AccountNow Prepaid Visa

This card allows you to borrow money and build credit history with no minimum balance and no overdraft fees.

  • One low monthly fee of $9.95
  • Easily deposit your paycheck and pay bills for free
  • Free Online Bill Pay and free Credit Builder help build credit worthiness

Intro Offer Borrow money and build credit history
Interest Rate N/A
Annual Fee $9.95/mo
Additional Benefits

  • Deposit paycheck and pay bills for free with AccountNow prepaid account
  • Protected from unauthorized purchases with MasterCard’s Zero Liability protection
  • Access cash at over one million ATMs worldwide
  • Build credit worthiness by reporting your payment history to PRBC®, a national credit reporting agency

In Short: Borrow money and build credit history


Wired Plastic Prepaid Visa

Regular APR: NA
Introductory APR: NA
Annual Fee: $0
Card Type: Rebuilding Credit with Points
Credit Needed: Bad Credit

One of the few prepaid credit cards with a rewards program. Sign up today and avoid interest fees while paying with plastic.

  • Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
  • Pay Anyone Online or Over the Phone
  • Credit Builder with Overdraft Protection

Intro Offer Receive your card in as few as 3 days!
Interest Rate N/A
Annual Fee $0*
Rewards Details

  • FREE Rewards Program – Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
  • FREE Bill Pay Service – Pay Anyone Online or Over the Phone
  • FREE Credit Builder with Overdraft Protection

In Short: More features than any other prepaid with low fees


Vision Premier Prepaid Visa

Regular APR: NA
Introductory APR: NA
Annual Fee: $0
Card Strength: Rebuilding Credit
Credit Needed: Fair

Use your Vision Premier Prepaid Visa at grocery stores, restaurants, retail stores, gas stations, and relax knowing your money is safe.

  • Earn one Vision Reward point for every $1 you spend
  • Earn 200 reward points and redeem $1 towards the purchase of prepaid wireless airtime
  • Get cash at millions of ATM locations worldwide

Intro Offer Earn one Vision Reward point for every $1 you spend
Interest Rate N/A

N/A on purchases
Rewards Details

  • Free account balance emails or cell phone texts
  • Free 24/7 online account access
  • Transfer money from your Vision Card to the bank account of your choice for free
  • Get cash at millions of ATM locations worldwide

Online Account Management Yes
Consumer Protection Unauthorized transactions are protected by the Visa Zero Liability policy

In Short: Earn one Vision Reward point for every $1 you spend


Public Savings Bank Secured Black Card

Regular APR: Prime + 7.99%
Introductory APR: 0% APR (6 Months)
Annual Fee: Yes
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Establish positive credit history with this excellent card designed especially for pople with no credit history, or who have current and past credit problems.

  • Reports to ALL 3 Bureaus
  • No income requirements
  • All applications accepted!

Intro Offer Start establishing positive credit history
Interest Rate 0% APR on purchases for 6 month

Prime + 7.99% on purchases
Annual Fee Disclosed in the document that accompanies your Card
Cash Advance

  • Introductory APR: 10.99% for first 6 billing cycles
  • Regular APR: 19.99% – 23.99%
  • Cash Advance Fee: The greater of $5.00 or 3.5% of the total dollar amount advanced for each cash advance

Rewards Details

  • Choose your credit limit. Up to $1 million
  • Build good credit – reports to all 3 major credit bureaus
  • Accepted where you see the Visa logo
  • * Free 24-hour online account access

Additional Benefits

  • Free Visa Rewards including auto collision damage and emergency card replacement

Consumer Protection

  • $0 fraud liability

Bottom Line Establish credit with a secured Visa


Next Millennium Visa Standard

Regular APR: 19.50%
Introductory APR: NA
Annual Fee: $59
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Raise your credit score by paying off bills linked to a savings account. Rest easy knowing that you have the money to back up your purchases.

  • Approval guaranteed
  • Secured credit limit of up to $5,000
  • No credit check

Intro Offer Get a secured line of credit of up to $5000
Interest Rate 19.50% on regular purchases
Annual Fee $59
Cash Advance

  • * APR: 19.50%
  • * Cash Advance Fee :2% of advance (min. $1.00)

Rewards Details

  • * Approved regardless of credit history
  • * Secured credit limit of up to $5,000.00
  • * Get cash at over 740,000 ATMs
  • * Accepted wherever MasterCard® is accepted

Consumer Protection

  • FDIC Insured

In Short Rebuild credit and get Visa benefits


MTV Visa

Regular APR: 16.90% Variable
Introductory APR: 0% APR Until 5/2010
Annual Fee: $0
Card Strength: MTV Rewards
Credit Needed: Good
16.90% variable 0% APR until May 2010 on purchases $0 Points Good

Having fun is even more rewarding when you get points for all of the purchases you make.

