Best instant virtual prepaid cards



It is very easy to apply for an instant virtual card. Fill out virtual prepaid card application and start online shopping or set up direct deposit the same day. Some cards provide cash bonuses if you enroll in direct deposit.

When choosing which instant virtual card to apply for it is very important to compare card fees, as most if not all instant cards are prepaid cards which often charge high/hidden fees. Instant prepaid cards do not require credit check and very easy to be approved for. As a cardholder you need to be aware of fees to avoid or decrease them to minimum. Choose the best instant virtual card for you and apply via secure online application.

Instant Virtual Prepaid Cards: Compare Fees

AccountNow Gold Visa® Prepaid Card

AccountNow® Prepaid Visa® Card

Monthly fee $0, if you load $2,500 or more in a month;
$9.95 otherwise*
$0
Activation fee $0 $4.95
Direct deposit Free Free
Adding cash Free Free
US signature purchase Free $1.00
US PIN purchase Free $1.00
Using ATM to obtain balance $1.00 $1.00
Using a U.S. ATM to withdraw money $2.50 $2.50
ATM decline fee $0.40 $0.40
Credit limit $10,000 $7,500
Bonus $25 bonus with free direct deposit $25 direct deposit bonus
$20 Refer-a-Friend program
Cards' features
  • 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.
  • $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.
  • 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
Apply


See all fees and rates on issuer's website

Best Instant Virtual Prepaid Cards: Activation and Monthly Fees Comparison


We start with comparing monthly and activation fees of instant virtual cards. There is no monthly fee for AccountNow® Prepaid Visa®, but there is low one time activation fee, which is $4.95. Cardholders can avoid monthly fee, which is $9.95, with AccountNow Gold Visa® Prepaid Card when loading at least $2,500 every months. Unlike AccountNow® Prepaid Visa®, AccountNow Gold Visa® Prepaid Card has no activation fee.


Instant Virtual Prepaid Cards: Direct Deposit, Purchase Fees


Both cards offer setting up free direct deposit with $25 bonus offer. Cardholders can also add cash absolutely free. AccountNow Gold Visa® Prepaid Card has no fees for U.S. signature and PIN purchases, when the other card charges $1.00 per transaction. Managing accounts online, online statements are free for both cards. There is $1 fee for calls to a customer service for AccountNow® Prepaid Visa® and $0.50 per call for automated phone system. AccountNow Gold Visa® Prepaid Card has no phone fees.


Best Instant Virtual Prepaid Cards Summary


If you plan to load $2,500 or more per months, AccountNow Gold Visa® Prepaid Card is the best choice for you as you'll avoid monthly fees, you won't have activation and purchase fees. When you can't afford to load $2,500 every months on a card, and you don't plan to make many purchases on a card every months then AccountNow® Prepaid Visa® would cheaper prepaid card for you. With AccountNow® Prepaid Visa® you can load cash, set direct deposit, manage your account online absolutely free and you don't need to pay monthly or annual fee.

Related Article: Top 10 Prepaid Debit Cards.


The article was updated on 3/3/2013. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies credit card applications.

Best Credit Cards Online has financial relationships with some of the credit card companies mentioned here, and we may be compensated if consumers choose to apply for the offers listed in the content, and ultimately sign up for them.

Discover is a paid advertiser of Best Credit Cards Online. See Discover credit card's application for complete Terms & Conditions.

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* See credit card applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.

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