The Best Prepaid Debit Cards Available Today

Here are the best Prepaid Debit Cards available at FreeDebitCardStore.com:

 

AccountNow® Gold Visa®
Prepaid Card

Prepaid Debit Card Not A Credit Card

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.
$10,000 balance limit. Your alternative to a traditional bank account. Deposits are FDIC insured.
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.

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AccountNow® Prepaid Visa® Card

Prepaid Debit Card Not A Credit Card

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 accepted
Now with Purchase Rewards
Perfect for Occasional Usage

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AccountNow® Prepaid MasterCard®

Prepaid Debit Card Not A Credit Card

$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

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Pink ACE Elite™ Visa®
Prepaid Card 

Prepaid Debit Card Not A Credit Card

Official Sponsor of the National Breast Cancer Foundation (NBCF).
Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
Get paid up to 2 days faster with free direct deposit of paychecks and government benefits*
Free Anytime Alerts™ - Get your balance and transactions via text or email*
Secure: Card funds are backed by Visa® Zero Liability*

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Prepaid Visa® Purple Diamond RushCard

Prepaid Debit Card Not A Credit Card

Enroll in Direct Deposit and get your pay up to
two days early. *Certain restrictions apply.
See card site for details.
Safer than carrying cash, use everywhere
Visa debit cards are accepted.
Choose from multiple fee plan options,
and switch for free.
Conveniently send money to family and friends
with card to card transfers.
Free 24/7 customer service. $0 Activation Fee
Refer-a-Friend Program

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_______________________________

Prepaid Visa® Pink Diamond RushCard

Prepaid Debit Card Not A Credit Card

Enroll in Direct Deposit and get your pay up to
two days early. *Certain restrictions apply.
See card site for details.
Choose from multiple fee plan options,
and switch for free.
Earn fee rebates for maintaining balance in
RushGoals program.
Transfer money to another RushCard member
for just $0.99.
Free 24/7 customer service. $0 Activation Fee
Refer-a-Friend Program

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Prepaid Visa® Black Diamond RushCard

Prepaid Debit Card Not A Credit Card

• Get your government benefits up to two days early
• with Direct Deposit. *Certain restrictions apply.
• See card site for details.
  Easy Online Bill Pay - pay bills, rent, or
• write personal checks.
  Safer than carrying cash, use everywhere
• Visa debit cards are accepted.
  No overdraft fees.
  Conveniently send and receive money to and from family and friends with card to card transfers. $0 Activation Fee
• Refer-a-Friend Program
• Get Card

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Prepaid Visa® Baby Phat RushCard

Prepaid Debit Card Not A Credit Card

• Real time activity alerts via text, email, and mobile app. *Standard text messaging rates from
• your wireless provider apply.
• Easy Online Bill Pay - pay bills, rent, or
• write personal checks.
• Free 24/7 customer service.
• Your Funds are FDIC-insured through The Bancorp Bank; Member FDIC.
• $0 Activation Fee
• Refer-a-Friend Program
• Get Card

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KLS Prepaid Visa® RushCard

Prepaid Debit Card Not A Credit Card

• Get your government benefits up to two days early
• with Direct Deposit. *Certain restrictions apply.
• See card site for details.
  Stay connected - keep track of your money
• online and on your mobile.
  Your Funds are FDIC-insured through
• The Bancorp Bank; Member FDIC
  No overdraft fees
  Easy Online Bill Pay - pay bills, rent, or
• write personal checks.
• $0 Activation Fee
• Refer-a-Friend Program

Get Card
_______________________________

Prepaid Visa® Classic RushCard

Prepaid Debit Card Not A Credit Card

• Enroll in Direct Deposit and get your pay up to
• two days early. *Certain restrictions apply.
• See card site for details.
  Choose from multiple fee plan options,
• and switch for free.
  Transfer money to another RushCard member
• for just $0.99. No overdraft fees.
  Your money is covered by Visa Zero Liability protection. *Certain restrictions apply. See card site for details.
• $0 Activation Fee
• Refer-a-Friend Program

Get Card
_______________________________

PayPal™ Prepaid MasterCard®

Prepaid Debit Card Not A Credit Card

Real-time mobile alerts notify you of transactions and balances.
Free direct deposit - get your paycheck and
government benefits up to 2 days faster.
Instantly transfer money from your PayPal Account
to your PayPal Prepaid MasterCard®!
No credit check, overdraft fees or interest charges.
Get cash back rewards.
Safer than carrying cash - use it to pay for
everyday purchases.