  • 0% intro APR–pay no interest on purchases until May 2010
  • Earn rewards on entertainment, dining, and all of your other purchases
  • Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings

Intro Offer 0% APR on purchases until May 2010
Interest Rate 0% APR until May 2010 on purchases

16.90% variable on purchases
Balance Transfer Regular APR
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
  • Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
  • 1 point per $1 spent on everything else
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings
  • Choose from 4 unique MTV card designs or create your own image card
  • Credit and financial education

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • $0 Fraud Liability if your card is lost or stolen
  • Travel Accident Insurance
  • 24-Hour Travel and Emergency Assistance
  • Emergency card replacement or cash advance
  • Auto rental insurance

In Short MTV Rewards and Events as well as points


IberiaBank Visa Platinum

Earn bonus points for every purchase every day. Low variable rate and no annual fee.

  • 1 bonus point for ever $1
  • Points are good for hotel, travel, and gift rewards
  • No balance transfer fees

Intro Offer 1 bonus point for every $1 in qualifying net retail purchases
Interest Rate N/A

As low as 8.00% on purchases
Annual Fee None
Balance Transfer 0% APR for 6 months, regular APR thereafter
Cash Advance As low as 12.00%
Rewards Details

  • Earn 1 bonus point for every $1 in qualifying net retail purchases
  • Turn your points into hotel, travel, gift or experience rewards
  • Low APR for excellent credit
  • No Annual Fee
  • Online access to credit card account information

Grace Period At least 25 days when you pay your balance in full each month
Online Account Management Yes
Consumer Protection Travel accident coverage up to $500,000
Bottom Line A great way to earn bonus points with every purchase


IberiaBank Visa Classic

Regular APR: 7.00%
Intro APR: 0% for 6 months
Annual Fee: $0
Card Type: Low APR
Credit Needed: Excellent

For people with excellent credit, this is a great card with a low APR and a lot of purchasing power.

  • No annual fee
  • APR as low as 7.00%
  • Accepted worldwide

Intro Offer 0% APR on balance transfers for 6 months
Interest Rate N/A

As low as 7.00% on purchases
Annual Fee None
Balance Transfer 0% APR for 6 months, regular APR thereafter
Cash Advance As low as 11.00%
Rewards Details

  • Low APR for excellent credit
  • No Annual Fee
  • Online access to credit card account information

Grace Period At least 25 days when you pay your balance in full each month
Online Account Management Yes
Bottom Line A great card with a low APR


Citi Forward Visa

Regular APR: 12.24%
Introductory APR: 0% (6 months)
Annual Fee: $0
Card Strength: Points
Credit Needed: Good

Get more out of your purchases with the credit card that rewards you for good behavior.

  • 6,000 bonus points after $50 in purchases made within 3 months of account opening
  • 5,000 bonus points when you sign up for paperless statements within 3 months of account opening
  • 5 reward points for every $1 you spend on dining, books, movies and music

Intro Offer 0% intro APR for 6 mos. on purchases and balance transfers
Interest Rate 0% APR for 6 months

12.24% on purchases
Balance Transfer 0% for 6 months, regular APR thereafter

Balance transfer fee: 3% of amount of balance transfer ($5 minimum).
Cash Advance 21.99%

Cash advance fee: 3% for each cash advance ($5 minimum).
Rewards Details

  • 6,000 bonus points after $50 in purchases made within 3 months of account opening
  • 5,000 bonus points when you sign up for paperless statements within 3 months of account opening
  • Get a .25% purchase APR reduction each time you make a purchase, stay under your credit line and pay on time 3 billing periods in a row (maximum of 8 reductions)
  • 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases

Online Account Management Yes
Bottom Line Get points for good behavior with this card


Orbitz Visa Platinum

Regular APR: 16.9% Variable APR
Introductory APR: 0% APR
Annual Fee: $0
Card Type: Visa
Bank: Capital One Bank
Credit Needed:
16.9% variable APR 0% APR until May ’10 on purchases $0 Points Good

Intro Offer 3 points per $1 spent on eligible Orbitz bookings & 1 point per dollar on all other purchases
Interest Rate 0% APR until May ’10 on purchases

16.9% variable APR on purchases
Balance Transfer Regular APR
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • 3 points per $1 spent on eligible Orbitz.com bookings
  • Bonus points on eligible Orbitz.com bookings
  • 1 point per $1 spent on regular purchases
  • 3 times the rewards than any other card on eligible Orbitz.com bookings
  • No limit to the points you can earn and your points won’t expire
  • Redeem for Travel, Merchandise, Gift Cards and more

Other Fees Late Payment Fee: $15/$29/$39 depending on account balance.

