If your credit isn’t the best, you may be wondering how you can possibly make purchases online. However, there are alternative methods besides credit cards that will yield the results you seek. A prepaid debit card will grant you the versatility of a credit card without the fear of accruing debt because the money will always only amount to what you’ve already put on it.

You don’t have to worry about overspending because you won’t be able to overdraft. You can choose from a variety of companies. A Visa reloadable card will make your transactions much simpler. Visa and Mastercard are recognized almost anywhere, and some cards even feature a savings account option and reward programs.

In a rewards program, if you save up enough points by making purchases, you’ll be able to indulge in special discounts and offers that otherwise wouldn’t be possible. Every card is different though, and some programs may be set up for deals at only specific stores and websites.

Another perk to owning a debit card is that you can have your paycheck deposited directly into your account. You won’t have to fuss with cashing checks and you’ll always know exactly where your money is safely stored. While many debit cards have a monthly maintenance fee, it’s not typically more than five dollars.

Compared to a credit card that charges interest and late fees for missed payments, a prepaid debit card is far more stress free and simple to use. If you happen to lose it, all you have to do is cancel your current card and you’ll be sent another one.