First of all, a Prepaid Card is not a credit card. A credit card is issued to a customer as a form of payment for the purchase of goods and services by that individual. The issuer creates a line of credit to that customer. If the customer uses the credit card to purchase goods or services or for a cash advance, the customer must repay the debt monthly on a revolving basis, with interest, if the balance is not paid in full immediately after the debt is incurred. The credit card has a set account limit of the credit extended to the customer. Late charges can be added to the account if the payment due is received late to the issuer.

A Prepaid Card or Prepaid Debit Card is also called a reloadable card or stored value card. Prepaid Cards are a great way to manage money. They are accepted by merchants who honor the Visa or MasterCard brands, just as are credit cards. They are also accepted at ATMs worldwide. A Prepaid Card is a good choice for those who would like to control their spending with a pre-deposited amount placed in their account. Reloadable and convenient, and much better than carrying cash. Spend only what you deposit in your account, thus debt is not created by the consumer. Great for young people with a limited credit history or for individuals with damaged credit. Use your Prepaid Card to pay bills online, shop online or get a cash advance in an emergency. Once the money you load on your card is used up, it can be reloaded again and again to match you spending habits. You can stay within your budget and avoid a credit card debt load and associated interest costs, possible late fees, and a potential rise in your credit card interest rate. Many of the Prepaid Cards do not require a credit check or bank account. Prepaid Cards and Prepaid Debit Card issuers offer many different services to the card holder. The services vary by card, so you should review each card carefully to find the Prepaid Card that meets your needs. These services may include: no overdraft fees, no minimum balance, free direct deposit, free online bill payment and check writing, free credit score, free mobile banking and text alerts, online accounts and parental controls, along with many other perks. Check whether the card is for unlimited use, reloadable again and again, or is for one-time use. The one-time use Prepaid Cards are used many times as a gift for an individual. There are fees associated for the use of Prepaid Cards, and you should read the terms and conditions of each card carefully before you apply.

The top and most popular reloadable Prepaid and Prepaid Debit Cards are listed and previewed here. The cards are updated daily and new cards are added as they become available. We have listed the main benefits or highlights of each individual card, and you are welcome to review and compare each card. By clicking on the card name, you are taken directly to each card issuers' secure website for more complete information. FasterCredit.com saves you time and eliminates endless searching by listing the major Prepaid Cards used most by consumers in one place. We do not recommend or prefer one card over another, or are the cards listed in any particular performance order. The Walmart MoneyCard(SM) MasterCard® Prepaid Card is listed as most popular simply because it has generated the most applications, and is the most popular Prepaid Card on this website. Currently there are 35 cards listed here. Click on "apply" at any time to connect to each card issuers' website and secure online application form.

Copyright© 2012 FasterCredit.com - Please do not reprint without permission of FasterCredit.com.

Useful Articles

Changing airline rewards credit cards shouldn't cost you your miles

Don't play around with card phone scams

Joint account holder? You're likely stuck with that credit card debt

Tips for managing your first business credit card

Consumer debt sees biggest jump in a decade

10 things NOT to do when applying for a credit card

Survey: Minimum payment requirements haven't changed, we have

Rewards card holders' biggest mistake? Not using their miles

The American Express Prepaid Card is a prepaid, reloadable Card that gives you a safe and easy way to manage spending for yourself or the people you choose. An adult 18 years of age or older can purchase the American Express Prepaid Card. The Card Purchaser loads the Card with funds upfront and can reload it so that the American Express Prepaid Card User can use it again and again.

You can reload the Card as often as you wish either online or by phone. Plus, you and the people for whom you've purchased the Card can set up an online account to check the Card balance, view transactions and set up alerts.

• The benefits of Cardmembership start here!
• No Monthly, Annual or Purchase Fees
• No Overdraft, Inactivity or Foreign Exchange Fees
• Purchase Protection*
• Fraud Protection
• Roadside Assistance*
• No Credit Check

  Apply Now!

New For Teens!

Set up automatic reloads online, so instead of asking for money, teens will know when their allowance is coming. It's easy to reload PASS anytime, online or by phone.

• Prepaid reloadable Card parents give to teens
• Parents and teens can log in to their own online accounts to check the PASS Card balance, view transactions and setup alerts.
• Limit overspending and avoid teen overdraft fees
• Safer than Cash
• Automatic reloads
• Purchase Protection*
• Entertainment Access*
• Global Assist*

  Apply Now!

Six ways to reload the card - including MoneyPak® at thousands of Green Dot retailer locations. Fee varies.

• No issuance fee online
• No credit check or bank account required
• No overdraft fees
• No minimum balance required
• Free Direct Deposit
• $10 bonus with qualifying Direct Deposit (for a limited time only)
• Use everywhere MasterCard debit is accepted, including shop online, pay bills, get cash at ATMs

  Apply Now!

Six ways to reload the card - including MoneyPak® at thousands of Green Dot retailer locations. Fee varies.

