Find The Best Prepaid Cards
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Best Prepaid Debit Cards of October 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.
Limited/No Credit
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
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)
Compare
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
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.
See website for Details*
Compare
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
Any Credit (No Credit Check)
Compare
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
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
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.
See website for Details*
Compare
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
Limited/No Credit
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.
Any Credit (No Credit Check)
Compare
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
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.
See website for Details*
Compare
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
Limited/No Credit
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.
See website for Details*
Compare
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
Limited/No Credit
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.
See website for Details*
Compare
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
Any Credit (No Credit Check)
Compare
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
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.
Limited/No Credit
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)
Compare
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
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)
Compare
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
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!
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: