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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
May 2022: 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.
- Top for May 2022
- Limited/No Credit
- Visa Prepaid Cards
- Mastercard Prepaid Cards
our choice
Activation Fee
N/A
Maintenance Fee
Basic Account Free, Premium Account $4.99/mo
Credit Check
No
Overdraft Available
Yes
Direct Deposit
Up To Two Days Faster for Premium members
- Member funds are insured up to $250,000. Deposits are insured through Current's partner bank, Choice Financial Group, Member FDIC.
- Current offers accounts for everyone, including teens.
- Members receive instant spending notifications every time you swipe your card for added security.
- Members can instantly send money for free to friends and family with Current Pay.
- Current lets you add cash to your account at over 60,000 stores just by having a cashier scan a barcode.
our choice
our choice
- Users can get up to 1 in 100 odds of getting your purchase paid for by Yotta for free. Plus earn 10% tickets back on every purchase
- FDIC insured
- Earn 5% on extra bonus tickets for every paycheck
- Get paid two days early when users set up direct deposit on account
our choice
our choice
Activation Fee
$10
Maintenance Fee
$5.99 (billed annually)
Credit Check
No
Overdraft Available
No
Direct Deposit
Free
- Earn $200 when you spend $1000 in the first 60 days of account opening
- 10% cash back on purchases with Conscience Coalition partners
- Up to 5.00% APY interest on savings balance (83x the national average)1
- One out-of-network ATM reimbursement monthly
- Opt to plant a climate change-fighting tree with every purchase you make
- Exclusive, planet-friendly debit card made from recycled plastic
- Carbon offsets for all your gas purchases with Planet Protection
- $7.99 per month, or $5.99 per month with annual subscription
our choice
our choice
Activation Fee
See website for Details*
Maintenance Fee
See website for Details*
Credit Check
No
Overdraft Available
No
Direct Deposit
Free
- No-fee cash withdrawals at participating ACE Cash Express locations
- Get paid up to 2 days faster with Direct Deposit
- Unlock optional savings account
- Spend as usual! ACE Cash Express and Netspend donate to NBCF when you make purchases.
- Earn rewards when you activate special offers
our choice
our choice
- NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable’s Double Cash Bonus.
- Earn 1% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more!
- No credit check or US credit history required and no SSN required for non US citizens
- Open a restricted account before you step foot in the U.S or have a U.S address.
- Zero hidden fees—no annual fees, no additional ATM fees, no overdraft fees, no card replacement fees, and no minimum deposit.
- Premium benefits like extended warranty where Sable will double the warranty for eligible items purchased with your Sable card, and satisfaction guarantee where Sable will cover most purchases if you become dissatisfied with a new product within 60 days of purchase, and much more!
- Please see https://sablecard.com/tcs for terms and conditions.
our choice
our choice
Activation Fee
$10
Maintenance Fee
See terms
Credit Check
No
Overdraft Available
No
Direct Deposit
Free
- Earn $150 when you spend $1000 in the first 60 days of account opening
- Choose your own monthly fee, even if it’s zero
- Enable Plant Your Change and plant a tree with every purchase round-up (Optional)
- Get paid two days early
- Shop with a conscience with your Personal Sustainability Score
- Access 55,000+ free ATMs worldwide
- Get 3-5% cash back on purchases at Conscience Coalition partners [including TOMs, Warby Parker, Blue Apron, Cariuma, and more]
- Up to 3.00% APY interest on savings balance1
our choice
our choice
Activation Fee
See terms
Maintenance Fee
See terms
Credit Check
Yes
Overdraft Available
No
Direct Deposit
Free
- Grow Credit is committed to helping the over 100 million Americans who have no or bad credit
- 0% interest and completely free with no security deposit required for qualifying customers*
- Grow Credit allows customers to build credit by paying for their subscription services or cell phone bills; with time, customers build a strong repayment history and establish a better financial future
- Grow Credit is committed to helping people who have been underserved or ignored by financial institutions
- By using Grow Credit, customers are empowered to build a strong future for themselves and their families
- Customers link their Grow MasterCard monthly subscriptions to the card and the amount is automatically deducted from their bank accounts every month and then reported to all three credit bureaus
- *Here is information about our underwriting criteria, which is determined by recent banking activity rather than credit scores.
our choice
our choice
- Money earned or given can be designated for saving, donating, investing or spending.
- Parents approve all money transactions and monitor all activity inside the app.
- The BusyKid Visa® Prepaid Spend Card empowers teens and kids to spend anywhere Visa® is accepted. Transfer funds to card immediately.
- With BusyPay, exclusive to BusyKid, users have an easy way for a grandparent, friend or neighbor to add money to a child BusyKid account.
- Each family subscription comes with up to 5 Spend Cards, access to BusyPay and all other features of the BusyKid app. No add-on costs.
our choice
our choice
- Raise financially smart kids.
- Send money instantly to your kids' accounts anytime, anywhere.
- Real-time transaction notifications.
- Store-specific spend controls and ATM parental controls.
- Track all historic activity in your kids’ Spend, Save and Give accounts.
