Vision Premier® Visa® Prepaid Card

From the CompareCards.com Editorial Team:

The Vision Premier Visa is a card that is accepted anywhere in the world that Visa plastic is accepted, so it works much like a typical Visa ATM card. You have to deposit money to back up any future purchases transactions, but you don’t have to worry about a credit check. Even if you have bad credit you can apply and get your card almost immediately.

This prepaid card tries to simplify the prepaid card process, offering features like free text and email alerts, free transactions, and free customer service. Those often cost money with other prepaid cards, but with this particular card if you use direct deposit you basically just pay an activation fee of $9.95 and a monthly fee of $3.95.

There are balance inquiry and withdrawal fees of $2.25, too, and you can be charged $2.95 for transactions where you card is declined for lack of funds. If your card is lost or stolen you also have to pay to have it replaced, but since it is a prepaid card you will never have interest payments or late payment penalties to pay. You can use the card to help you rebuild your credit, and it can also make it easier to pay bills online for simpler monthly money management.

The Bottom-Line
The Vision Premier Visa Prepaid is a good card within the prepaid category, primarily thanks to the fact that it does not charge as many fees as lots of other prepaid cards. The fees are also less than what you’d have to pay with other cards and you can get instant acceptance and then enjoy plastic that is basically accepted all over the world.

The Good
The fees are simple, easy to understand, reasonably priced, and few. You can also get the convenience of carrying Visa plastic despite having no credit history or bad credit.

The Not So Good
Since this is strictly a prepaid card you have to deposit money prior to drawing against your balance, and there are some fees like a monthly maintenance charge.