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Credit Card Applications » Prepaid Debit Cards

Best Prepaid Debit Cards of 2014

Prepaid cards are becoming more and more popular, as everyone needs "plastic" these days, but not everyone can get one. Similar to a gift card, these cards are essentially just cards you load up with cash and use on the go, when a card is required. Prepaid cards can be a lifesaver for people who can't get a regular credit card, or people without checking account linked debit cards.

While these cards can be very useful, you should beware of built-in fees for everything from opening the account to loading money on the card, to making transactions. But at the same time these cards charge no interest. Also, they don't report to credit bureaus, and as such, they do not help you establish a credit history.

Sort Cards by:RatingActivation FeeGuar. ApprovalInstant ResponseCredit CheckBuild Credit
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Credit Check, Late Fees, or Interest Payments
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$0NoNoNoNoNo
Card Details:
  • Get the power of a NetSpend prepaid card with Western Union® worldwide money transfer.
  • Free direct deposit to help you get your paychecks and government payments up to 2 days faster!*
  • 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.
Our Expert Opinion
  • Free direct deposit.
  • Optional rewards program.
  • Fast WU® money transfers.

  • Not a credit card.
See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Credit Check, Overdraft Fees or Interest Charges
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
see siteNoYesNoNoNo
Card Details:
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • 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.
Our Expert Opinion
  • Link the card with your PayPal account and have full access to features available.
  • Optional savings account.
  • Real-time alerts and notifications.

  • All benefits available only if you have PayPal account.
See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: $0 Activation Fee
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$0YesYesNoNoNo
Card Details:
  • 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% Guaranteed Approval* - upon Successful ID Verification. No CreditCheck*. No ChexSystems Check. No Existing Bank Account Required.
  • $0 Activation Fee*. No Minimum Balance. No 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.
Our Expert Opinion
  • No Credit Check.

See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Credit Check!
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
See termsNoYesNoNoNo
Card Details:
  • Official Sponsor of the National Breast Cancer Foundation (NBCF).
  • Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF′s early detection screening program for those in need.
  • Enroll in direct deposit today - receive your account number immediately.
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.1
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.1
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Always know your balance - by mobile app, email, or text message. Standard data rates apply.1
  • Earn cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.
Our Expert Opinion
  • Has rewards on everyday purchases.
  • No-fee cash withdrawals at ACE Cash Express locations.
  • Faster access to funds.

  • No credit reports.
See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: $0 Monthly Fee
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
See websiteYesNoNoNoNo
Card Details:
  • $0 Monthly Fee.3
  • Free3 Direct Deposit.
  • ScoreTracker with Free3 Direct Deposit.
  • No Credit Check3 or ChexSystems Checks.
  • No Overdraft fees.
  • No Bounced Checks - Ever!
  • Easy Cash Reloading at 50,000 + Retail Locations.
  • Send Checks with Easy Online Bill Pay.
Our Expert Opinion
  • No annual fee.
  • Free direct deposit and credit score tracker.
  • No interest rates.

  • One time activation fee applies.
See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 100% Guaranteed Approval
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$4.95YesYesNoNoNo
Card Details:
  • 100% Approval Guaranteed* (subject to I.D. Verification).
  • $0 Monthly Fee*.
  • No Minimum Balance.
  • No Credit Check*. No Overdraft Fee.
  • Free* Direct Deposit and Online Bill Payment.
  • Use it Everywhere Visa Debit Card Accepted.
  • Now with Purchase Rewards.
  • Perfect for Occasional Usage.
Our Expert Opinion
  • Easy access to your money.
  • Alternative to checking account.