Over-Limit Fee based on amount of credit limit when fee is applied.

  • $0 – $499.99 = $19 fee
  • $500 – $999.99 = $29 fee
  • $1,000 or more = $39 fee.

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • Auto rental insurance
  • 24-hour roadside assistance
  • Extended warranty program

Bottom Line Earn points for everyday purchases


ATT Universal Business

Regular APR: 10.24%
Introductory APR: 0% (6 months)
Annual Fee: $0
Card Type: Business Visa
Bank: Citibank
Credit Needed: Excellent

Work smarter. Save time. Find fresh ways to improve how business gets done with a great card.

  • Earn up to 100,000 points in a calendar year
  • Redeem your points for: air travel, statement credit, gift cards, merchandise and more
  • No annual fee

More Details
Intro Offer 0% intro APR for 6 months on purchases
Interest Rate 0% for 6 months

10.24% on purchases
Balance Transfer Regular APR

Balance transfer fee: 3% of amount of balance transfer ($5 minimum).
Cash Advance 19.99%

Cash advance fee: 3% for each cash advance ($5 minimum).
Rewards Details

  • Earn 5 ThankYou Points® for every dollar you spent on eligible AT&T products and services
  • Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services
  • Earn 1 ThankYou point for every dollar spent on other purchases
  • Additional cards for employees with credit limits you set

Online Account Management Yes
In Short Reward yourself and your business with this card


Access Visa

No Credit? Bad Credit? Access could be for you. Find out if you’re approved in seconds.

  • Instant Online Decision
  • Reports to all major credit bureaus
  • Outstanding customer service

Intro Offer Instant Online Decision
Interest Rate 19.92% on regular purchases
Annual Fee $48
Cash Advance 19.92%

Cash advance fee: $5
Rewards Details

  • Outstanding customer service
  • Free 24 hour online account access
  • Reports to all major credit bureaus

Other Fees Late Payment Fee: $29.00

Additional Benefits

  • Credit limit increase of $25 every 3-6 months upon your request and approval

Online Account Management Yes
Bottom Line No Credit? Access May Be For You


Total Visa

Regular APR: 19.92%
Introductory APR:
Annual Fee: $48
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

This is the Visa® Card for people with “less than perfect” credit.

  • Instant online decision
  • Monthly reporting to all major credit bureaus
  • 24-Hour online account Access

Introductory Offer: Instant Online Decision
Interest Rate: 19.92% on regular purchases
Annual Fee: $48
Cash Advance: 19.92%
Cash advance fee: $5

Rewards Details

  • Credit limit increase of $25 every 3-6 months upon your request and approval

Grace Period At least 25 days when you pay your balance in full each month
Other Fees Late Payment Fee: $29.00
Additional Benefits

  • Outstanding customer service

Online Account Management Yes
Consumer Protection

  • Fraud protection

In Short The Total Visa® Card for people with “less than perfect” credit


IberiaBank Visa Gold

Regular APR: 8.00%
Introductory APR: 0% APR (6 Months)
Annual Fee: 0$
Card Strength: Balance Transfer
Credit Needed: Excellent

A great card for people with excellent credit. Limitless cash back and no expiration dates.

Intro Offer 1% in cash back credit on all qualifying purchases
Interest Rate N/A

  • No annual fee
  • 1% in cash back credit on all qualifying purchases
  • No balance transfer fees

As low as 8.00% on purchases
Annual Fee None
Balance Transfer 0% APR for 6 months, regular APR thereafter
Cash Advance As low as 12.00%
Rewards Details

  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Low APR for excellent credit
  • No Annual Fee
  • Online access to credit card account information

Grace Period At least 25 days when you pay your balance in full each month
Online Account Management Yes
Consumer Protection Travel accident coverage up to $500,000
In Short: A card that makes earning cash back easier


MTV U Visa

Earn 5 points per dollar spent on frequent purchases and enter for a chance to win a trip to the MTV Music Video Awards!

  • 0% APR for 6 months on purchases & balance transfers
  • Up to 2,000 ThankYou Points yearly for good grades
  • 25 points per month when you pay on time and don’t go over your credit limit

Intro Offer 0% for up to 6 months on purchases & balance transfers
Interest Rate 0% for up to 6 months

17.24% on purchases
Balance Transfer 0% for 6 months, standard APR thereafter

Fee: 3% of amount of balance transfer ($5 minimum)
Cash Advance P+16.99%, but never lower than 21.99%

Cash advance fee: 3% for each cash advance ($5 minimum).
Rewards Details

  • 5 ThankYou Points per $1 spent at restaurants, bookstores, record stores, movie theaters and video rental stores
  • 1 ThankYou Point for every $1 spent elsewhere
  • Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA
  • 25 ThankYou Points for paying on time
  • Redeem ThankYou Points for network rewards like gift cards and travel rewards
  • Exclusive mtvU rewards include VIP passes to mtvU Spring Break and tickets to MTV Video Music Awards

Additional Benefits

  • Travel and emergency services
  • No minimum income or co-signer required

Online Account Management Yes
Consumer Protection

  • Citi Identity Theft Solutions

Bottom Line A great student credit card with points and MTV discounts
Other Info Card issued and administered by FIA Card Services, N.A.


