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American Prepaid Cards - Why use an American Prepaid Cards?

Application Fees
Transaction Fees
Monthly Fees
ATM Charges
Topup Fees
Net+ Canadian Dollar Card
Application Fee: Free
Transaction Fee: foreign-atm-fee, no-foreign-pos, no-uk-pos, uk-atm-fee
Monthly Fee: Free
ATM Charges: 6 CAD in UK - 2.95% abroad
Top Up Fee: Free - 1.75%
Rushcard Prepaid Card
Application Fee: $3.95 - $14.95
Transaction Fee: no-usa-pos, usa-atm-fee
Monthly Fee: $9.95
ATM Charges: $2.50 (two free per month)
Top Up Fee: Free
Buyright Prepaid Card
Application Fee: $9.95
Transaction Fee: foreign-atm-fee, foreign-transaction-fee, no-usa-pos, usa-atm-fee
Monthly Fee: $7.95
ATM Charges: $2.00 in USA - $5 Outside USA
Top Up Fee: Free - $1.50
Greendot  Prepaid Card
Application Fee: $4.95 - $6.95
Transaction Fee: foreign-atm-fee, foreign-transaction-fee
Monthly Fee: $5.95
ATM Charges: Free - $2.50
Top Up Fee: Free - 3%
Netspend Vitual Card
Application Fee: Free
Transaction Fee: foreign-atm-fee, foreign-transaction-fee, no-usa-pos, uk-atm-fee, uk-transaction-fee, usa-atm-fee
Monthly Fee: $9.95
ATM Charges: $2.50 in USA - $4.50 Outside USA
Top Up Fee: Free - $4.95
Upside Access card
Application Fee: Free
Transaction Fee: foreign-atm-fee, foreign-transaction-fee, no-uk-pos, uk-atm-fee, uk-transaction-fee, usa-atm-fee
Monthly Fee: $2.99
ATM Charges: $1.49 in USA - 2% abroad
Top Up Fee: Free - $2.00
Upside Edge Card
Application Fee: $29.95 (Refunded based on card activity)
Transaction Fee: foreign-atm-fee, foreign-transaction-fee, uk-atm-fee, uk-transaction-fee
Monthly Fee: Free
ATM Charges: $1.49 in USA - 2% abroad
Top Up Fee: Free - $2.50

Why use an American Prepaid Cards?

The majority of the US credit card holders have escalating bills due to imprudent shopping spree and accrued penalties for not paying on time the full balance amount. As a consequence, you will either be ruining your credit history, which is very essential in your future bank loans or live in a financial tight situation until you paid off your credit card debts.

It is indeed very difficult to discipline ourselves when it comes to spending money through US prepaid card. The fact that the hard cash is not physically coming out from our pocket, we don't feel the out of control expenses until we see our credit card bills in the end of the month.

If you have this bad credit card habit, the best solution for you is to use these prepaid credit cards. It is actually the latest card concept that is similar to debit card, prepaid gift card or prepaid mobile phone card. The prepaid credit card will still look the same as typical credit card however it differs in the credit limit. The amount loaded into your prepaid credit card will be your credit limit.

Though the prepaid credit cards will have the same functionality with the conventional credit card, you will be able to purchase goods or do any payments within your credit limit. It means that you can still shop online using your prepaid credit card, pay your bills, and withdraw cash and more.

As prepaid credit cards will depend on the preloaded money, it will avoid the risk of overspending and crossing your maximum credit limit.

The one of the advantages of using a prepaid credit card is the no potential of debt risk. You will indeed be forced to stop spending as you run out of the amount preloaded into your card. There will be no overspending on top of your credit limit hence it eliminates penalties for late payments and accrued charges.

Another good deal about using prepaid credit cards is its convenience and easy availability. As you will not be asked about your previous credit history, you are therefore free to apply for prepaid credit card even though you have a bad credit history. Apart from it, there will be no credit checks requirements.

Using the prepaid credit card is also considered as an ideal way to budget you and your family's finances. You can preload the money that you intend to allocate only for certain purpose. This is also very effective way of disciplining your children. Instead of giving them a typical credit card for emergency purpose special those who are studying away from home, a prepaid credit card will ensure that they will not go beyond the maximum credit limit.

As most of the prepaid credit card holder offers it in euro and dollar currencies, it is a great way to travel with prepaid card. It can be accessed as well in all ATMs worldwide with better conversion rate.

US prepaid card
It is indeed a wise option to take and to use prepaid credit cards compared to a conventional credit card as it eliminates the risk of escalating bills and accrued charges. It is the best way to keep a free debt lifestyle.