!
• COMPARE our LOW FEES and SAVE MONEY
• 100% Guaranteed Approval* - No Credit Check
• FREE Unlimited Purchase Transactions
• FREE Customer Service- Compare and Save Money
• FREE Direct Deposit - No more check cashing fees
• FREE Card Account Alerts - email and/or SMS text messages
• NO Late Fees, NO Interest Fees, NO NSF Fees
• Pay any bill from card account: rent, phone, utilities, etc

Apply Now!

Review our Credit Card Directory for more information on a variety of credit cards.

Prepaid credit cards are a great option if you have a poor credit history and can’t qualify for other credit cards, as prepaid cards offer guaranteed approval with no credit checks.