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December 2019
best prepaid debit cards

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

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  • Top for December 2019
  • Limited/No Credit
  • Visa Prepaid Cards
Rating
Activation Fee
Instant Response
Overdraft Available
Credit Check
Hide
Apply for Bronze ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for Purple ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for Blue ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for CityScape ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for Pink ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for goHenry US - Credit-Land.com

Rating 4.2

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
No
Instant Response
Yes
Credit Check
No
  • It takes just one minute to open your online account. (No credit card required).
  • See your child's face light up when they receive their very own card in just 10 working
  • Set automatic allowance transfers, tasks and spending rules for your child.

our choice

Monthly Maintenance Fee: $0 for 2 months (after $3.99 per month)

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Instant Response

Guaranteed Approval

Rating
Activation Fee
Instant Response
Overdraft Available
Credit Check
Hide
Apply for Pink ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for Purple ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for goHenry US - Credit-Land.com

Rating 4.2

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
No
Instant Response
Yes
Credit Check
No
  • It takes just one minute to open your online account. (No credit card required).
  • See your child's face light up when they receive their very own card in just 10 working
  • Set automatic allowance transfers, tasks and spending rules for your child.

our choice

Monthly Maintenance Fee: $0 for 2 months (after $3.99 per month)

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Instant Response

Guaranteed Approval

Apply for Blue ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for CityScape ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for Bronze ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Rating
Activation Fee
Instant Response
Overdraft Available
Credit Check
Hide
Apply for CityScape ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for Pink ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for Blue ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for Bronze ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

Apply for Purple ACE Elite™ Visa® Prepaid Debit Card - Credit-Land.com

Rating 4.6

APPLY

Any Credit (No Credit Check)

our choice

Activation Fee
See terms
Overdraft Available
Yes
Instant Response
Yes
Credit Check
No
  • 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.

our choice

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Visa cards are accepted

Instant Response

No Credit Check

manage money WITH PREPAID
DEBIT CARDS

While prepaid cards can be very useful, you should beware of built-in fees for everything from opening the account to loading money on the card and to making transactions. But at the same time, these cards charge no interest like credit cards do. Also, they don't report to credit bureaus and require no credit checks or background checks, and as such, you won't ruin your credit history by using them. But they also will not help you build your credit history.

Prepaid cards are the easiest cards to manage - just load and use. Reloadable prepaid cards can be loaded and used over and over again, plus they can be used at any ATM when you need to withdraw cash.

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 debit 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.

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Don't know
what to choose?

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questionsABOUT
BEST PREPAID CARDS

I am thinking of getting a prepaid card for my son who is away to college, he has a job but every now and then I wanted to be able to give him some extra spending money. I am considering the Arvest gift card, any advice?

Pre-paid card can be great for this sort of thing. Be aware of what fees are associated with the card. Some cards charge maintenance or other fees. All pre-paid cards are not created equal and some are better than...

Read more
My bank recently hiked all their fees and I'm very frustrated. I used to have a free checking account, and now it seems I pay extra for every little thing. What can I do?

That is a frustrating situation. One thing you can consider is getting a prepaid card and using that as your bank account, instead of having a traditional account. Or you can look into a bank like First Merit, which...

Read more
How old do you need to be to get a credit card? My daughter is starting high school and I'd like for her to have her own card, in case of emergencies.

It's smart to make sure your daughter is covered in case she gets into a tight financial spot, now that she's a teenager and likely to be away from you more often. However, don't be too eager to give her a credit card....

Read more
See all questions

NOT SURE WHICH CARD TO CHOOSE?

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commentsABOUT
BEST PREPAID DEBIT CARDS

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