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Control® Prepaid MasterCard®

Prepaid Debit Card Not A Credit Card

• Use Direct Deposit - get your paycheck or
  government benefits check up to 2 days faster
  Refill a Prepaid Phone using your Control card - Get $1 back each time you add $25 or more.
  Simple fee plan with no cost to order or
  activate a card and no overdraft fees
  Qualify for a $10 Purchase Cushion and $5/month fee plan
  after a Direct Deposit of $500 in one calendar month
  Earn Cash Back Rewards & Refer A Friend bonuses
  Free Bill Pay and online budget management tools
  Transfer money to other cardholders online
  or with your mobile phone
  Free Smartphone App - check your transactions, balance
  and find the closest reload location

Get Card
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PEX Visa® Prepaid Card
For Business

Prepaid Debit Card Not A Credit Card

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
Get Card
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Netspend® Visa Prepaid Debit

Prepaid Debit Card Not A Credit Card

• 100% Approval - No credit check required*
• Get paid up to 2 days faster with free Direct Deposit*
• Pay rent, utilities and other bills online or over the phone
• Track spending with online budgeting tools and alerts to your mobile phone
• Refer-a-Friend Program
• Get Card

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Account Now: Still #1 for Prepaid Debit Card Carrying Consumers

Networks To Help Women In Debt

There are many reasons women fall into debt. Student loans, credit cards and mortgage payments all contribute to the debt load many women carry.

While paying off debt can be challenging, the Internet has made it easy for women to access networks and resources that can help them become debt-free. Some networks aimed particularly at women in debt include the Women in Red Racers, the Women's Financial Network, and Debt Help for Women.






Women in Red Racers

The Women in Red Racers is an online network of more than 1,000 women from throughout the world who exchange advice on getting out of debt. Its name comes from the idea that each individual in the group is racing to pay off her debt as soon as possible. The group primarily interacts through message boards hosted by MSN Money. To join, members must disclose their general financial information and post updates on how well they are doing at paying off their debt. According to Good Housekeeping magazine, the community provides tips, feedback and encouragement for women and has helped its members pay off millions of dollars in debt since 2006.
   
Women's Financial Network

The Women's Financial Network is an online organization affiliated with Siebert Financial. It provides women with free tools needed to make educated financial decisions. The network offers an online course that helps women identify their debt problems, take action to reduce their debt and stay out of debt. In addition, the Women's Financial Network provides women with links to further reading, debt calculators and free debt-management worksheets.
   
Debt Help for Women

Debt Help for Women is a network that works with women to help them reduce their substantial credit card debt. It offers a free telephone consultation in which women can receive advice on reducing their debt quickly. By utilizing attorneys in this process, Debt Help for Women is able to come up with effective solutions and start women on a debt-free path. According to the network's website, women must live in an eligible state and have more than $10,000 in credit card debt to utilize its services.


Balance Transfer Credit Cards with Low Interest Offers at: www.CherokeeFinancialInc.com

How To Keep RFID Cards Safe

RFID credit cards use a radio frequency to transmit personal financial data. They are not swiped through a scanning machine like a traditional credit card. Unfortunately, RFID credit cards can be skimmed when an unauthorized user grabs the unencrypted data from your card using an RFID reader. The technology Website EnGadget found that data from RFID credit cards is easily skimmed using an $8 reader purchased on eBay. Credit card companies are aware of the problem and are creating security fixes, but there are a number of steps you can take to protect your financial information.






Instructions:
       
1. Leave your RFID credit cards at home. If you are concerned about the safety of your information on your card, use it only at home for online purchases. Pay for purchases outside your home with cash or regular credit cards.
       
2. Stack your RFID credit cards together in your wallet. Putting your cards next to one another will make it harder for a scanner to read the data on a particular RFID card. However, this only offers a small amount of protection.
       
3. Wrap your RFID credit cards in aluminum foil before putting them in your wallet. Some users have reported that this simple, homemade technique helps block RFID scanners from reading the card.
       
4. Consider a credit card shield for more advanced protection. There are a number of companies that manufacture shields that hold your credit card when it is not in use. Most companies use aluminum material to prevent RFID scanners from reading the data on your card, and they usually cost less than $10.
     
5. Consider a special wallet, such as a DataSafe wallet, if you would prefer not to have a separate shield for each individual credit card. These wallets look completely normal, but they are manufactured with materials that have been approved by the Government Services Administration to
block RFID transmissions.  The most inexpensive aluminum wallets can be purchased at Family Dollar for around $10.
       
6. Monitor your credit card statements regularly for errors or odd charges. Credit card theft and fraud can occur even after taking the best precautions, but regularly monitoring your bank statements can alert you to any suspicious activity.

