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Security Service Power Travel Rewards World Mastercard®

Card details

Earn 3X points for every $1 spent on gas, travel, and dining

Earn 1 point for every $1 spent on all other purchases

0% APR for the first 6 months on purchases, balance transfers, and cash advances

$0 Annual Fee

Rates, fees & offers

Rewards rate, bonus offer.

Purchase: 0% for 6 mos

Transfer: 0% for 6 mos

Ongoing APR

APR: 11.00% - 12.00% Variable APR

Cash Advance APR: 12.00%, Variable

Balance transfer fee

Foreign transaction fee, recommended credit score.

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Compare to other cards

Not sure which card is best for you.

: Rewards Your Way

From cash back to travel points and more, see what your rewards can do for you.

Earn 2% Cash Back on purchases.

1% when you buy and 1% as you pay. No categories, caps or annual fees.

Easy Ways to Use and Manage Your Card

Tap & go with contactless.

Pay with a tap at any contactless card reader.

Pay without Taking Your Card Out

Add your card to your digital wallet.

Manage Your Card From Anywhere

View balances and statements on the mobile app.

Manage your account online

Monitor transactions, make payments and more, online with myTrustmark®.

Get Rewarded for Getting Away

Maximize your spending with a power travel rewards credit card..

Earn 3X points on every $1 spent on gas, travel & dining plus one point for every $1 spent on all other purchases. 2

Cash Back on Every Purchase, Every Day

Make every purchase count with a power cash back credit card..

Earn unlimited 1.5% cash back on every purchase 1 plus get $100 cash back when you spend $500 within 90 days of account opening.*

Relax With the Lowest Rate

Want a lower interest rate the power credit card is here for you..

Pay less interest on your balance with a low rate and enjoy your card with no annual fees.

Redeem points for popular products

20,000 Points

Earn 3X points on every $1 spent on gas, travel & dining plus one point for every $1 spent on all other purchases. 2

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Ssfcu travel rewards.

Traveling is one of life’s great pleasures, but it can also be expensive. That’s where travel rewards come in. If you’re a member of Security Service Federal Credit Union (SSFCU), you may be able to take advantage of their travel rewards program. In this guide, we’ll cover everything you need to know about SSFCU travel rewards, including how to earn and redeem rewards, program features, and more.

What are SSFCU Travel Rewards?

SSFCU Travel Rewards is a program that allows members to earn points for their everyday purchases. These points can then be redeemed for travel-related expenses, such as flights, hotels, car rentals, and more. Essentially, it’s a way for members to earn free travel by using their SSFCU credit card for their purchases.

How Do You Earn SSFCU Travel Rewards?

Earning SSFCU Travel Rewards is easy. All you have to do is use your SSFCU credit card for your everyday purchases. You’ll earn points for every dollar you spend, with bonus points available for certain types of purchases (like gas and groceries). The exact number of points you earn will depend on the specific card you have, so be sure to check the program details for your card.

How Do You Redeem SSFCU Travel Rewards?

Redeeming SSFCU Travel Rewards is just as easy as earning them. Once you’ve earned enough points, you can log into your SSFCU account and use your points to book travel-related expenses. You can redeem your points for flights, hotels, car rentals, and more.

What Are the Benefits of SSFCU Travel Rewards?

SSFCU Travel Rewards offers a variety of benefits to members. Some of the top benefits include:

• Earning points for everyday purchases, which can be redeemed for travel-related expenses
• Bonus points for certain types of purchases
• No blackout dates or restrictions on travel
• 24/7 customer support for travel-related issues
• No foreign transaction fees on international purchases

Are There Any Drawbacks to SSFCU Travel Rewards?

While SSFCU Travel Rewards offers many benefits, there are also some potential drawbacks to consider. Some of the top concerns include:

• Possible annual fees for certain credit cards
• High interest rates on credit card balances
• Points expire after a set period of time
• Limited travel options compared to other travel rewards programs
• No cash-back rewards options

Is SSFCU Travel Rewards Right for You?

Whether or not SSFCU Travel Rewards is right for you will depend on your personal preferences and financial situation. If you’re someone who frequently travels and uses their credit card for everyday purchases, this program could be a great way to earn free travel. However, if you’re someone who carries a balance on their credit card or prefers cash-back rewards, you may want to consider other options.

Overall, SSFCU Travel Rewards is a solid program for members who want to earn free travel. With a variety of benefits and easy-to-use redemption options, it’s worth considering for anyone who fits the program’s criteria. Just be sure to weigh the potential drawbacks before applying for a travel rewards credit card.

