Prepaid Credit Cards

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you to pay for your purchases in advance by depositing funds into an account, from which your card payments will be withdrawn.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.

AccountNow Prepaid Visa® Card

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

AccountNow Prepaid Visa® Card

• $0 Monthly Fee
• 100% Guaranteed Approval* – No Credit Check
• No Minimum Balance
• Free Direct Deposit and Online Bill Payment
• Now with Purchase Rewards
• Perfect for Tax Refund direct deposit

  Apply Now!

AccountNow™ Prepaid MasterCard®

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

AccountNow™ Prepaid MasterCard®

• 100% Guaranteed Approval* – No Credit Check
• No Activation Fee
• Free Direct Deposit and $25 bonus§
• Free Online Bill Payment
• Earn Purchase Rewards and Refer-a-Friend Cash Bonus
• Perfect for Tax Refund direct deposit

  Apply Now!

NetSpend® Prepaid MasterCard®

NetSpend® Prepaid MasterCard®

• 100% Approval – No credit check needed (ID verification required).
• Get your paycheck, government benefits and tax refund faster with free direct deposit
• New – Get rewarded with NetSpend Payback RewardTM options.
• Real-time account activity alerts to your mobile phone.
• Funds are FDIC insured up to the current coverage limit (ID verification required).

Apply Now!

NetSpend® Visa® Prepaid Card

NetSpend® Visa® Prepaid Card

• 100% Approval – No credit check needed (ID verification required).
• Get your paycheck, government benefits and tax refund faster with free direct deposit
• New – Get rewarded with NetSpend Payback RewardTM options.
• Real-time account activity alerts to your mobile phone.
• Funds are FDIC insured up to the current coverage limit (ID verification required).

Apply Now!

Prepaid Visa® RushCard

Prepaid Visa® RushCard

• 100% Guaranteed Approval* – No Credit Check
• Free direct deposit & $0 Activation fee
• Only card that lets you change your fee plan whenever you want to
• Free prescription discount card
• Easy Bill Pay – pay bills, rent, or write personal checks
• Card to card transfers

  Apply Now!

Wired Plastic Prepaid Visa Card

Wired Plastic™ Prepaid Visa® Card

• Accepted everywhere VISA debit cards are accepted
• No Credit Check, Income requirements or bank account required
• On Demand Alerts – Manage your account via text messaging
• FREE Online Access to Account
• FREE Mobile Alerts – Text to your mobile and email
• 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

Apply Now!

The BuyRIGHT Prepaid MasterCard

The BuyRIGHT Prepaid MasterCard®

• Guaranteed Rewards – you can pick iTunes, RedBox, Cash, Starbucks and More
• First cash load absolutely free at any GreenDot location.
• Free Direct Deposit, Online bill pay, Earn rewards.
• No credit check, 100% approved*
• No bounced check fees or overdraft fees – ever!
• Travel, rent cars, reserve hotels, shop online safely.
• Unbelievable customer service.

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.