Some prepaid credit cards have high initial fees and low or no transaction fees. Other cards have a quite low application and processing fee, but carry a fee for each transaction. For a card holder who makes only one or two transactions a week, this might turn out to be the cheaper option. Still other cards charge a per transaction fee, but cap that fee at ten or fifteen dollars a month. Another area to take a close look at is the monthly or annual fee structure. There is a great variance in these fees, and, again, the fee structure that works best for one user might no be best for another.