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Credit Card Applications » Prepaid Debit Cards

Best Prepaid Debit Cards of July 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 July 2018
$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
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.* Certain restrictions apply. See card site for 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.*
  • Stay connected – keep track of your money on your mobile phone with the free RushCard app.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • Easy Online Bill Pay to practically anyone – pay your rent, utilities or a friend.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
Limited/No Credit
:
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. See card site for 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.*
  • 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.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.* See card site for details.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Easy Online Bill Pay to practically anyone – pay your rent, utilities or a friend
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.
Limited/No Credit
:
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 free RushCard app.
  • Get your government benefits up to two days early with Direct Deposit.* Certain restrictions apply. See card site for details.
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.* See card site for details.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • Real time activity alerts sent to your mobile phone via text or email.* Standard text message and data rates, fees, and charges may apply.
  • Easy Online Bill Pay to practically anyone – pay your rent, utilities or a friend.
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.
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
Limited/No Credit
:
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.* Certain restrictions apply. See card site for details.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • No credit check* or minimum balance required. Approval upon successful ID verification.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.* See card site for details.
  • Easy Online Bill Pay to practically anyone – pay your rent, utilities or a friend.
:
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.
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.
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
Limited/No Credit
:
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.* Certain restrictions apply. See card site for details.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • No credit check* or minimum balance required. Approval upon successful ID verification.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.* See card site for details.
  • Easy Online Bill Pay to practically anyone – pay your rent, utilities or a friend.
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
Limited/No Credit
:
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. See card site for 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.*
  • 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.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.* See card site for details.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Easy Online Bill Pay to practically anyone – pay your rent, utilities or a friend
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
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.* Certain restrictions apply. See card site for 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.*
  • Stay connected – keep track of your money on your mobile phone with the free RushCard app.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • Easy Online Bill Pay to practically anyone – pay your rent, utilities or a friend.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
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
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. See card site for details.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • 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.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.* See card site for details.
  • Conveniently send money to friends and family who have a RushCard with a card to card transfer
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.


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:

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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