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Credit Card Applications » Prepaid Debit Cards

Best Prepaid Debit Cards of 2016

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
Any Credit (No Credit Check)
AccountNow® Gold Visa® Prepaid Card
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Key Feature: $0 Activation Fee
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
See TermsYes!YesNoNoNo
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% Approval* - upon Successful ID Verification. No CreditCheck*. 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.
  • *See Program Rules.
Our Expert Opinion
  • No Credit Check.
  • Free Direct Deposit.
  • $0 Activation Fee.
  • No Bank Account Required.

See card details
Any Credit (No Credit Check)
AchieveCard Visa® Prepaid Card
Compare
Key Feature: Quick and Easy Sign Up
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
See TermsNoNoNoNoNo
Card Details:
  • Get paid faster than a paper check.
  • Quick and easy sign up.
  • No minimum balance.
  • Online banking and SMS alerts.
  • Shop online, pay bills, and make everyday purchases.
  • Send paper checks with Online Bill Pay - we print & mail them for free!
  • Exclusive AchieveRewards Loyalty Program.
Our Expert Opinion
  • Get your paycheck faster with Direct deposit.
  • Online banking available.
  • Earn points with AchieveRewards loyalty program.
  • No minimum balance.

  • Monthly fee applies.
See card details
Any Credit (No Credit Check)
READYdebit® Visa Mint Control Prepaid Card
Compare
Key Feature: $0 Monthly Fee
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$0Yes!NoNoNoNo
Card Details:
  • $0 Monthly Fee*.
  • Free* Direct Deposit.
  • No Credit Check* or ChexSystems Check.
  • No Risk of Overdraft Fees.
  • No Bounced Checks - Ever!
  • Easy Cash Reloading at 50,000 + Retail Locations.
  • Send Checks with Easy Online Bill Pay.
  • *See Program Rules.
Our Expert Opinion
  • No monthly fee.
  • Free direct deposit.
  • No credit check.
  • Easy Online Bill Pay.

  • One time activation fee applies.
See card details
Any Credit (No Credit Check)
READYdebit® Visa Select Ocean Prepaid Card
Compare
Key Feature: Free Direct Deposit
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
See TermsUpon successful
ID Verification
YesNoNoNo
Card Details:
  • $0 Monthly Fee*.
  • Free* Direct Deposit.
  • No Credit Check* or ChexSystems Check.
  • No Risk of Overdraft Fees.
  • No Bounced Checks - Ever!
  • Easy Cash Reloading at 50,000 + Retail Locations.
  • Send Checks with Easy Online Bill Pay.
  • *See Program Rules.
Our Expert Opinion
  • Free direct deposit.
  • Mobile Account Access.
  • No credit checks.
  • No Purchase Transaction Fees.

  • Set up and monthly fee.
See card details
Any Credit (No Credit Check)
AccountNow® Prepaid Visa® Card
Compare
Key Feature: 100% Guaranteed Approval
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$4.95Yes!YesNoNoNo
Card Details:
  • 100% Approval (subject to I.D. Verification).
  • $0 Monthly Fee*.
  • No Minimum Balance.
  • No Credit Check* or ChexSystems check.
  • Free* Direct Deposit and Online Bill Payment.
  • Use it Everywhere Visa Debit Card Accepted.
  • Perfect for Occasional Usage.
  • *See Program Rules.
Our Expert Opinion
  • Free direct deposit.
  • No credit check.
  • No monthly fee.

  • Has an activation fee.
See card details
Any Credit (No Credit Check)
AccountNow® Prepaid MasterCard®
Compare
Key Feature: 100% Guaranteed Approval
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
$4.95Yes!YesNoNoNo
Card Details:
  • $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.
  • *See Program Rules.
Our Expert Opinion
  • No monthly fee.
  • Free direct deposit.
  • No credit check.

  • Not a credit card.
See card details
Any Credit (No Credit Check)
READYdebit® Visa Latte Control Prepaid Card
Compare
Key Feature: $0 Monthly Fee*
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting Credit Bureaus
See TermsYes!NoNoNoNo
Card Details:
  • $0 Monthly Fee*.
  • No Credit Check* or ChexSystems Check.
  • No Risk of Overdraft Fees.
  • No Bounced Checks - Ever!
  • Free* Direct Deposit.
  • Easy Cash Reloading at 50,000 + Retail Locations.
  • Send Checks with Easy Online Bill Pay.
  • *See Program Rules.
Our Expert Opinion
  • No monthly fees.
  • Free direct deposit.
  • No Credit Check.

  • Activation fee applies.
See card details

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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Budget Your Purchases with Prepaid Cards

April 11, 2015

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