Top Rated Card Offers

The following credit cards are those to look out for. Qualified individuals will enjoy premium benefits and possibly low interest rates based on credit worthiness. All applicants are not guaranteed low interest rates but those who qualify best can be sure of picking the lowest APR amongst today's credit cards and might just be lucky enough to pick a card offering an interesting point or miles based rewards program. You might want to be on the lookout for an introductory APR period applied towards purchases through a length of time that's acceptable. Our reviews are well-written with most important information easily seen in segregated parts of the article. Feel free to click on each card for a full review listing out card charges and other benefits card members avail of.

UPside Visa® Prepaid Card

Save up to $230 compared with other prepaid cards
$0 activation fee. $0 monthly fee with total load of $400 or more
Free direct deposit from employers or load cash at 60,000 retailers
Write personal checks, best to pay rent or other bills

$10.00Opening Min

$0.00*App Fee

$0.00*Annual Fee

$1.50ATM Fee

4.5

Platinum Delta SkyMiles® Credit Card from American Express

Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
Earn one companion Coach Class ticket each year upon renewal
Earn at least 1 mile for every eligible dollar spent
Miles never expire and there is no cap on the miles you can earn
Pay with Miles: Pay for all or part of your flight with miles – and put the rest on your Card
Express Approval. Get a decision in less than 60 seconds. *See Card Terms and Conditions

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N/A*Intro APR

N/A*Intro Period

14.50%*APR

$150.00*Annual Fee

4.5

American Express Gift Card for Consumer

Accepted at Over a Million Places
Gift Cards can be used virtually everywhere in the U.S. that welcomes American Express Cards.*
Available in a variety of prepaid amounts
Gift Card denomination values range from $25-$500.
Replaceable
If the Gift Card is lost or stolen, the unused balance can be refunded/replaced.*

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$25.00Opening Min

$0.00*App Fee

N/A*Annual Fee

N/AATM Fee

5.0

FREE SPIRIT™ Onyx World MasterCard®

15,000 bonus miles after your first purchase - which is enough for 3 FREE roundtrip off-peak award tickets
10,000 additional miles for balance transfers made in the first 60 days after account opening
Annual fee waived for the first year
Complimentary $9 Fare Club membership (a $39.95 value!)
Priority boarding and domestic priority check-in
3 miles for every $1 spent on Spirit and 1 mile for every $1 spent anywhere else
Your miles never expire and more

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0%*Intro APR

6 months*Intro Period

15.24%*APR

$0.00*Annual Fee

4.5

American Express® Gold Card

Earn 10,000 Membership Rewards® bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in 60 seconds.

N/A*Intro APR

N/A*Intro Period

N/A*APR

$125.00*Annual Fee

4.5

USA Optimum Gold Merchandise Credit Card

Guaranteed Instant Online Approval!
$5000 Unsecured Gold Merchandise Credit Line!
NO Credit Checks or Credit Turndowns!
NO Employment Verifications!
Upon request, credit limits increases are available to those that qualify.
Establish Credit by Reporting to Major Credit Bureau!
Receive a *Free $50 Gift Card!
After enrolling you'll receive a $300 Grocery Coupon Card

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N/AOpening Min

N/A*App Fee

N/A*Annual Fee

N/AATM Fee

5.0

Med-A-Card Rewards Visa Prepaid Card

Guaranteed approval*
No Credit Check
Saves you up to 50% on healthcare
No waiting periods
No referrals or hassles
Use anywhere Visa Debit Cards are accepted

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$15.00Opening Min

N/A*App Fee

N/A*Annual Fee

N/AATM Fee

4.5

Urban Trust Success Prepaid Visa® Card

VISA Zero Liability
No Credit Check
No Overdraft Fees
No Minimum Balance
No Hidden Fees
Elastic Line of Credit (up to $500.00)

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N/AOpening Min

$0.00*App Fee

N/A*Annual Fee

$2.50ATM Fee

4.5

Upromise® World MasterCard® with Gas & Grocery Rewards

10% extra college savings on thousands of eligible grocery and drugstore items
2% extra college savings on eligible gas purchases at Exxon and Mobil locations
1% college savings on every purchase
Get $25 college savings bonus after the first qualified use of your account
No annual fee

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0%*Intro APR

7 - 10 months*Intro Period

20.99 - 12.99%*APR

$0.00*Annual Fee

5.0

YAP™ MasterCard Prepaid Card

Send and Receive Money Securely With Your Mobile Phone
FREE MasterCard Prepaid Card & FREE Shipping
FREE Instant Virtual Card – Shop Online Today!
FREE Direct Deposit
FREE Unlimited Purchase/ Signature Transactions
FREE Check Your Balance With a Text Message
$0 Activation Fee
$0 First Monthly Fee – Try it For FREE
$0 Monthly Fee When You Load at Least $500 Per Month (Otherwise Only $5!)
No Hidden Fees / No Overdraft Fees
Fully FDIC Insured
No Credit Check/ No Bank Account Required
FREE Account Management – Over the phone, online, with iPhone Yapplet, WAP site or text messages.

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$10.00Opening Min

$0.00*App Fee

N/A*Annual Fee

$2.00ATM Fee

5.0

VISA Gift Card - Personalised Gift Card

Personalized, Pre-designed, or Custom prepaid VISA Gift Cards for all occasions
Custom message on card
Load value from $20.00 to $500.00
No monthly fees
No annual fees
No maintenance fees
Shipped by USPS First Class (free) or by FedEx
Issued by by First Gulf Bank, N.A. pursuant to license from Visa U.S.A. Inc

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N/AOpening Min

N/A*App Fee

N/A*Annual Fee

N/AATM Fee

5.0

Ultra VX Visa Credit Card

UltraVX makes it easy to manage your finances
Automatic minimum payments
Reports to all 3 major credit bureaus
No credit check, no bank account required
Instant online approval
Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions (Subject to terms and conditions)

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N/A*Intro APR

N/A*Intro Period

18.90%*APR

$0.00*Annual Fee

4.5

eElite Plus Shopping Card

0% APR with No Annual Fee
Receive up to a $12,500 immediately*
No Credit Check
Unsecured Shopping Credit Line
Credit Line is Reported to Major Credit Bureau

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N/AOpening Min

N/A*App Fee

$0.00*Annual Fee

N/AATM Fee

4.5

Facecard Prepaid MasterCard®

Instant Guaranteed Approval* No Credit Check, No Security Deposit
FREE Direct Deposit - Easy and Immediate Access to Your Paycheck
FREE Money Transfers to Other Facecard Members - No More Wire Transfers
Pay Bills Online - No More Late Payments, No Stamps Required
Receive $15 of Extra Value on Average Per Month Via Prewards, Electronic Coupons Loaded Directly to Your Card

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$10.00Opening Min

$5.00*App Fee

N/A*Annual Fee

$1.50ATM Fee

4.5

Always review the terms and conditions that apply to any offer when making an online application. While every effort is made to ensure the accuracy of the information we provide, changes can occur without notice at any time. All information on credit cards is given without warranty. Certain restrictions, limitations and exclusions apply. Check your Guide to Benefits for details when you open your account.

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