In addition to keeping a close eye on your credit card statements, it is always a good idea to monitor your credit report. This can alert you to any unauthorized accounts that have been opened in your name. It can help you protect your credit.

For All Of Your Credit Card, Prepaid Debit Card, Checking & Savings Accounts, Loans & Credit Monitoring Needs, Visit: www.CherokeeFinancialInc.com

Prepaid Debit Cards

Prepaid Debit Cards

Last Updated: December 22, 2011

Check Out Our Recommended Debit Cards

If you're frustrated because it seems as though a credit card is necessary to get by in today's world, and you've been unsuccessful getting one due to a poor credit history, you might consider a prepaid credit card. You'll have most of the advantages of a credit card, and you won't haveto worry about interest charges. One significant benefit of the prepaid credit card is that you can charge to your heart's
(I mean your deposit limit's) content, and you won't be in debt; the money is yours and once it's gone, you can't spend any more until you add more funds.

What is a Prepaid Debit Card?
A prepaid credit or debit card account is opened by depositing money into an account you establish with the card issuer, much in the same way you would make a deposit to open a checking or savings account. Once you fund the account with a designated amount, you are issued a prepaid credit
or debit card that can be used anywhere one would use a regular credit card. A prepaid credit card is not really a credit card, as no credit isoffered by the card issuer; the card-holder simply spends money which has been "stored" via a prior deposit by the card-holder or someone else, such as a parent. It's very similar to using a debit card linked to a savings or checking account; there are no monthly bills associated with the card, or interest charges; but there are still fees involved, so consumers should always do their research and understand the cost of their"credit".

Why Are These Called Credit Cards?
The reason why the word "credit" is associated with these prepaid cards is because most cards carry a credit-card brand (such as Visa orMasterCard) and can be used in similar ways. It's really no more than a stored value card that can be used in multiple locations due to the Visa(or other credit card) insignia. As more consumers require a suitable solution torebuilding credit, recent changes have allowed some credit cardcompanies to offer pre-paid credit cards to help rebuild credit. However, they are harder to find, and many have higher fees associated with them; so make sure you do your research. Many pre-paid products falsely claim they will improve your credit rating.

Benefits of a Prepaid Credit Card
1. There is no such thing as overdrafting your account; you cannot exceed your limit.
2. Prepaid credit cards can be a big advantage to low-income consumers who might otherwise be stuck dealing in cash, unable to make such basic transactions as paying for gas at the pump, paying bills online, or making car rental or hotel reservations.
3. Contingent on the card you select, your money may be protected if your card is ever lost or stolen.
4. Prepaid credit cards are a convenient way to pay for goods when traveling, even outside the U.S.
5. Prepaid credit or debit cards are often marketed to teenagers for shopping online without having their parents complete the transaction, or as a convenience for parents wishing to provide funds to children away from home.
6. Obtaining a prepaid credit card is easy, fast, and requires no credit check.
7. Some prepaid credit cards today report card history to major credit bureaus, so cardholders may be able to build or rebuild their credit using a prepaid credit card without the risk of damaging it along the way.
In summary, prepaid credit cards are a good solution for anyone who does not want to be tied down to a banking institution, anyone wanting a more secure way to carry their money than simply cash, or anyone having troubles being approved for a credit card. In today's society that is more and more cashless, somebody who doesn't have access to cashless transaction vehicles is at a major disadvantage.

Disadvantages to Prepaid Credit Cards
There are a number downsides to the prepaid card.
1. Most cards require a start-up fee, and while for many companies this fee is minimal, some of them are substantial. In addition, you'll most likely have to pay additional fees each time you deposit more cash into your prepaid credit card account; perhaps not as much as the initial fee, but a fee, no less.
2. Some cards will allow you to add more funds for free, but may charge a monthly "maintenance" fee instead.
3. Another downside is that many businesses that accept automatic payments from bank or credit card accounts may not accept them from prepaid cards. For most consumers this is a minimal annoyance, but for some it can be a significant setback.

As with any credit product, when selecting a prepaid card you should always do your research and make an informed decision on the best card to meet your individual needs. As stated previously, there may be a number of different fees associated with using a prepaid credit card, some of which might be high enough to offset any benefits. A prepaid credit card will generally carry more fees than a secured or unsecured credit card (presuming you pay them off monthly) therefore a prepaid card may only be a good option for those who cannot obtain any other form of credit, but require the convenience of a credit card. 