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The Best Prepaid and Debit Cards of 2024

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If you need to limit spending or use an alternative to bank accounts, the best prepaid cards available can help you with your goals. You can load and reload prepaid cards with funds and then use them like a debit card, avoiding checking accounts and some bank-imposed fees in the process.

At Bankrate, our staff has reviewed and rated hundreds of today's top credit cards, with independence and transparency, so you'll have an easier time making an informed decision. When reviewing the best prepaid cards of 2024, we considered accessibility, affordability and extra benefits, among other factors, to help you decide which prepaid card is best for you.

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Best prepaid and debit cards of 2024:

• Netspend® Visa® Prepaid Card
• Self Lender — Credit Builder Account

What is a prepaid card?

Tips on choosing the best prepaid card for you, expert advice on prepaid cards, how we assess the best prepaid cards.

• Frequently asked questions

Best for no activation fee

Netspend® Visa® Prepaid Card

Bankrate score

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Regular APR

Up-to $9.95 monthly*

What we love : If you want the convenience of a debit card without opening a traditional bank account, the Netspend Visa Prepaid Card may be worth a look. You can have your paycheck, tax refund or government benefits deposited directly to your Netspend Visa and can use the card anywhere Visa cards are accepted. Alternatives : If you’re a fan of this card’s savings account option, Brink’s Armored™ Account offers a similar benefit and the ability to earn some ongoing cash back rewards.

• There are no application fees and no minimum balance required for this card, so you can start an account with relatively little hassle.
• When you start your card account, you’ll get access to a high-yield savings account that offers 5 percent APY on the first $1,000 you save.
• The card's monthly fee is $9.95 (it lowers to $5 if you receive at least $500 in payroll checks in any one month).
• While it may not have an application fee, this card is associated with several other fees — an ATM withdrawal fee, an inactivity fee and a cash reload fee, just to name a few.
• With Direct Deposit, you can get paid faster than a paper check.
• No late fees or interest charges because this is not a credit card.
• Use the Netspend Mobile App to manage your Card Account on the go and enroll to get text messages or email alerts (Message & data rates may apply).
• Card use is subject to activation and ID verification. Terms and Costs apply.
• Card issued by Pathward N.A., Member FDIC. Card may be used everywhere Visa debit card is accepted.
• See additional NetSpend® Prepaid Visa® details.

Best for no credit check

Variable Monthly Fee

What we love : This prepaid card could be a good fit for someone who wants a convenient way to spend without having to worry about a credit check. The Netspend Visa Prepaid card also comes with select cash back and personalized offers that can help you save on purchases. Alternatives: Since this prepaid card does not offer overdraft protection, you might consider the Walmart MoneyCenter debit card , which has an overdraft feature (fees may apply). 

• There's no credit check required when opening the card, so your credit score won't be impacted.
• The card does offer some cash back rewards which are personalized based on your spending.
• This card doesn't report to any of the three credit bureaus, so it won't help improve your credit score.
• Like most prepaid cards, this card offers no overdraft protection.

Best for building credit

Self - Credit Builder Account with Secured Visa® Credit Card

28.74% (Variable)

What we love : The Self - Credit Builder Secured Visa® serves both as a traditional credit card and a savings account — payments made into this account are reported to the three major credit bureaus, helping you build savings and establish a positive credit history at the same time. The credit limit on this card is also equal to the amount you have saved in your Credit Builder Account. Learn more : Is the Self – Credit Builder Account with Secured Visa Credit Card worth it? Alternative : If you’re seeking access to a physical card immediately, the Netspend® Visa® Prepaid Card is a solid choice that offers potential rewards, albeit one that carries a series of fees.