• No issuance fee online
• No credit check or bank account required
• No overdraft fees
• No minimum balance required
• Free Direct Deposit
• $10 bonus with qualifying Direct Deposit (for a limited time only)
• Use everywhere Visa debit is accepted, including shop online, pay bills, get cash at ATMs

  Apply Now!

Silver Prepaid MasterCard®

• Guaranteed Approval (only valid ID required, NO credit check)
• Perfect card for Government/Benefits Checks recipients
• $0 activation with rebate*
• Free direct deposit of your pay or government check
• FREE account alerts via eMail, SMS or Text Messages
• Millions of ATM locations world wide
• Free unlimited purchase transactions anywhere where MasterCard Debit card is accepted
• No overdraft fees or minimum balances
• Online Checking - Electronic or paper checks

Click here and apply today for the Silver Prepaid MasterCard card

Instant Account Number - Perfect for getting your Tax Refund faster with direct deposit

• $25 bonus with Free direct deposit §
• 100% Guaranteed Approval* - No Credit Check
• $0 Activation Fee
• Free Online Bill Payment
• Up to $10,000 balance limit

  Apply Now!

*Click apply to view other important information

§ To qualify for the $25 direct deposit bonus, within 6 months after being approved to receive a card you must deposit at least $500 per month via recurring direct deposit in two or more consecutive months. See www.accountnow.com/help for additional direct deposit and bonus eligibility requirements.

Free Direct Deposit and $25 bonus §

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

  Apply Now!

*Click apply to view other important information

§ To qualify for the $25 direct deposit bonus, within 6 months after being approved to receive a card you must deposit at least $500 per month via recurring direct deposit in two or more consecutive months. See www.accountnow.com/help for additional direct deposit and bonus eligibility requirements.

Reloadable up to $10,000 Max Balance

The READY debit™ team develops financial tools to help you plan your spending, keep track of your purchases, and set aside more money for important events in your future—whether that's college, buying a home, or retirement.

• Get Your Premium Benefits:
• Exclusive Rewards Program
• Free Credit Score
• Free Mobile Banking and Text Alerts
• Free Online Bill Payment & Check Writing
• Free Direct Deposit — paycheck, benefits, tax refunds
• No Credit Check*, no Overdraft Fees or Balance Minimums
• Reloadable up to $10,000 Max Balance

  Apply Now!

Plus these great features:

● Account is fully FDIC-insured up to the balance of your card

● Easy cash reloading at 50,000+ retail locations

● Share money between two READYdebit cards instantly - You can move money from your READYdebit card onto another READYdebit card—yours or someone else's. It takes just a few seconds, the money's transferred immediately, and the transaction is free. This is a great way to send money to a family member or student away from home.

● No credit or Checksystems™ checks

● No bounced checks - Ever!

● Also, you can transfer money from a checking or savings account. It's totally free, and surprisingly easy.

● You can withdraw money at an ATM with your READYdebit® Platinum Visa® Prepaid Card. Look for any ATM that displays a Visa, Interlink, or NYCE acceptance marks. You'll need to enter your personal identification number (PIN) and choose "Checking" for the account type.

Click Here And Apply Now For The READYdebit® Platinum Visa® Prepaid Card

• Instant Account Number
• Free Credit Score
• Free Direct Deposit - paycheck, benefits, tax refunds
• Free Unlimited Purchase Transactions.
• Free Online Bill Payment & Check Writing
• No Overdraft Fees or Balance Minimums
• 100% Guaranteed Approval* - No Credit Checks
• Choose Your Card Color – Blue or Pink

  Apply Now!

• 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!

*Click apply to view other important information

• 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!

• $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!

*Click apply to view other important information

*Click apply to view other important information

• Only 3 Fees - that`s it - compare & save
• The card trusted by Tom Joyner
• Free Bill Pay & Check Writing
• Free Direct Deposit
• Free Customer Service
• No Overdraft Fees, Interest Fees or Hidden Fees
• No Credit Check Required - Sign up Today

  Apply Now!

• iBankUp comes with an UPside Visa prepaid debit card.
• Similar to a checking account with a Visa prepaid card
• 100% approval with no credit check and no activation fee.
• Save up to $220 compared with prepaid cards or checking accounts
• $0.99 monthly fee if $500 is loaded each month. (Only $2.99 otherwise).
• Free Direct Deposit from employers or deposit cash at 50,000 retailers.
• Write personal checks online: easy to pay rent or other bills
• Earn 1,500 cash back reward points for you first direct deposit load.
• Optional companion card available, as if you had a joint checking.

  Apply Now!

Get a $4.95 credit on your first MoneyPak® cash load (see site for restrictions)

• $0 Activation Online –with no credit check
• Access over 18,000 MoneyPass ® ATMs
• Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
• No Monthly fee for any month with at least 30 purchases
• No Transaction fees on US purchases
• No overdraft fees
• No Minimum balance required

  Apply Now!

