Prepaid Debit Cards


If you are having some difficulty obtaining an unsecured credit card, a prepaid credit card maybe a good option for you. Carrying a lot of cash around is not very common in today’s electronic age. If you lose your wallet or purse, you have no way of recouping your money. If lose a credit card, you can at least get a new card issued. Some of the newest prepaid debit cards offer very creative features such as a credit builder option. This can be very useful in rebuilding your credit history.

With several prepaid credit cards being offered on the market, how can you tell which are the best? We did some research on what cards were available online and analyzed their features. Based on that research we formed a listing on the prepaid cards that we felt offered the greatest benefit to consumers. Please review our Top 5 Prepaid Credit Cards list and select the card that is right for you.

Prepaid Debit Cards

 AccountNow® Prepaid MasterCard® 
 

  • $0 monthly fee†
  • No credit check∞ or ChexSystems check
  • Instant account number
  • Free† direct deposit — paycheck, benefit checks, tax refund checks
  • Easy 24/7 online account access
  • Earn Refer-a-Friend cash bonus
  • Use it everywhere Mastercard Debit card accepted
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
up to $9.95 monthly fee
 



 AccountNow® Prepaid Visa® Card 
 

  • 100% Approval* (subject to I.D. Verification)
  • $0 monthly fee†
  • No minimum balance
  • No credit check∞. No risk of overdraft fee.
  • Free† direct deposit and online bill payment
  • Use it everywhere Visa debit card accepted
  • Easy online/mobile account access
  • Perfect for occasional usage
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$0
 



 PayPal™ Prepaid MasterCard® 
 

  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Use free direct deposit and get your paychecks and tax refund faster!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$4.95 monthly fee
 



 Gold NetSpend® Visa® Prepaid Card 
 

  • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
  • Guaranteed Approval* - No credit check needed (ID verification required).
  • Sign up for NetSpend Payback Rewards and earn cash back.
  • No late fees or credit card debt because this is not a credit card.
  • Use the Mobile App to manage your account on the go and get real time text message alerts (Message & data rates may apply).
  • Customize your card to add a personal touch or an extra layer of security.*
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click \'Apply Now\' for full details.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$0
 



 Pink NetSpend® Visa® Prepaid Card 
 

  • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
  • No credit check needed - 100% Approval* (ID verification required).
  • No credit card debt or late fees because this is not a credit card.
  • Earn cash back for using your card with the NetSpend Payback Rewards program.
  • Get real time activity alerts to your mobile phone or use the Mobile App to manage your account while you're on the go (Message & data rates may apply).
  • Earn up to $20 for every friend you refer.
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click \'Apply Now\' for full details.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$0
 



 Western Union® NetSpend® Prepaid MasterCard® 
 

  • Get paychecks and your tax refund fast with direct deposit!
  • Get the power of a NetSpend prepaid card with Western Union® worldwide money transfer.
  • Send WU® money transfers to nearly 500,000 agent locations in over 200 countries and territories on your mobile phone or from the comfort of home.
  • Receive WU® money transfer funds directly onto your card in the online account center.
  • Add cash at over 130,000 reload locations including Western Union®, CVS/pharmacy®, Family Dollar® and participating 7-ELEVEN® locations.
  • Plus: No credit check, late fees, or interest payments because this is not a credit card.
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click \'Apply Now\' for full details and to learn more.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$0
 



 AccountNow® Gold Visa® Prepaid Card 
 

  • Get paid up to 2 days faster with free direct deposit ▼
  • Get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Approval* - upon successful ID verification. No credit check∞. No ChexSystems check. No existing bank account required.
  • $0 Activation fee†. No Minimum Balance. No risk of Overdraft fees.
  • $15 Bonus§ with qualifying Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
up to $9.95 monthly fee
 



 READYdebit® Visa Prepaid Card 
 

  • Instant account number - a great card for your money.
  • Free† direct deposit — paycheck, benefit checks, tax refund checks
  • Easy online bill payment & mobile account access
  • No purchase transaction fees
  • No risk of overdraft fees or balance minimums
  • Withdraw cash at ATMs or get cash back with purchases
  • Use it everywhere visa debit cards are accepted
  • Choose your card color - blue or pink
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$9.95 monthly fee
 



 NetSpend® Visa® Prepaid Card 
 

  • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$9.95 monthly fee
 



 Kaiku® Visa® Prepaid Card 
 

  • Simple Fees: only $3/month when you use in-network ATMs, and that's easy to do, since the Kaiku Card may be used at any of the 55,000 Allpoint surcharge-free ATMs worldwide.
  • Six Eye-Catching Colors: select a vertical woodgrain card design that reflects your style: Ninja Black, Grizzly Brown, Unicorn Pink, Shark Bite Teal, Artsy White, or Jurassic Amber.
  • Funds-ometer: a financial tool with no setup or user inputs. It tracks your weekly spending and compares it to your 60-day average in fun categories like eating out and entertainment.
  • Mobile Check Loading: snap a picture of your check and load it to your card from anywhere with the Kaiku Mobile App on iOS and Android.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$0
 



VN:F [1.9.22_1171]
Rating: 4.7/5 (6 votes cast)
Prepaid Debit Cards, 4.7 out of 5 based on 6 ratings