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Best Prepaid Debit Cards of 2014

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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. ApprovalInst. ResponseCredit CheckBuild Credit
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 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:
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
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Free Bill Pay and online budget management tools
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$0YesYesNoNoNo
Card Details:
  • Use Direct Deposit - get your paycheck or government benefits check up to 2 days faster.
  • No overdraft fees & a simple fee plan. No cost to order or activate a card.
  • Qualify for a $10 Purchase Cushion and $5/month fee plan after a Direct Deposit of $500 in one calendar month.
  • Earn Cash Back Rewards & Refer A Friend bonuses.
  • Free Bill Pay and online budget management tools.
  • Transfer money to other cardholders online or with your mobile phone.
  • Free Smartphone App - check your transactions, balance and find the closest reload location.
  • Refill a Prepaid Phone using your Control card - Get $1 back each time you add $25 or more.
Our Expert Opinion
  • Free Direct Deposit with automatic upgrade.
  • Cash back rewards program.
  • Available optional savings account.

  • Has a monthly fee.
See card details
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: $0 Activation Fee
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$0YesYesNoNoNo
Card Details:
  • Perfect for Direct Deposit Tax Refund - Get your Tax Refund Fast without a traditional bank account.
  • This is not a credit card. You need to deposit your own money before using the card.
  • 100% Guaranteed Approval - upon successful ID verification.
  • $0 Activation Fee.
  • $15 Bonus15 with recurring Direct Deposit.
  • Shop online & Pay bills online.
  • Easy Mobile Account Access and Text Alerts.
  • Accredited A+ Company.
Our Expert Opinion
  • No Credit Check.

See card details
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 100% Approval - No Credit Check needed
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
n/aYesYesNoNoNo
Card Details:
  • Get Paid up to 2 days faster with direct deposit - paychecks and government benefit checks.
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees.
  • Earn cash back with NetSpend Payback Rewards.
  • Real-time activity alerts sent to your mobile phone.
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
Our Expert Opinion
  • You can upgrade your account to get additional benefits.
  • Pay bills online in the way that suits you best.
  • Access your account anytime and anywhere.

  • Charges monthly fees.
See card details
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Credit Check!
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
See termsNoYesNoNoNo
Card Details:
  • Get your tax refund faster with direct deposit.15
  • 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.
  • Get paid up to 2 days faster with free direct deposit of paychecks and government benefits.15
  • Free Anytime Alerts™ - Get your balance and transactions via text or email.15
  • Secure: Card funds are backed by Visa® Zero Liability.15
Our Expert Opinion
  • Has rewards on everyday purchases.
  • Pay nothing for cash withdrawals at ACE Cash Express locations.
  • Faster access to funds.

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

Bad / No Credit
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: $0 Monthly Fee
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$4.95YesNoNoNoNo
Card Details:
  • $0 Monthly Fee.
  • Free47 Direct Deposit.
  • Free47 ScoreTracker with Direct Deposit.
  • No Credit 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
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Guaranteed Approval
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$9.95YesYesNoNoNo
Card Details:
  • This is not a credit card. You need to deposit your own money before using the card.
  • Exclusive Rewards Program.
  • Free Credit ScoreTracker.47
  • Easy Mobile Account Access and Text Alerts.
  • Easy Online Bill Payment & Check Writing.
  • Free47 Direct Deposit - paycheck, benefits, tax refunds.
  • No Credit Check, no Overdraft Fees or Balance Minimums.
  • Reloadable up to $10,000 Max Balance.
  • Deposit is fully FDIC insured.
Our Expert Opinion
  • 100% Guaranteed Approval.
  • Free direct deposit.

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

Bad / No Credit
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: $0 Activation Online!
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$0NoNoNoNoNo
Card Details:
  • $0 activation online - with no credit check!
  • No minimum balance.
  • Free Direct Deposit.
  • Access to over 22,000 free MoneyPass® ATMs *Withdrawals outside the MoneyPass® ATM network will be charged $2.50 plus any ATM owner fees.
Our Expert Opinion
  • Free when you apply online.
  • Free direct deposit.
  • No credit check or minimum balance required.

  • Monthly fee may apply.
See card details
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Credit Check!
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
See termsNoYesNoNoNo
Card Details:
  • Get your tax refund faster with direct deposit.15
  • Get paid up to 2 days faster with free direct deposit of paychecks and government benefits.15
  • Free Anytime Alerts™ - Get your balance and transactions via text or email.15
  • Free Direct Deposit - Get paid up to 2 days faster, don´t stand in line or pay check cashing fees.15
  • Secure: Card funds are backed by Visa Zero Liability.15
Our Expert Opinion
  • Has rewards on everyday purchases.
  • Pay nothing for cash withdrawals at ACE Cash Express locations.
  • Faster access to funds.

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

Bad / No Credit
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 100% Guaranteed Approval
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$4.95YesYesNoNoNo
Card Details:
  • $0 Monthly Fee. Perfect for Occasional Usage.
  • 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.
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
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Overdraft Fees
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$0NoYesNoNoNo
Card Details:
  • Free sign up in seconds without a credit check.
  • No overdraft fees, late fees, or minimum balance.
  • Free Direct Deposit with your employer.
  • 1,000s of designs to represent the things you care about.
  • Fraud protection and 24/7 support.
  • Free app for iPhone and Android to find 23,000 ATMs.
  • Free photo check capture with our free app.
  • Free card to card transfers to friends and family.
Our Expert Opinion
  • A Visa® debit card with free direct deposit.
  • No minimum balance required.
  • No sign up fee and no activation fee.

  • Monthly fee may apply.
See card details
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Overdraft Fees
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$4.95YesNoNoNoNo
Card Details:
  • $0 Monthly Fee.
  • No Credit or ChexSystems Checks.
  • No Overdraft fees.
  • No bounced checks - Ever!
  • Free Direct Deposit.
  • Free ScoreTracker with 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
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
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 foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Minimum Balance, No Overdraft Fees.
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$0NoNoNoNoNo
Card Details:
  • Take your love for NASCAR everywhere you go, on and off the track with this exclusive NASCAR-themed card.
  • Free Direct Deposit.
  • Access 20,000+ MoneyPass ATMs. A fee of $2.50 will apply for withdrawals made outside the MoneyPass network, plus any fee the ATM owner may assess.
  • No minimum balance, no overdraft fees.
Our Expert Opinion
  • Prepaid Visa card for NASCAR lovers.
  • No credit check required.
  • Free direct deposit is included.

  • Monthly fee may apply.
See card details

15 See Card Terms and Conditions.
47 See Program Rules.

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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Questions & Answers about
Prepaid Debit Cards

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