Free Prepaid Credit Cards

Compare free prepaid credit card deals

 

Free prepaid credit cards offer a new approach to handling your money – they can offer you the freedom and secutiry of paying using a card, combined with no debt, no interest and no credit checks. 

 

You can load a free prepaid card up with money, which you can then use for all the things you would use a debit or credit card for - such as online shopping, paying bills, paying for petrol and groceries, or withdrawing money from an ATM. Features of a free prepaid credit card include:

 

  • No credit checks
  • You are only spending money that you already have, which means no overdraft charges or getting into debt  
  • Get your wages paid into you card account
  • Set up Direct Debits and standing orders

 

Not all prepaid credit cards are free - some charge an application fee, a monthly service charge, ATM withdrawal fees, or other charges. More and more companies are offering this debt-free form of card, so be sure to compare the market and make sure you get the best deal:

Top Prepaid Credit Card Deals
ProviderInitial FeeMonthly FeeWithdrawal FeeApply
£4.50 - £5.00None£0.75More Info >
ClearCash Pay As You Go Prepaid MasterCard
  • No bank account needed, and no credit checks
  • Available as Pay As You Go or Pay Monthly
  • Access to cashback site, budgeting tools, numerous loading options
  • If you have a poor credit rating Creditbuilder™ could help you
  • Cashback rewards available
  • Main cardholder must be 18 or older (Additional cardholders must be 13 or older)
  • Minimum amount of initial load up on card £10
  • Maximum load on card £5,000
  • Maximum single transaction spend £800
£4.95£9.95£2 (UK)More Info >
Cashplus Prepaid MasterCard (Activeplus)
  • No ATM, monthly or UK purchase fees for the first 3 months
  • The first UK prepaid card that could help you establish or build your credit rating at no extra cost
  • No foreign exchange fees
  • Earn up to 27% cashback on most things you buy online
  • Free payments and transfers
  • Main cardholder must be 18 or older (Additional cardholders must be 13 or older)
  • 4 maximum additional cards
  • Minimum amount of initial load up on card £10
  • Maximum load on card £5,000
  • Maximum single transaction spend £800
£4.50 - £5.00£9.99£0.50More Info >
ClearCash Pay Monthly Prepaid MasterCard
  • Designed as a great alternative to a bank account - no credit checks required 
  • One monthly fee, no transaction fees.  
  • Budgeting tools, SMS balance facility, discounts on shopping, and more  
  • Get discounts on Virgin products and services (terms and conditions apply)
  • Main cardholder must be 18 or older (additional cardholders must be 13 or older)
  • Minimum initial card top up £10
  • Maximum load on card £5,000
  • Maximum single transaction spend £800
   More Info >
Cardonebanking Current Account

  • No credit checks**
  • No account opening fee 
  • UK call centre
  • No bounced payment fees
  • Cardonebanking Prepaid Debit MasterCard
  • Free text alerts each time money is paid in
  • Free text alerts if your bills cannot be paid
  • Manage your account online, by text and by phone 24/7
  • Must be 18 or older
  • Maximum card balance £5,000
  • £12.50 monthly fee
  • Additional card charged at £5 per month
  • Other charges apply for ATM withdrawals and overseas card usage (see terms and conditions for details)

Fair Investment Company is independent and provides a selection of some of the leading credit card deals available. Our service does not compare or contrast all of the credit card deals currently available in the market.

 

* See Credit Card Provider Terms & Conditions

Select Top Credit Card Deals
ProviderRepresentative APR (Variable)PurchasesBalance TransferApply
15.9%

0% for 12 months

0% for 12 months

Apply Now >

Nationwide Select Credit Card

Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your representative APR will be 15.9% (variable).

  • 0% on balance transfers for 12 months
  • 0% on purchases for 12 months
  • Unlimited cashback - 0.5% on all sterling purchases
  • Fraud protection guarantee
  • Must be 18 or older and a UK resident
  • Nationwide Current Account holders only
18.9%

0% for 15 months

0% for 15 months

Apply Now >

Santander Everyday Credit Card

Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200.  

