If you find yourself in a bad credit situation and you still want the convenience of a debit card, you're in luck. Prepaid debit cards and no credit check credit cards are offered by banks all over the country as a way for people with less-than-perfect credit to participate in the modern economy. You just can't buy stuff online with cash, and paying bills without plastic is a headache and just asking for a mugging.

The biggest advantage to applying for no credit check credit cards is the simple fact that you won't have to undergo a credit check to get the plastic you need to make purchases online and in retail stores. There are other advantages--many of these cards allow you to report your bill payments to credit bureaus, payments that would normally not count toward repairing your credit history. Also, your money will be FDIC insured, and safe in an online-based account instead of stuffed in wads under your mattress.

Here are the five best no credit check credit card offers online.

1. Walmart Moneycard Visa Prepaid-- No activation fee, no credit check, no overdraft fees, and no minimum balance requirement mean that this is the easiest prepaid debit card to own. When you set up Direct Deposit, not only will you not be charged a fee, you'll actually earn $10 automatically added to your prepaid card (limited time offer.) This is one of the only prepaid cards I've seen that offers cashback--1% on all gas purchases nationwide. This is the best prepaid card on the market right now, with a monthly fee of just $3.
2. NetSpend Visa Prepaid--Free Direct Deposit and a 100% guaranteed acceptance when you apply means anyone can get this card and start doing their shopping with a Visa card. The monthly fee is a hefty $9, but if you can't get approved for any other plastic, this may be your only hope of getting a Visa card. Online budgeting tools help customers manage and budget their money.
3. AccountNow Gold Visa Prepaid--AccountNow is currently offering a $25 bonus for setting up Direct Deposit. You can use this card anywhere Visa is accepted, which means millions of vendors around the world. Monthly fee is just over $9 a month.
4. NetSpend Mastercard Prepaid--A NetSpend payback rewards program earns you money and other gifts just for using your card every month. The monthly fee is average--about $10 a month.
5. ACE Elite Visa Prepaid--The only card on this list that can act as a "savings account", the ACE Elite Visa prepaid card offers a free savings account feature with 5% APY. You can also make cash withdrawals at any ACE check cashing location. The monthly fee is $9.95.