• This card reports to all three credit bureaus, helping you to achieve any credit-building goals.
• Since no hard credit inquiry is required for application, your credit score won't be impacted.
• If you're looking for a card to use immediately, this isn’t a fit as it takes three months of on-time loan payments totaling at least $100 before you’re eligible for the secured card.
• You’ll pay an annual fee for this card, which is unusual for a secured card.
• Start with a Credit Builder Account* that reports to all 3 credit bureaus. Each on-time monthly payment builds credit history and savings. Choose the plan that works for you.
• Make at least 3 monthly payments on time, have $100 or more in savings progress in your Credit Builder Account, and be in good standing.** Then, you’ll be eligible for the Self Visa® Credit Card, without a hard credit check.
• Your savings progress from your Credit Builder Account acts as your security deposit for your secured Credit Card.
• Get the savings plan that helps build credit today.
• No credit score is needed to get started.
• Your money is secured and protected in a bank account.
• *Credit Builder Account Sample Product: $48 monthly payment, 24 month term with a $9 admin fee at a 15.72% Annual Percentage Rate. Please refer to https://www.self.inc/pricing for the most recent pricing options.
• **Secured Credit Card Disclaimers, Rates and Fees: https://www.self.inc/card-agreement
• Self Visa® Credit Card issued by Lead Bank or SouthState Bank, N.A., each Member FDIC. See self.inc for details.
• Active Credit Builder Account in good standing, 3 on time payments, $100 or more in saving progress. Requirements subject to change.

Compare Bankrate's top prepaid cards

On This Page

Prepaid debit cards are similar to debit cards, except prepaid cards aren’t connected to banking or checking accounts. Instead, funds are loaded onto the card — either online, in person at specific locations, by depositing checks or reloading with cash — then reloaded when those funds run out.

Think of them as a cross between gift cards and debit cards — they have a card number, CVV code and expiration date like debit and credit cards. They also don't usually impact your credit score, as prepaid card issuers typically don’t check your credit when you apply, and they won’t check your banking history (though this isn’t always the case).

However, you should keep in mind that most prepaid cards have fees associated with them, such as:

• Reload fees
• Monthly fees
• ATM withdrawal fees
• Inactivity fees
• Transaction fees

Pros and cons of prepaid cards

While one of the benefits of a prepaid card is its accessibility, make sure to read the fine print before you apply. Some cards have activation fees and monthly maintenance charges, which can eat into your spending.

No credit check needed: People with low or no credit can practice responsible credit habits without taking a hit to their credit scores.

Budgeting tool: Because you’re limited to spending your deposit amount, prepaid cards make it easier to stay within your budget and cut back on monthly spending.

More fees than debit cards: Debit cards typically charge overdraft, monthly and sometimes ATM fees. Unfortunately, prepaid cards charge those fees on top of transaction fees, reload fees, inactivity fees and more.

Can’t build credit: Prepaid card issuers don’t report to credit bureaus, meaning users won’t improve their credit scores over time with this card type. Secured credit cards are a better option for people with no credit or low credit to increase their scores.

Prepaid cards are an excellent option for anyone with difficulty accessing traditional banking services, but features vary among cards. Here are some things you should keep in mind while shopping for a prepaid card.

• Take a look at the fees. One of the reasons many people have a difficult time accessing traditional banking services is because of the costs. If your prepaid card charges a litany of fees, such as ATM fees, monthly service fees or reload fees, you should consider if the card is worth it.
• Know your loading options . How difficult or easy will it be to reload your prepaid card? Are fees attached? Some prepaid cards will allow you to reload your card with ACH transfers, but you’ll often reload manually at an ATM. It’s important that you have access to several ATMs in your area.
• Make sure the card offers mobile access. Mobile banking is becoming increasingly popular, and for good reason. It’s convenient, safe and can give you peace of mind. The best prepaid cards will offer you the option to use the cards online and have access to a mobile app.
• Consider if you’re banked or underbanked .   While prepaid cards function similarly, there are significant  differences between prepaid cards and debit cards , specifically where funds are stored, which can be a significant factor for those who are unbanked or underbanked. Prepaid cards provide several benefits to people who don’t have access to traditional bank accounts (unbanked people) or whose access to banking services is inconvenient or too expensive ( underbanked people). If you’ve struggled to gain access to traditional banking services because of upfront costs (such as deposit minimums or initiation fees), a prepaid card might be the answer.

You can use Bankrate's Compare Credit Cards tool to help shop for the best prepaid card with as few fees as possible.

Rates of unbanked people are particularly high for those in low-income households. While the U.S. average for being unbanked is around 4.5 percent , those who have an income of under $25,000 and are underbanked are 17 percent . The main reasons cited are lack of proper funds and lack of trust . Prepaid cards can be a great alternative for people facing these hurdles.

To make the most of your prepaid card and ensure a seamless financial experience, follow these expert tips.

How to choose a prepaid card

Decide on a payment network.

Payment networks like PayPal, Visa, Mastercard and Netspend all have prepaid debit cards available. Some networks are accepted at more merchants than others so make sure to pick one that’s accepted at stores you regularly shop at.