  • 0% for 15 months on purchases
  • 0% for 15 months on balance transfers, with no transfer fee
  • No monthly fee
  • Up to 56 days interest free credit on purchases when you pay your balance in full and on time each month, even after the interest free period has ended 
  • Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback  - get cashback offers of up to 15% at a variety of online and high street retailers
  • Online and Mobile Banking so that you can manage your account whenever, wherever 
  • Apple Pay so that you can pay with your device at contactless terminals when you link your card to your iPhone 6 (or later) or Apple Watch
  • Up to 3 additional cards for family members at no extra cost
  • Must be aged 18 or over
17.9%

0% for 12 months

0% for 12 months

Apply Now >

Nationwide Credit Card

Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your representative APR will be 17.9% (variable).

  • 0% balance transfer term of 12 months 
  • 0% on purchases for 12 months
  • Fraud protection guarantee
  • Manage card online
  • Must be 18 or older
  • Lived in the UK for the last 12 months
  • No BT fee, transferring a balance is free in the first 90 days
21.7%

0% for 6 months

0% for 40 months

Apply Now >

Santander All in One Credit Card

Representative Example: Representative 21.7% APR variable. Based on assumed borrowing of £1,200.  

  • 0% for 6 months on purchases
  • 0% for 40 months on balance transfers, with 1% transfer fee
  • 0.5% cashback on all purchases with no limit
  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency (A cash withdrawal fee of 3% (minimum £3) applies to each withdrawal and interest is charged immediately).
  • Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback  - get cashback offers of up to 15% at a variety of online and high street retailers. 
  • Online and Mobile Banking so that you can manage your account whenever, wherever 
  • Apple Pay so that you can pay with your device at contactless terminals when you link your card to your iPhone 6 (or later) or Apple Watch
  • Up to 3 additional cards for family members at no extra cost
  • £3 pm (£36 pa) 
  • Must be aged 18 or over
23.7%

18.9%

18.9%

Apply Now >

NatWest Reward Card

Representative Example: 23.7% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases and balance transfers 18.9% pa (variable)

  • 18.9% pa (variable) for purchases and balance transfers
  • 1% Reward in all Supermarkets (0.5% at their petrol stations)
  • At least 1% at MyRewards retailers and 0.5% everywhere else you shop at home and abroad
  • 1% if you use contactless until 30th June 2016
  • 1%  on payments up to £30 you make using Apple Pay in stores until 30th June 2016
  • Refund of the annual fee if also have a Reward current account
  • Must be 18 or older
  • Must be a UK resident
  • £24 annual fee

18.9%

18.9% pa

N/a

Apply Now >

Santander Zero Credit Card

Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200.  

  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency
  • No cash withdrawal fees at home and abroad (interest is charged immediately on cash withdrawals and some independent ATM providers may charge a withdrawal fee).
  • No monthly fee
  • Up to 56 days interest free credit on purchases when you pay your balance in full and on time each month. 
  • Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback  - get cashback offers of up to 15% at a variety of online and high street retailers
  • Online and Mobile Banking so that you can manage your account whenever, wherever 
  • Apple Pay so that you can pay with your device at contactless terminals when you link your card to your iPhone 6 (or later) or Apple Watch
  • Up to 3 additional cards for family members at no extra cost
  • Must be aged 18 or over
35.9%

35.90%

N/A

Apply Now >

Aqua Classic Credit Card 

Representative 35.9% APR variable. Based on assumed borrowing of £1200.

  • Aqua accept people with CCJs and with a low income
  • No annual fee
  • Flexible payment dates
  • Annual credit limit between £100 - £1200
11.1%

6.90%

6.90%

Apply Now >

NatWest Clear Rate Platinum Card

Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable)

  • One low rate of 6.90% pa (variable) for balance transfers and purchases
  • Manage your account online or with 24/7 telephone banking
  • No balance transfer fees
  • Must be 18 or older
  • Must be a UK resident
  • Balance transfers permitted up to 95% of credit limit only
  • £24 annual fee

11.1%

6.90%

6.90%

Apply Now >
Royal Bank of Scotland Clear Rate Platinum Card
Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable)

  • One low rate of 6.90% pa (variable) for balance transfers and purchases
  • Manage your account online or with 24/7 telephone banking
  • No balance transfer fees
  • Must be 18 or older
  • Must be a UK resident
  • Balance transfers permitted up to 95% of credit limit only
  • £24 annual fee

Fair Investment Company is independent and provides a selection of some of the leading credit card deals available. Our service does not compare or contrast all of the credit card deals currently available in the market.

 

* See Credit Card Provider Terms & Conditions