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Prepaid & Debit Cards

Prepaid Visa or MasterCard are pre-funded reloadable credit cards. Prepaid credit cards are also referred to as stored value cards. Credit cards can be put into two categories: secured or unsecured. These reloadable cards are secured cards because you have to deposit money into an account and this money is held as "security" before they can be used as credit cards. Once the money is used up, the secured card can no longer be used until more money is deposited with the card company. This is often referred to as "recharging" the prepaid credit cards.

PEX Visa® Prepaid Card For Business

Instantly fund employee purchases.
Gain 24/7 control over where and how much employees spend.
Save money - no surprise interest charges or overdraft fees.
Free Trial Period - No Monthly Fee for at least 2 months after you enroll
No transaction fees
No deposit fees
Cards are personalized with the cardholder's name
The funds on deposit are corporate funds - not employee-owned

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00*	No	No Credit Check*

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Prepaid credit cards are often used for consumers that are just starting off and looking for their first credit card. Because they have no prior credit experience, they have no credit, which is often equivalent to having bad credit in the eyes of a lender. Reloadable cards are a good way for a new borrower to experience having credit cards without the worry of overextending themselves. The borrower can only use the dollar amount that has been put on the reloadable cards.

Prepaid or secured credit cards are also great for borrowers that tend to spend too much and want to be able to control their spending while still having the luxury of credit cards. Because the money has to be deposited before the secured cards can be used, borrowers can get a real look at how much they are charging on the credit cards. Before applying for credit cards of any kind, the consumer should always read the fine print and terms and conditions of each card. This is particularly true with prepaid or secured credit cards as the fees and fines tend to be quite high with these reloadable cards.

Reloadable credit cards are often used for borrowers with bad credit. Rather than deny the borrower's request for a credit card because of bad credit, they will issue them a secured or reloadable credit card. This allows them to have a credit card while still controlling how much they put on the card. Prepaid credit cards give borrowers with bad credit a chance to build or reestablish their credit. Prepaid credit cards are usually accepted at any establishment that accepts MasterCard or Visa. They can also be used at ATM throughout the world.

If you have bad credit, no credit at all or are just interested in controlling the amount you spend with credit cards each month, prepaid or secured credit cards may be the perfect credit cards for you. Your local bank may be able to give you information on these convenient reloadable credit cards.

Introductory Rate	Purchases:	N/A*	Balance Transfers:	N/A*
Introductory Period	Purchases:	N/A*	Balance Transfers:	N/A*
Regular APRs	Purchases:	N/A*	Balance Transfers:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$0.00*	Balance Transfers:
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.