Check fees and limitations

Prepaid cards come with a multitude of fees. If you don’t factor these into your spending, you might have less than you originally thought.

Review spending habits

Prepaid cards only have what you load onto them, so make sure to load a proper amount to avoid the reload fee that could possibly be attached to the card.

Pick up & load the card

You can receive your prepaid card from many places, both in-person and online, and may even be able to get it the same day. Once you activate and load your card, you should be able to start using it immediately.

How to maximize a prepaid card

When it comes to managing your spending and avoiding debt, a prepaid card can be valuable. With the right features and responsible usage, you can maximize the benefits of a prepaid card while staying in control of your finances.

Prepaid debit cards let you use plastic when shopping online or in stores without a traditional checking account . It’s great for scenarios like a parent or guardian giving a teenager a card to make purchases with a monthly budget or if you need to cut back on spending and want to set hard limits. Understand what you’re using a prepaid card for and how it can ultimately help you reach your financial goals.

Research and compare cards

Each prepaid card may come with its own set of features, fees and limitations. You can find a card that aligns with your specific needs by conducting thorough research. Look for cards with low or no activation fees, reasonable transaction fees and useful benefits tailored to your requirements.

Set a budget

One of the key advantages of using a prepaid card is that it allows you to set a budget and stick to it. By loading only the amount you plan to spend onto the card, you can avoid overspending and accumulating debt, so it's essential to do so with a strategic approach. 

Strategize your reloads

Consider your spending patterns and avoid reloading large sums unnecessarily, as it might tie up your funds or expose you to additional fees. Plan your reloads effectively. Strike a balance between having enough funds and not maintaining an excessive balance on the card.

Be aware of drawbacks

Prepaid cards may not offer the same consumer protections as credit or debit cards in case of fraud or unauthorized transactions. It's crucial to review the terms and conditions the card issuer provides regarding liability protection and dispute resolution processes. As a precaution, make sure to set some money aside for an emergency or rainy day fund .

Have more questions for our credit cards editors? Feel free to send us an  email , find us on  Facebook , or Tweet us  @Bankrate .

When evaluating the best prepaid cards, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from low fees to wide acceptance to earning rewards. 

We analyzed the most popular prepaid card options and scored each card based on its fee structure, rewards rate and earnings, perks and more to determine whether it belonged in this month’s roundup. 

Here are some of the key factors that we considered: 

Reasonable fees

To start, all cards on this list charge either a variable monthly fee, fixed monthly fee or a one-time account fee. As many prepaid cards have monthly fees, we identified those with limited additional costs and hidden fees.

More important to these cards’ scores and their inclusion in our list is how their fees influence their overall value. We consider card fees in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall value. 

Cards with high fees will always be at a slight disadvantage in our scoring system since fees inherently cut into any rewards value the card may offer. However, if a card offers terrific value in other ways, such as perks or convenience it can earn a spot in our list even if it carries high fees.

Flexibility and perks

Along with cost and rewards value, we consider other factors that could give cards great long-term usefulness. 

We considered how widely a card is accepted, and we sought options that are likely to be accepted anywhere you spend. Our team considered the size of each card’s network, the trustworthiness of each financial institution and the accessibility of reload options.

Due to the nature of prepaid and debit cards, additional perks such credit-building tools can be difficult to come by. If a card offers a path to improving your credit score, we’ve factored that into our scoring.

For rewards-earning cards, we consider any restrictions they impose on earning and redeeming rewards when deciding on a card’s inclusion in our list. 

These restrictions could include only allowing users to earn a high rewards rate on a small amount of spending or requiring users to meet a certain earning threshold before they can redeem rewards. We also examine whether points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to airline and hotel partners. 

We also evaluate each card’s perks based on their value and uniqueness. For prepaid cards, flexibility and convenience can play a significant role in a card’s overall usefulness. 

Rewards value

Since many cardholders looking for a prepaid card are eager to earn rewards, a key criteria for a card’s inclusion in our list is its rewards value. Rewards value factors in a card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we calculate its average rewards rate based on how much it earns in different bonus categories, as well as how closely those categories match the average person’s spending habits. In other words: Does the card earn rewards at a high rate in the most popular spending categories?

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2021 was $66,928 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $22,500.  

This includes the following spending by category:

• Groceries: $5,200
• Dining out: $3,000
• Entertainment: $2,500
• Gas: $2,100
• Apparel and services: $1,700

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 23 percent weighting based on how much of the average person’s budget is spent on groceries. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other cards in its primary category.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Frequently asked questions about prepaid cards

How do i get a prepaid card.

