Pre paid debit cards have been heavily criticized for gouging customers with hefty fees and penalties. A customer that uses a pre paid debit card can usually be charged from everything from withdrawing money, inactivity fees, depositing checks and customer service. It’s definitely far from a free checking account that many have become accustomed to.

Some of the top issuers of pre paid debit cards are ACE, Vision and My Green Dot. All come with fees and we warn you prior to opening an account with any of them. Make sure you know why you’re opening one and all of the fees and penalties that come with them.

Discover offers a great incentive to open a new credit card with them. Their cash back card offers a 5% cash back bonus on everyday expenses. Though there are restrictions on what purchases you can get 5% on but you’re not going to get a better cash back rate else where. Like the credit card that Schwab offers which gives you 2% on every purchases, this card from Discover gives you 1% of most purchases with the added bonus of 5% on some of the most popular categories like gas, groceries and restaurants. You’re likely not able to put your home loan payment on the card but you can earn 5% to 20% at over 100 online retailers.

This card also offers an introductory card rate of 0% APR on card purchases for six months in addition to a 0% APR on balance transfers for twelve months. More than a quick fix for someone that needs to move some cash balances around.

You will have to manage your card online, similar to an online bank. You do receive the top service and security their is to offer on the web. In addition, Discover offers a Spend Analyzer and Paydown Planner to help you better manage your Discover credit card

The Disney Rewards Visa also comes with tons of other perks like discounts at their theme parks and 0% APR Vacation financing. Now that’s innovative and fresh.  Well, what are you waiting for? If you’re a big Disney fan and are looking for a credit card that rewards you with Disney perks, here we go.

The Slate card from Chase Bank offers an average percentage rate. The card starts off with a zero introductory APR and no annual fee. They also don’t charge you interest if you pay off your balance in full every month. However, the card falls short after the one year offer. The card moves to a APR over 13% and even more based on your credit.

The card would serve someone well if they need to transfer funds in and out quickly or might need it for emergency costs. You won’t feel that bad if you’re only getting hit with a 13% interest rate. I’ve seen much worse.

Like most credit cards in this field, you’ll have to have above average credit to get approved.

Now this credit card is similar but not better than the one offered by Charles Schwab Bank. The cash back is rewarded in form of points that then is converted to dollars that are transferred into your account. Boy, do these companies like making things complicated.

The card comes with 24 client service, travel and emergency assistance and fraud protection. There’s also no annual fee. You can apply for the card directly with Fidelity.

Considering the current state of interest rates on savings accounts, 2% is a pretty solid return. The Schwab Invest First Visa doesn’t have any limits on the cash back you can earn. It does offer bill pay but you can’t earn 2% on any of those payments. You’ll have to find another way to earn that percentage on your mortgage payment.

The interest rate sits at 9.99% plus prime. However, if you’re planning on grabbing this card for the 2% cash back, you should not be carrying a balance on this credit card.

There is no monthly fee. No catches and the card is backed by one of the most financially stable firms in the nation, Charles Schwab.