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Credit Card Applications » Prepaid Debit Cards

Best Prepaid Debit Cards of November 2017

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.

Top for November 2017
$0 Monthly Fee
Visa Prepaid Cards
See website for Details*
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See website for Details*
Yes
Yes
No
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.
  • No CreditCheck to Get a Card. 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
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See website for Details*
Yes
No
No
CARD DETAILS:
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • Free* Direct Deposit
  • No Credit Check or ChexSystems Checks
  • 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
Any Credit (No Credit Check)
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
Any Credit (No Credit Check)
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See website for Details*
Yes
No
No
CARD DETAILS:
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check or ChexSystems Checks
  • 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
See website for Details*
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
$4.95; one-time charge
No
Yes
No
CARD DETAILS:
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check. No Overdraft Fees, ever.
  • Free* Direct Deposit and Online Bill Payment
  • Use it Everywhere Visa Debit Card Accepted in the U.S.
  • Easy Online/Mobile Account Access
  • Perfect for Occasional Usage
  • *See Program Rules
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
Any Credit (No Credit Check)
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • No-Fee Cash Withdrawals at ACE.
  • Enroll in Direct Deposit, and You Can Get Paid Faster.
  • Access Your Account From the Palm of Your Hand.
  • Transfer Funds.
  • Reward Yourself.
  • Give back with the Pink ACE Elite Card.
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See website for Details*
Yes
Yes
No
CARD DETAILS:
  • 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
  • *See Program Rules
Any Credit (No Credit Check)
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See website for Details*
Yes
No
No
CARD DETAILS:
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check or ChexSystems Checks
  • 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
See website for Details*
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
$4.95; one-time charge
No
Yes
No
CARD DETAILS:
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check. No Overdraft Fees, ever.
  • Free* Direct Deposit and Online Bill Payment
  • Use it Everywhere Visa Debit Card Accepted in the U.S.
  • Easy Online/Mobile Account Access
  • Perfect for Occasional Usage
  • *See Program Rules
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See website for Details*
Yes
No
No
CARD DETAILS:
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • Free* Direct Deposit
  • No Credit Check or ChexSystems Checks
  • 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
See website for Details*
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See website for Details*
Yes
Yes
No
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.
  • No CreditCheck to Get a Card. 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
See website for Details*
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
$4.95; one-time charge
No
Yes
No
CARD DETAILS:
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check. No Overdraft Fees, ever.
  • Free* Direct Deposit and Online Bill Payment
  • Use it Everywhere Visa Debit Card Accepted in the U.S.
  • Easy Online/Mobile Account Access
  • Perfect for Occasional Usage
  • *See Program Rules
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
Any Credit (No Credit Check)
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • No-Fee Cash Withdrawals at ACE.
  • Enroll in Direct Deposit, and You Can Get Paid Faster.
  • Access Your Account From the Palm of Your Hand.
  • Transfer Funds.
  • Reward Yourself.
  • Give back with the Pink ACE Elite Card.
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See website for Details*
Yes
Yes
No
CARD DETAILS:
  • 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
  • *See Program Rules
Any Credit (No Credit Check)
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See website for Details*
Yes
No
No
CARD DETAILS:
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • Free* Direct Deposit
  • No Credit Check or ChexSystems Checks
  • 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
Any Credit (No Credit Check)
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
Any Credit (No Credit Check)
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
:
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See website for Details*
Yes
No
No
CARD DETAILS:
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check or ChexSystems Checks
  • 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


Not Sure Which Card to Choose? Ask Our Experts!
Leo Zhu
Leo Zhu, CreditLand Consultant on Credit Card Questions

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.

See also Credit Cards for:

Excellent Credit
750-850
Credit Score
Good Credit
700-749
Credit Score
Fair Credit
640-699
Credit Score
Bad Credit
350-639
Credit Score

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