The exclusive cashplus prepaid Gold MasterCard. The award winning prepaid card with no credit check or bank account needed, 100% acceptance guaranteed* The new cashplus Gold card is a MasterCard prepaid card. This means that like a pay as you go phone, you need to put money on to the account before you can use it. It is not a debit card that is linked to a bank account or credit card where you pay for your transactions at a later date. It's a pay as you go MasterCard prepaid card. You just top it up - it's easy!