Prepaid Credit Cards

Need a credit card but can't get on? Then apply for a prepaid credit card. The prepaid credit card allows you to use it like a regular credit card without the annual percentage rates and annual fees.

Prepaid credit cards work a little differently than regular credit cards. Prepaid credit cards are opened by loading the credit card with money and then the prepaid credit card can be used like a regular credit card at retailers and online merchants. It can even be used to pay your bills and top up your mobile phone, and you can withdraw cash with the prepaid Visa or Mastercard at an ATM.

Money can be loaded on to your prepaid card by cash, bank transfer or even another credit card, and because it is a Visa or Mastercard you can use it anywhere in the world.

Prepaid cards generally have the same uses as a credit card, so much so that they are commonly referred to as 'prepaid credit cards'. However, there is a difference. A prepaid card is completely powered by your cash and therefore the money you have in your prepaid account is the money you have to spend. This means there is no risk of running into debt. There are no credit checks and no interest to pay.

Virgin Prepaid Travel Visa Card

The secure way to spend abroad.
Available in Euros or US Dollars.
More convenient than travellers cheques.
No commission fees.
Free to top up with a debit card.
2.5% charge when you top up with a credit card.
No fee for a transaction in your card currency.
3.5% charge for a transaction not in your card currency.
€1.50 or $2 charge for cash withdrawal in your card currency.
3.5% charge plus €1.50 or $2 charge for cash withdrawal not in your card currency.
No application fee.

Caxton FX MasterCard

The Caxton FX MasterCard is a prepaid MasterCard designed for the worldwide traveller, and like your debit or credit card is accepted globally.
Euro, Dollar or Global cards available.
Guaranteed and competitive exchange rates (better value than the high street or airport).
Free to top up online with a debit card, over the phone or by SMS.
Wages can be paid directly onto the card with no need for a bank account.
Free to use in shops and restaurants and other retail outlets outside the UK.
Avoid Ryanair booking fees as they charge unless you use a prepaid MasterCard.
15% discount on all hotel bookings with HotelClub.
No ATM charges outside the UK.
Your Caxton FX MasterCard is completely free.

Rational FX MasterCard (Rational Travel Money Card)

The Rational Travel Money Card is a prepaid MasterCard designed for travellers and overseas spending, and like your debit or credit card is accepted worldwide.
Euro or Dollar cards available.
Guaranteed and competitive exchange rates (better value than the high street or airport).
Free to top up online with a debit card, over the phone or by SMS.
Wages can be paid directly onto the card with no need for a bank account.
Free to use in shops and restaurants and other retail outlets.
€1.50 or $2 charge for ATM withdrawals abroad depending on card.
Your Rational Travel Money Card is free (a £9.95 deposit is taken at sign up which is credited back on to the card when you first load money on to it.

Virgin Pay Monthly Prepaid Visa Card

Only prepaid card that gives you money off where it matters - on holidays, films, music, games, gyms, wine and more with Virgin discounts.
Free to use your card for purchases.
£4.75 monthly fee.
Free to top up with a debit card, direct transfer from your bank account and at Post Offices.
2.75% charge when you top up anywhere displaying the PayPoint logo.
2.5% charge when you top up with a credit card.
£1.50 charge when withdrawing cash at home or overseas.
2.95% transaction charge when using your card overseas for purchases only.
Virgin discounts.
Costs £9.95.

Virgin PAYG Prepaid Visa Card

Only prepaid card that gives you money off where it matters - on holidays, films, music, games, gyms, wine and more with Virgin discounts.
2.95% charge when you use your card for purchases at home and 3.5% charge overseas.
No monthly fee.
Free to top up with a debit card, direct transfer from your bank account and at Post Offices.
2.75% charge when you top up anywhere displaying the PayPoint logo.
2.5% charge when you top up with a credit card.
2.95% charge when withdrawing cash at home and 3.5% charge overseas.
Virgin discounts.
Costs £9.95.

BREAD Prepaid Maestro Card

Only prepaid card to achieve the 5* rating by www.which-prepaid-card.co.uk.
Competitive rates with no fees on purchases.
No monthly fee.
Can be loaded for FREE at the Post Office (funds available within 48 hours).
Can be loaded via PayPoint and BACS (free).
Free SMS balance checking service.
Apply online providing you have a UK driving license or international passport number together with a UK address.
Costs £10 and can be paid by another card or via SMS.