Now let's define some of the fees you might encounter in researching the available prepaid credit cards:
-Sign-up or Start-up Fee: Self-explanatory. May range from "free" to $50.
-Transaction, POS, or Usage fee: A fee assessed each time you use the card at a store, online, by phone, etc. Typically it is "no charge", but there might be a small fee (under $1.00).
-ATM Withdrawal fee: Can range from "free" to $5.00 or more. May be higher for International withdrawals.
-Monthly Maintenance Fee: A fee charged to your account each month. Sometimes there is no fee for the first few months, and then one kicks in after 6 months; can range from "free" to $10 or less.
-Reloading or Recharging Fee: A fee charged to you for adding more money to the account where your money is being held. Depending on the method used to add or transfer the money (at a retail location, using another credit card, cash, etc) the fee may differ. Typically "free" to less than $5.
-Balance Inquiry Fee: A fee to provide you information about your available balance. Can vary contingent on the method you use to request the information: online, telephone, ATM. May range from "free" to $3.00 or less.
-Monthly Statement Fee: A fee for obtaining monthly transaction history. May be up to $10 if sent by mail, however is typically free of charge if you go to the card issuer's website.
-Cancellation/Refund Fees: A potential fee for cancelling your card altogether or requesting a partial refund of monies loaded onto the card.
-Insufficient Funds/Overdraft Fees: A fee charged if you attempt to make a transaction and it is refused to to inadequate funds in your account;or, it goes through anyway but you exceed your limit. Usually under $3.00.
-Foreign Currency Conversion Fee: A fee, usually a percentage of the total amount spent, charged to convert from another currency during international transactions/travel.
In Summary: Check out the various types of pre-paid debit and credit cards on the market. Read the terms and conditions carefully, and define your objectives for needing this product.
Depending on your individual needs, you may find that a traditional credit card, a secured credit card
or a debit card will work better for you and save you money in the long run.

Here are a few Prepaid Debit Cards We Highly Recommend:

Account Now Voted #1 in 2011

Debit Card Links

Account Now Visa:
Apply Here
Sign up here.  Refer-A-Friend Program, earn up to $20 cash commission.  Unlimited $20 Referral Commissions.*  1st Load of $50 or more, get $10 cash free added to your card.

              

 Apply Here  Sign up today and receive your card in as little as 7 business days.  Voted #1 when compared to Walmart's Money Card Debit Card.  Referral Program available via affiliate application.  Great Financial Tool to have locally and when you travel.



For a Complete Updated List of Prepaid Debit Cards & Credit Cards, Go To:

www.FreeDebitCardStore.com


* Refer-A-Friend Program commissions are contingent upon being referred by this site, activating your new card when it arrives and adding the necessary funds to the card with an initial load amount within the specified term period of 30 or 60 days.  Your referral, must in turn sign up under you, activate their new card when it arrives and fund the card with the necessary required 1st load amount within a period of time determined by individual Prepaid Debit Card Providers--usually 30 or 60 days. 
Hint: Refer-A-Friend doesn't exactly mean your friends or family, it can be anyone.

Merchants Can Now Discourage Credit Card Purchases Under $10

Merchants can now decline credit cards or debit cards for purchases under $10, due to changes in the financial laws. They can also favor debit cards over credit cards for such purchases. The reason? Interchange fees are what Visa and MasterCard charges merchants for using their networks. For smaller purchases such as those under $10, the fees to merchants are even higher. This means that if you buy something for $10, the merchant might be charged 3% of that sale by Visa or MasterCard. Unless they pass on that cost in the form of higher prices, they simply earn 30 cents less revenue. If their total margin on the sale is only 10%, then they only make 7%, or 70 cents instead of a buck.

As yet, few stores are taking advantage of the new credit card rules. This is probably because they do not want to alienate buyers in a down economy. However, just as the above picture illustrates, some are beginning to make distinctions. Prior to the new financial regulations, merchants were actually prohibited from offering discounts for cash purchases under their agreements with Visa and MasterCard.

You may also discover merchants who will take a credit card if you are just buying a pack of gum, but tack on $5 as a surcharge. Now it's likely that no one would accept such a surcharge except for the occasional "gum emergency."  Liquor stores and Discount Cigarette Stores in Houston, TX and surrounding areas, as an example, have in the past and continue to abuse their Merchant accounts and pad your bill with fees because you use your credit or debit card to make purchases with them.  For a purchase of a carton of cigarettes, they have been known to add $1.00 or more as an added fee for using your credit or debit card and 50 cents for a single pack of cigarette purchase.  When you ask why, they say it is the fee for them to accept your credit card or debit card.  All of this was taking place long before the new financial rules were ever considered.  It all makes me want to slap someone!