Baby Phat Visa Rush Card

Regular APR: NA
Introductory APR: NA
Annual Fee: NA
Card Type: Visa
Bank: M&T Bank
Credit Needed: Fair

This card says that you are just as savvy about money as you are about fashion. Get the flexibility of plastic without overdraft fees, interest charges & debt.

  • Free money loading with direct deposit or government benefits
  • Access your money anytime & anywhere with the power of a Visa debit card
  • Much safer than cash and more fashionable in Baby Phat pink

More Details
Intro Offer Get the convenience of a credit card, without the debt.
Interest Rate N/A

N/A on purchases
Annual Fee N/A
Rewards Details

  • 24×7 Customer Service
  • Cash Advances From Over 855,000 ATMs worldwide
  • Use online, over the phone anywhere Visa debit cards are accepted
  • Helps control debt
  • No monthly, annual, or hidden fees
  • Online Account Management

In Short – Free direct deposit and easy debt management


Capital One Platinum

Earn 25% more than regular mileage cards. Get a competitive APR, flexible rewards, and great benefits for your excellent credit.

  • 1.25 miles for every dollar spent on purchases
  • No limit on the miles you can earn and miles don’t expire
  • No annual fee

Intro Offer Fee-free card with more mile rewards than average
Interest Rate 0% APR until May 2010 on purchases

13.90% variable on purchases
Balance Transfer Regular APR

No balance transfer fees
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • * 1.25 miles for every dollar spent on purchases
  • * No limit on the miles you can earn and miles don’t expire
  • * No blackout dates and no seat restrictions
  • * Use miles for Travel, Merchandise, Gift Cards and more
  • * Book travel with any airline, hotel, cruise line, or rental car company

Grace Period 25 days from the date of the periodic statement on new purchases (provided you have paid your previous balance in full by the due date)
Other Fees Late Payment Fee based on amount of account balance when fee is applied.

  • $0 – $99.99 = $15 fee
  • $100 – $249.99 = $29 fee
  • $250 or more = $39 fee
  • Over-Limit Fee: $0

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • $0 Fraud Liability if your card is lost or stolen
  • Travel Accident Insurance
  • 24-Hour Travel and Emergency Assistance
  • Emergency card replacement or cash advance

In Short 1.25 miles for every dollar you spend on purchases


New Millennium Bank Visa Platinum

Regular APR: 19.50%
Introductory APR: NA
Annual Fee: $59.00
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Introductory Offer: Get a credit card with no credit check
Interest Rate 19.50% on regular purchases
Annual Fee $59
Cash Advance

  • APR: 19.50%
  • Cash Advance Fee :2% of advance (min. $1.00)

Rewards Details Terms and conditions apply:

  • Reports to ALL 3 Bureaus
  • No Credit Check
  • Be approved regardless of credit history
  • Special high introductory savings rate

Additional Benefits Bonus $3,000 credit line with My Computer Club
In Short Rebuild credit with secured Visa and get platinum benefits


Visa Infinite Black Card (RBC Royal Bank)

Last year Visa launched the RBC Royal Bank in Canada in 2008 by Invitation only. This card was launched prior to the other ultra exclusive Canadian Black Card, American Express’ Centurion Card launched in December 2008.



The RBC Royal Bank Visa Infinite Black Card is:

*Invitation only *1 Million CAD in Liquid Assets, Net Worth of 3 Million CAD or >.

  • 250,000 or more Annual Income.
  • Annual Fees $399 per year for Private Banking clients, $599 for non-Private Banking clients.
  • RBC Rewards redemption rate of 2% instead of 1% for all travel rewards, all flight classes (no blackout periods or seat restrictions)
  • Visa Infinite Concierge Service (Virtuoso)
  • Complimentary Priority Pass membership (the $99 annual fee version)
  • Complimentary TabletPlus membership (usual fee $195)
  • Complimentary access to Zagat® restaurant ratings and reviews
  • Dedicated customer support number for Visa Infinite clients only.
  • Extensive travel insurance coverage and emergency assistance
  • Minimum $20,000 credit limit”