Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Weekly Maint. Fee w/ 15 or More Transactions a Month
Free
Weekly Maint. Fee without Direct Deposit or more than 15 Trans.
$0.95
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Purchase at Merchant (The $1.00 retail purchase fee and the $1.00 online purchase fee are capped at $10.00 per month for any combination of the two.)
$1.00
Purchase Online (The $1.00 retail purchase fee and the $1.00 online purchase fee are capped at $10.00 per month for any combination of the two.)
$1.00
Telephone Purchase
$1.00
ATM Withdrawal
$1.95
ATM Balance Inquiry
$0.50
Point Of Sale Withdrawal
Live Teller Withdrawal
Online Balance Inquiry
Free
Customer Service Live Call
Free
Paper Statements per request
$1.00
Cancel Card
Replacement Card
$9.95
Monthly Maintenance Fee
None
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Purchase at Merchant (The $1.00 retail purchase fee and the $1.00 online purchase fee are capped at $10.00 per month for any combination of the two.)
$1.00
Purchase Online (The $1.00 retail purchase fee and the $1.00 online purchase fee are capped at $10.00 per month for any combination of the two.)
$1.00
Telephone Purchase
$1.00
ATM Withdrawal
$1.95
ATM Balance Inquiry
$0.50
Point Of Sale Withdrawal
Live Teller Withdrawal
Online Balance Inquiry
Free
Customer Service Live Call
Free
Paper Statements per request
$1.00
Cancel Card
Replacement Card
$9.95
Monthly Maintenance Fee
None
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
EYC stands for "Estimated Yearly Cost." This is a handy tool that Credit.com has created to help you compare the cost of using a particular credit card with other cards.
The EYC is not a required cost for using the card. It is just a formula for comparing different credit card offers that takes into account common fees & interest charges. If you pay off your balances in full each month, you can typically avoid interest and late fees associated with using credit cards.
* We do not include balance transfer fees or international currency conversion fees.
Prepaid cards offer the convenience of a credit card without the difficult approval process or risk of getting into debt. These cards work a lot like a gift card, you will have to load the account with cash (direct deposit is usually available) before you can use it for a purchase
Prepaid cards are not credit cards; you cannot spend more than the balance you have deposited and you will not be charged interest for your spending. The pre-paid account will not be reported to the credit bureaus as a credit card.
Pros:
Easy approval process, no credit required
The same fraud liability protections as a standard credit card
Easy to use for online or phone purchases
Access cash from ATM machines
Less expensive than check cashing services
Cons:
Expensive fees for opening and maintaining the account
Fees for loading money on the account or using the card for purchases
Very limited, if any, reporting to the credit bureaus
Does not help improve your credit the same way a credit card or secured card would
Much more expensive than opening a checking account and using an ATM card
Fees and charges can vary significantly between different prepaid credit card offers. Be sure to read the fee schedule for the prepaid credit card before you apply.