Get a $4.95 credit on your first MoneyPak® cash load (see site for restrictions)

• $0 Activation Online –with no credit check
• Access over 18,000 MoneyPass ® ATMs
• Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
• No Monthly fee for any month with at least 30 purchases
• No Transaction fees on US purchases
• No overdraft fees
• No Minimum balance required

  Apply Now!

• 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!

• Similar to a checking account with a Visa prepaid card
• Save up to $220 compared with other cards, the first year alone
• 100% approval with no credit check and no activation fee
• $0.99 monthly fee if $500 is loaded each month. (Only $4.95 otherwise)
• Free Direct Deposit from employers or deposit cash at 50,000 retailers
• Write personal checks online: easy to pay rent or other bills
• Earn 1,500 cash back reward points for you first direct deposit load
• Optional companion card available, as if you had a joint checking

  Apply Now!

• A card truly designed for the 13-25 age group and their parents
• Full parental control. Safer than cash.
• Parents can load the card online from their own credit card or checking account.
• Instant online funding, great for emergencies when your child is away from home.
• If your child is in high school, you can set allowances and monitor his/her spending online. Also perfect if he/she is traveling without you.
• If your child is already in college, he/she can receive free direct deposits from an employer, write checks and most importantly stay out of debt.
• Apply online now. Only $2.99 a month or $29.95 a year.

  Apply Now!

• 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!

• A card with benefits that matter to you
• No credit check, No application fee, No obligation
• No-Fee Cash Withdrawals at ACE locations*
• Free unlimited purchase transactions with paid enrollment in FeeAdvantage Plan*
• Free Direct Deposit - Get paid up to 2 days faster, don`t stand in line or pay check cashing fees*
• Free Anytime Alerts™ - Get your balance and transactions via text or email*
• Free Savings Account - Receive 5.00% APY*
• Secure: Card funds are FDIC insured, backed by Visa Zero Liability*

  Apply Now!

*Click apply to view other important information

• As an official sponsor of the National Breast Cancer Foundation, purchases from the ACE Elite Card have contributed to over $2 million towards breast cancer awareness and detection.
• Free Direct Deposit - tax refunds get credited in as few as 8 days and paychecks are available up to two days faster*
• Direct Depositing $500 in one calendar month qualifies you for a $10 Purchase Cushion & our lowest fee plan*
• No credit check, No application fee, No obligation*
• Secure: Card funds are FDIC insured, backed by Visa® Zero Liability*

  * See website for complete details.

  Apply Now!

• New - Free Roadside Assistance
• New - Free Savings Account with 5.65% APY
• 1% Cash Back on Gas Purchases
• Free Direct Deposit so you can get paid faster
• Free Bill Pay online or over the phone
• Free Transactions and Customer Service
• No Overdraft Fees, No Interest Fees, and No Hidden Fees
• No Credit Check - 100% Approval

  Apply Now!

• 100% Guaranteed Approval* - No Credit Check
• Free Direct Deposit - sign up now and have a safe place to put your tax refund
• 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!

• 100% Guaranteed Approval* - No Credit Check
• Free Direct Deposit - sign up now and have a safe place to put your tax refund
• 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!

• 100% Guaranteed Approval* - No Credit Check
• Free Direct Deposit - sign up now and have a safe place to put your tax refund
• 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!

• 100% Guaranteed Approval* - No Credit Check
• Free Direct Deposit - sign up now and have a safe place to put your tax refund
• 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!

*Click apply to view other important information

• 100% Guaranteed Approval* - No Credit Checks
• $25 Cash Bonus, Free Activation & $0 Monthly when you use Free Direct Deposit
• Quick and Safe Access to your Money
• Easy Online Bill Pay

  Apply Now!

• PerkStreet Financial offers up to 2% cash back on debit card purchases – one of the best debit card rewards programs in America!
• Earn 2% when your Account balance is $5k+, or earn 1% when your Account balance is less than $5k
• The average American will earn $600 every year in cash back
• A great tool to improve your financial life – use your cash back to pay down your debt faster, save for your future, give back to others or just have some fun
• No cap on the amount of rewards you can earn plus no annual fee
• No monthly fees when you use your account
• Free online banking and bill pay
• Easy electronic transfers
• 24/7 customer support
• FDIC-insured deposits, up to $250,000

  Apply Now!

• 100% Approval - No credit check
• No bank account required
• No interest or late fees
• Free direct deposit
• Reloadable online or at 100,000 locations
• Up to $5,000 balance limit
• Mobile and email alerts
• Online Account Management at myExactAccount.com

  Apply Now!

• Instantly fund employee purchases.
• Gain 24/7 control over where and how much employees spend.
• Save money – no surprise interest charges or overdraft fees.
• Free Trial Period - No Monthly Fee for at least 2 months after you enroll
• No transaction fees
• No deposit fees
• Cards are personalized with the cardholder`s name
• The funds on deposit are corporate funds - not employee-owned

  Apply Now!