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Bad Credit Resources

Prepaid Cards

The following are the top prepaid debit cards available to consumers with a bad credit history. These cards require that you deposit funds in order to activate the card, and the charges you make to the card are deducted from this deposit. When your balance runs out, you will need to reload the card to continue using it. Each of these offers features a short signup process with no credit check or income requirements.
 

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  • 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.
  • Enroll in direct deposit today - receive your account number immediately.
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.*
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Always know your balance- by mobile app, email, or text message. Standard data rates apply.*
  • Earn cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.*
Category Rank
#1
Cards Offered
Visa®
Credit Needed
No Credit Check
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#1 Visa® No Credit Check Yes
  • 100% Approval - No credit check needed (ID verification required).
  • Get your paycheck or government benefits up to 2 days faster with free direct deposit
  • Earn cash back with NetSpend Payback Rewards™
  • Real-time activity alerts sent to your mobile phone.
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
Category Rank
#2
Cards Offered
Visa®
Credit Needed
No Credit Check
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#2 Visa® No Credit Check Yes
  • Enroll in direct deposit today - receive your account number immediately.
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.*
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Transfer money to another ACE Elite cardholder with no fee.*
  • Always know your balance - by mobile app, email, or text message. Standard data rates apply.*
  • Earn up to 5% APY while you save in an optional savings account.*
  • Earn cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.*
Category Rank
#3
Cards Offered
Visa®
Credit Needed
No Credit Check
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#3 Visa® No Credit Check Yes
  • $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
Category Rank
#4
Cards Offered
MasterCard®
Credit Needed
No Credit Check
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#4 MasterCard® No Credit Check Yes
  • $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
Category Rank
#5
Cards Offered
Visa®
Credit Needed
No Credit Check
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#5 Visa® No Credit Check Yes
  • Free Direct Deposit your paychecks!
  • 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
  • No credit or Checksystems™ checks
  • No bounced checks - Ever!
Category Rank
#6
Cards Offered
Visa®
Credit Needed
No Credit Check
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#6 Visa® No Credit Check Yes
  • Perfect for Direct Deposit Tax Refund - Get your Tax Refund Fast without a traditional bank account.
  • 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.
Category Rank
#7
Cards Offered
Visa®
Credit Needed
No Credit Check
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#7 Visa® No Credit Check Yes
  • Use Direct Deposit - get your paycheck or government benefits check up to 2 days faster
  • Get your money faster when you E-file and direct deposit your tax refund to your Control Card!
  • 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
Category Rank
#8
Cards Offered
MasterCard®
Credit Needed
No Credit Check
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#8 MasterCard® No Credit Check Yes
  • Unsecured Personal Loans from $100-$35,000
  • Good, Bad and No Credit Welcome!
  • Lower Interest rates.
  • Loans for any purpose.
  • No collateral, no problem.

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