You can get a prepaid card in a number of ways, including: 

• Online : You can go online and purchase a prepaid card using your credit or debit card information, which will be charged at the time of purchase.
• In-store : You can go to any store and purchase a prepaid card with cash.
• At a bank branch : You can go to a bank branch, provide your personal information and purchase a prepaid card with cash or by using your checking account number and routing number (which is typically on checks).

How do you reload a prepaid card?

You can reload a prepaid card much like you would receive money in a checking account linked to a debit card. Here are some ways you could reload a prepaid debit card, depending on the issuer:

• In person at the financial institution that issued the card
• In person at participating retail locations
• Online transfer from a checking or savings account
• Mobile deposit, if available
• Direct deposit, if available

What are alternatives to prepaid cards?

If you'd rather not use a prepaid card, there are other options that may suit your needs better:

• Fintech banking apps: These apps, like SoFi , work like any other bank app, but they don't require a traditional bank account. Some of these apps are free, but some charge monthly fees for certain features.
• Alternative spending accounts: An alternative spending account, like Chime , is typically a checking account without overdraft fees, monthly fees or service fees. They're designed for people who want a simple place to keep their money but don't want all of the features of a traditional checking account.
• Second-chance checking accounts: These second-chance accounts  allow people who have been denied access to traditional checking accounts due to low credit scores or unpaid debts access to basic banking services. 
• Secured credit cards: These allow people who have bad or no credit histories to make a deposit for access to a limited credit line. If you can afford to make a security deposit upfront, you can use a secured credit card for minor expenses and build your credit score at the same time.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Netspend Visa Prepaid Card fees . Netspend. Accessed on May 10, 2024.

Report on the Economic Well-Being of U.S. Households in 2022 - May 2023 . Board of Governors of the Federal Reserve System. Accessed on May 10, 2024.

2021 FDIC National Survey of Unbanked and Underbanked Households . FDIC. Accessed on May 10, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

Rapid Rewards

How to use Rapid Rewards ® points

Rapid Rewards Members and Rapid Rewards Credit Cardmembers now have even more options when it comes to redeeming their points. Redeem your Rapid Rewards points towards flights, merchandise, hotels, gift cards, and more.

How to book flights with Rapid Rewards points:

The number of points needed for a reward flight depends on the fare. When fares go on sale, so do the points needed for redeeming a reward flight. 1

To book a flight with points:

Log in to your Rapid Rewards account on the Southwest.com® homepage. If you don’t have a Rapid Rewards account, create one here .

Enter your flight information and view fares in points.

Select your flight and review the price and schedule.

You’re ready to check out! Input your information and then purchase the flight .

Booking flights with Rapid Rewards points is simple enough, right? Time to pack your bags!

Visit our Help Center for more information about how to redeem Rapid Rewards points.

Planning your next trip? Visit over 100 destinations in the U.S., Mexico, and the Caribbean.

How to redeem more rewards with points

You can use your points for more than just flights. With More Rewards, Rapid Rewards Members can use their points for merchandise, hotel stays, gift cards, and more. Plus, Rapid Rewards Credit Cardmembers can redeem their points for exclusive Cardmember experiences.

With a variety of popular brands like Kohl’s, Panera, Lowe's, and Best Buy, you'll always find the right gift card to treat yourself or a friend!

Merchandise

Use Rapid Rewards points to shop for all your merchandise needs, from golf balls to electronics to home products. It almost sounds too good to be true, right?

Choose from over 70,000 hotels worldwide, ranging from your favorite brands to that little boutique hotel along the coast you've always wanted to visit.

Experiences

Gain access to exciting experiences- including cruises, spa packages, rafting, hiking, biking, kayaking, rock climbing, horseback riding, jeep tours, and more.

Rapid Rewards Access Events

Exclusively available for Cardmembers, Rapid Rewards Access Events allow Cardmembers to redeem their points for curated events such as wine tastings, destination getaways, and more.

Pay Yourself Back ®

If you’re a Rapid Rewards Credit Cardmember, you can redeem your Rapid Rewards points for a statement credit. Use points to reimburse yourself for your annual Rapid Rewards Credit Card 4 fee or other eligible transactions.

Rapid Rewards Credit Card 4,5

Did you know that using a Rapid Rewards Credit Card 4 for purchases can help you earn points faster?

Important information