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YAP™ MasterCard Prepaid Card

Consumer Reviews, Fees, Credit Score, Application & Best Alternatives


Updated: Nov 11, 2020
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The YAP Mastercard Prepaid Card is just like a debit card. When you want to stick to a budget or have money for emergencies, this prepaid card can do all of this for you. You can save more and worry less because there are no overdraft fees. This card allows you to stay in control.

ANNUAL FEE:

N/A

ONGOING APR:

N/A *

INTRO APR:

N/A

548 User Ratings YAP™ MasterCard Prepaid Card
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Application Fee
$0*
Credit Reporting
No*
Minimum Credit Needed
Bad Credit OK*

Key Features


  • Send and Receive Money Securely With Your Mobile Phone
  • FREE MasterCard Prepaid Card & FREE Shipping
  • FREE Instant Virtual Card – Shop Online Today!
  • FREE Direct Deposit
  • FREE Unlimited Purchase/ Signature Transactions
  • FREE Check Your Balance With a Text Message
  • $0 Activation Fee
  • $0 First Monthly Fee – Try it For FREE
  • $0 Monthly Fee When You Load at Least $500 Per Month (Otherwise Only $5!)
  • No Hidden Fees / No Overdraft Fees
  • Fully FDIC Insured
  • No Credit Check/ No Bank Account Required
  • FREE Account Management – Over the phone, online, with iPhone Yapplet, WAP site or text messages.
$ 0 2020-11-24 InStock

Our Take


The YAP Mastercard is a prepaid card that works similar to a debit card, except you can control the amount of money you spend. Unlike general debit cards or credit cards, if you go over your limit, you get slapped with expensive overdraft or over-limit fees. With a prepaid card, you do not ever have to worry about paying those unwanted fees. When you do not have much money in the first place and ...

The YAP Mastercard is a prepaid card that works similar to a debit card, except you can control the amount of money you spend. Unlike general debit cards or credit cards, if you go over your limit, you get slapped with expensive overdraft or over-limit fees. With a prepaid card, you do not ever have to worry about paying those unwanted fees. When you do not have much money in the first place and then you are slapped with a bunch of fees, you are even more in debt than you were before.

This MasterCard is a unique card because you can use your mobile phone to control it. You can have money instantly transferred with your mobile phone. Not many credit cards or debit cards are designed to work through SMS, or rather text messaging. YAP can save you both time and money that other credit and debit cards do not offer. When you want to keep more of the money you earn rather than pay expensive monthly or annual payments or fees, you have the opportunity to choose a prepaid card that can offer you more.

YAP also offers little to no fees for service. YAP offers simple fees that are easy to keep track of because there are not many and they are not expensive. There are no hidden fees. Many cardholders discover too late that their cards come with hidden fees. It can come as a shock when you are charged a fee you were not aware existed; however, you can relax and worry less about paying more out of your pocket when you use this card. You can keep your money and spend it on what you want, rather than on fees.

Loading your card is simple and easy. When it comes to figuring out how much you want to load your card you have many options to choose from. Cardholders can load money via direct deposit, via SMS (text messaging), via your bank account, a participating retailer, and online. Direct deposit is the easiest and fastest way to load money onto your card and it is free. If you wish you can have your employment check, or a portion of it, direct deposited onto your card to pay the bills or for emergencies.

Using your YAP card is simple and easy. Your card can be used anywhere the Mastercard logo is accepted worldwide which includes millions of places to choose from and shop at.


Pros

  • No application fee
  • 1 month intro
  • No credit checks
  • No bank account required
  • No overdraft fees
  • Free Direct Deposit

Cons

  • Monthly fee after 1st month

Basic Information

Issuer: Horizon Bank SSB
Network: Mastercard®
Category: Consumer (Stored Value)
Common Uses:
  • Cards for Bad Credit
  • Prepaid Debit Cards
  • Guaranteed Approval
  • Damaged Credit
Rewards: No
 

Rates & Fees

Introductory APR (%): N/A
Applied Towards: N/A
Intro Period: 1 month*
Regular APR: N/A
Regular APR Type: N/A
Annual Fee: N/A
Balance Transfer: No*
APR on Cash Advances: N/A
Grace Period: None**
Late Payment Fee: $0*
 

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Additional Info & Comments

* The monthly fee is waived when you load at least $500/month on your YAP Card, during the previous month.



Non-Affiliate Offer Disclosure
*The information provided for YAP™ MasterCard Prepaid Card is believed to be accurate at the time of evaluation and has been collected independently by Market Pro Secure®. The card issuer did not provide the details, nor it is responsible for their accuracy.
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Min. Credit Required: Bad Credit OK*