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Credit Card Applications » Prepaid Debit Cards

Best Prepaid Debit Cards of December 2018

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.

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. Also, they don't report to credit bureaus, and as such, you won't ruin your credit history by using them.

Top for December 2018
Limited/No Credit
Visa Prepaid Cards
MetaBank®: Midnight Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Enroll in Direct Deposit and get your pay up to two days early. Certain restrictions apply*
  • Easy Online Bill Pay — pay your rent, utilities or a friend*.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Midnight Prepaid Visa RushCard.
Green Dot Bank: Green Dot 5% Cash Back Visa® Debit Card
Compare
Apply Online
At Green Dot’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
No
No
CARD DETAILS:
  • Earn 5% Cash Back on purchases, up to $100 per reward year
  • No overdraft fees, ever
  • No credit check to get a card
  • Get paid up to 2 days earlier with free direct deposit (subject to your payment provider's process and timing)
  • Track your money 24/7 with our mobile app. Deposit checks with your smartphone
  • Use it everywhere Visa debit cards are accepted in the U.S.
MetaBank®: Sequin KLS Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply*
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Check your balance, view transactions, and even transfer money with the RushCard mobile app.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Sequin Prepaid Visa RushCard.
Any Credit (No Credit Check)
Ace Cash Express: Bronze ACE Elite™ Visa® Prepaid Debit Card
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.
Limited/No Credit
MetaBank®: 24k Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Enroll in Direct Deposit and get your pay up to two days early.*
  • Real time activity alerts to let you know when a load goes through or if your balance is running low.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
  • Approval upon successful ID verification.* No credit check* or minimum balance required.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Easy Online Bill Pay— pay your rent, utilities or a friend*.
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about 24k Prepaid Visa RushCard.
Any Credit (No Credit Check)
Ace Cash Express: Purple ACE Elite™ Visa® Prepaid Debit Card
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)
Ace Cash Express: Blue ACE Elite™ Visa® Prepaid Debit Card
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.
Limited/No Credit
MetaBank®: Carbon Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Real time activity alerts to let you know when a load goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Carbon Prepaid Visa RushCard.
Limited/No Credit
MetaBank®: Gloss Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Stay connected — keep track of your money on your mobile phone with the RushCard app. *
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply*
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.*
  • Real time activity alerts sent to your mobile phone via text or email.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Gloss Prepaid Visa RushCard.
Ace Cash Express: CityScape ACE Elite™ Visa® Prepaid Debit Card
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)
Ace Cash Express: Pink ACE Elite™ Visa® Prepaid Debit Card
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.
Any Credit (No Credit Check)
Community Federal Saving Bank: goHenry US
Compare
Apply Online
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
Yes
Yes
No
CARD DETAILS:
  • 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.
MetaBank®: Sequin KLS Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply*
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Check your balance, view transactions, and even transfer money with the RushCard mobile app.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Sequin Prepaid Visa RushCard.
Green Dot Bank: Green Dot 5% Cash Back Visa® Debit Card
Compare
Apply Online
At Green Dot’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
No
No
CARD DETAILS:
  • Earn 5% Cash Back on purchases, up to $100 per reward year
  • No overdraft fees, ever
  • No credit check to get a card
  • Get paid up to 2 days earlier with free direct deposit (subject to your payment provider's process and timing)
  • Track your money 24/7 with our mobile app. Deposit checks with your smartphone
  • Use it everywhere Visa debit cards are accepted in the U.S.
MetaBank®: Midnight Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Enroll in Direct Deposit and get your pay up to two days early. Certain restrictions apply*
  • Easy Online Bill Pay — pay your rent, utilities or a friend*.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Midnight Prepaid Visa RushCard.
Limited/No Credit
MetaBank®: Gloss Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Stay connected — keep track of your money on your mobile phone with the RushCard app. *
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply*
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.*
  • Real time activity alerts sent to your mobile phone via text or email.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Gloss Prepaid Visa RushCard.
Limited/No Credit
MetaBank®: 24k Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Enroll in Direct Deposit and get your pay up to two days early.*
  • Real time activity alerts to let you know when a load goes through or if your balance is running low.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
  • Approval upon successful ID verification.* No credit check* or minimum balance required.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Easy Online Bill Pay— pay your rent, utilities or a friend*.
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about 24k Prepaid Visa RushCard.
Limited/No Credit
MetaBank®: Carbon Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Real time activity alerts to let you know when a load goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Carbon Prepaid Visa RushCard.
Green Dot Bank: Green Dot 5% Cash Back Visa® Debit Card
Compare
Apply Online
At Green Dot’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
No
No
CARD DETAILS:
  • Earn 5% Cash Back on purchases, up to $100 per reward year
  • No overdraft fees, ever
  • No credit check to get a card
  • Get paid up to 2 days earlier with free direct deposit (subject to your payment provider's process and timing)
  • Track your money 24/7 with our mobile app. Deposit checks with your smartphone
  • Use it everywhere Visa debit cards are accepted in the U.S.
Limited/No Credit
MetaBank®: 24k Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Enroll in Direct Deposit and get your pay up to two days early.*
  • Real time activity alerts to let you know when a load goes through or if your balance is running low.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
  • Approval upon successful ID verification.* No credit check* or minimum balance required.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Easy Online Bill Pay— pay your rent, utilities or a friend*.
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about 24k Prepaid Visa RushCard.
Limited/No Credit
MetaBank®: Carbon Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Real time activity alerts to let you know when a load goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Carbon Prepaid Visa RushCard.
Ace Cash Express: CityScape ACE Elite™ Visa® Prepaid Debit Card
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)
Ace Cash Express: Pink ACE Elite™ Visa® Prepaid Debit Card
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.
MetaBank®: Midnight Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Enroll in Direct Deposit and get your pay up to two days early. Certain restrictions apply*
  • Easy Online Bill Pay — pay your rent, utilities or a friend*.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Midnight Prepaid Visa RushCard.
Any Credit (No Credit Check)
Ace Cash Express: Blue ACE Elite™ Visa® Prepaid Debit Card
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.
MetaBank®: Sequin KLS Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
CARD DETAILS:
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply*
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Check your balance, view transactions, and even transfer money with the RushCard mobile app.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Sequin Prepaid Visa RushCard.
Any Credit (No Credit Check)
Ace Cash Express: Bronze ACE Elite™ Visa® Prepaid Debit Card
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)
Ace Cash Express: Purple ACE Elite™ Visa® Prepaid Debit Card
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.


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

Manage Your Money with Prepaid Debit Cards

Prepaid cards require no credit checks or background checks. 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 your credit history. 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.

See also Credit Cards for:

750-850
Credit Score
700-749
Credit Score
640-699
Credit Score
350-639
Credit Score

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