This prepaid Visa card offers 100% approval with no credit check and no activation fee. Consumers get the power of a bank account in a Visa prepaid card, with the ability to write personal checks online. Cardholders get to enjoy the power of a bank account in a prepaid credit card. For every month where $500 is added, the monthly fee drops from $2.99 to $0.99. The fees are reduced so consumers can save up to $220 in the first year compared to other cards. Free Direct Deposit provides easy and fast access to wages and payments. Writing personal checks online helps to keep all bills on track. A built-in rewards program allows cardholders to earn 1,500 cash back reward points after the first Direct Deposit load. Couples who are married or very serious may wish to look into the optional companion card, too, which works much like a joint checking account.