  • Has an activation fee.
See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Credit Check - You're guaranteed approval
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$0YesNoNoNoNo
Card Details:
  • Trust Brink′s with your money. Securing cash and valuables since 1859.
  • Get paid up to 2 days faster with Direct Deposit.
  • Access your money whenever, wherever you are. Use your mobile phone and online Account Center to check your balance, send money, find reload/ATM locations and much more.
  • Let Alerts help you stay connected to your money. Know when your card is used, direct deposit arrives, transaction details and your available balance.
  • Shop securely Online with a Virtual Account so you don′t have to use your card number.
  • Add extra protection for shopping in stores by putting your photo on your card.
  • Earn Cash Back via the Payback Rewards program from restaurants, shops and more.
  • $10 Purchase Cushion When You′re A Little Short.
Our Expert Opinion
  • A MasterCard prepaid card.
  • Guaranteed approval without credit check.
  • A card with Payback Rewards program.

  • Not a credit card.
See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Guaranteed Approval
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$9.95YesYesNoNoNo
Card Details:
  • Exclusive Rewards Program.
  • Credit ScoreTracker* at No Additional Cost.
  • Easy Mobile Account Access and Text Alerts.
  • Easy Online Bill Payment & Check Writing.
  • Free* Direct Deposit - Paycheck, Benefit Checks, Tax Refund Checks.
  • No Credit Check*, no Overdraft Fees or Balance Minimums.
  • Reloadable up to $10,000 Max Balance.
Our Expert Opinion
  • 100% Guaranteed Approval.
  • Free direct deposit.

  • Has set up and monthly fees.
See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Credit Check!
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
See termsNoYesNoNoNo
Card Details:
  • Enroll in direct deposit today - receive your account number immediately.
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.1
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.1
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Transfer money to another ACE Elite cardholder with no fee.1
  • Always know your balance - by mobile app, email, or text message. Standard data rates apply.1
  • Earn up to 5% APY while you save in an optional savings account.1
  • Earn cash back on your everyday purchases through Payback rewards - get Special Offers and account credits when you use them.1
Our Expert Opinion
  • Faster tax refund.
  • Pay nothing for cash withdrawals at ACE Cash Express locations.
  • Free direct deposit.

  • No credit reports.
See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Overdraft Fees
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
See websiteYesNoNoNoNo
Card Details:
  • $0 Monthly Fee.3
  • No Credit Check3 or ChexSystems Checks.
  • No Overdraft fees.
  • No Bounced Checks - Ever!
  • Free3 Direct Deposit.
  • ScoreTracker with Free3 Direct Deposit.
  • Easy Cash Reloading at 50,000 + Retail Locations.
  • Send Checks with Easy Online Bill Pay.
Our Expert Opinion
  • No monthly fees.
  • Free direct deposit.
  • Free credit score tracker.

  • Activation fee applies.
See card details

1 $0 introductory annual fee for the first year, then $65.
3 $0 introductory annual fee for the first year, then $175.

Manage Your Money with Prepaid Cards

Prepaid cards require no credit checks, background checks or monthly payments. They are the easiest cards to manage - just load and use. These cards do not accrue interest like credit cards do, but they also will not help you build a credit history. These cards are re-loadable and available for use at any ATM.

A prepaid card can be a lifesaver for those susceptible to overspending and impulse buys. If you're working with a budget you can put the amount you want to spend on your card and be reassured that you won't go over budget.

A prepaid card is a good option for people who want to control payments on auto-renew. If you have automatic billing set up with a prepaid card, you will not have overdraft problems if the card runs out of money. The card will simply decline the automatic bill payment if it doesn't have any money left on it.

A prepaid card can be used as allowance: for children and young adults, this card is perfect for allowances and pocket money given by parents. Not only will your kids stop bugging you for cash, they will also learn independence, good money management skills, and discipline that will benefit them later in life, when they are full-fledged consumers.

Our Experts about Best Prepaid Cards

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The Hitchhiker's Guide to Prepaid CardsThe Hitchhiker's Guide to Prepaid Cards

Lots of people are confused about what prepaid cards really are. Are they even credit cards? The answer is no - prepaid cards aren’t really credit cards at all, even though we offer them here at Credit-Land.com, and they look like credit cards. A ...Continue reading

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