- Switch the card on/off from the app.
our choice
our choice
Activation Fee
N/A
Maintenance Fee
Basic Account Free, Premium Account $4.99/mo
Credit Check
No
Overdraft Available
Yes
Direct Deposit
Up To Two Days Faster for Premium members
- Member funds are insured up to $250,000. Deposits are insured through Current's partner bank, Choice Financial Group, Member FDIC.
- Current offers accounts for everyone, including teens.
- Members receive instant spending notifications every time you swipe your card for added security.
- Members can instantly send money for free to friends and family with Current Pay.
- Current lets you add cash to your account at over 60,000 stores just by having a cashier scan a barcode.
our choice
our choice
- Users can get up to 1 in 100 odds of getting your purchase paid for by Yotta for free. Plus earn 10% tickets back on every purchase
- FDIC insured
- Earn 5% on extra bonus tickets for every paycheck
- Get paid two days early when users set up direct deposit on account
our choice
our choice
Activation Fee
$10
Maintenance Fee
$5.99 (billed annually)
Credit Check
No
Overdraft Available
No
Direct Deposit
Free
- Earn $200 when you spend $1000 in the first 60 days of account opening
- 10% cash back on purchases with Conscience Coalition partners
- Up to 5.00% APY interest on savings balance (83x the national average)1
- One out-of-network ATM reimbursement monthly
- Opt to plant a climate change-fighting tree with every purchase you make
- Exclusive, planet-friendly debit card made from recycled plastic
- Carbon offsets for all your gas purchases with Planet Protection
- $7.99 per month, or $5.99 per month with annual subscription
our choice
our choice
- NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable’s Double Cash Bonus.
- Earn 1% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more!
- No credit check or US credit history required and no SSN required for non US citizens
- Open a restricted account before you step foot in the U.S or have a U.S address.
- Zero hidden fees—no annual fees, no additional ATM fees, no overdraft fees, no card replacement fees, and no minimum deposit.
- Premium benefits like extended warranty where Sable will double the warranty for eligible items purchased with your Sable card, and satisfaction guarantee where Sable will cover most purchases if you become dissatisfied with a new product within 60 days of purchase, and much more!
- Please see https://sablecard.com/tcs for terms and conditions.
our choice
our choice
Activation Fee
See terms
Maintenance Fee
See terms
Credit Check
Yes
Overdraft Available
No
Direct Deposit
Free
- Grow Credit is committed to helping the over 100 million Americans who have no or bad credit
- 0% interest and completely free with no security deposit required for qualifying customers*
- Grow Credit allows customers to build credit by paying for their subscription services or cell phone bills; with time, customers build a strong repayment history and establish a better financial future
- Grow Credit is committed to helping people who have been underserved or ignored by financial institutions
- By using Grow Credit, customers are empowered to build a strong future for themselves and their families
- Customers link their Grow MasterCard monthly subscriptions to the card and the amount is automatically deducted from their bank accounts every month and then reported to all three credit bureaus
- *Here is information about our underwriting criteria, which is determined by recent banking activity rather than credit scores.
our choice
our choice
Activation Fee
$10
Maintenance Fee
See terms
Credit Check
No
Overdraft Available
No
Direct Deposit
Free
- Earn $150 when you spend $1000 in the first 60 days of account opening
- Choose your own monthly fee, even if it’s zero
- Enable Plant Your Change and plant a tree with every purchase round-up (Optional)
- Get paid two days early
- Shop with a conscience with your Personal Sustainability Score
- Access 55,000+ free ATMs worldwide
- Get 3-5% cash back on purchases at Conscience Coalition partners [including TOMs, Warby Parker, Blue Apron, Cariuma, and more]
- Up to 3.00% APY interest on savings balance1
our choice
our choice
Activation Fee
N/A
Maintenance Fee
Basic Account Free, Premium Account $4.99/mo
Credit Check
No
Overdraft Available
Yes
Direct Deposit
Up To Two Days Faster for Premium members
- Member funds are insured up to $250,000. Deposits are insured through Current's partner bank, Choice Financial Group, Member FDIC.
- Current offers accounts for everyone, including teens.
- Members receive instant spending notifications every time you swipe your card for added security.
- Members can instantly send money for free to friends and family with Current Pay.
- Current lets you add cash to your account at over 60,000 stores just by having a cashier scan a barcode.
our choice
our choice
Activation Fee
See website for Details*
Maintenance Fee
See website for Details*
Credit Check
No
Overdraft Available
No
Direct Deposit
Free
- No-fee cash withdrawals at participating ACE Cash Express locations
- Get paid up to 2 days faster with Direct Deposit
- Unlock optional savings account
- Spend as usual! ACE Cash Express and Netspend donate to NBCF when you make purchases.
- Earn rewards when you activate special offers
our choice
our choice
- Money earned or given can be designated for saving, donating, investing or spending.
- Parents approve all money transactions and monitor all activity inside the app.
- The BusyKid Visa® Prepaid Spend Card empowers teens and kids to spend anywhere Visa® is accepted. Transfer funds to card immediately.
- With BusyPay, exclusive to BusyKid, users have an easy way for a grandparent, friend or neighbor to add money to a child BusyKid account.
- Each family subscription comes with up to 5 Spend Cards, access to BusyPay and all other features of the BusyKid app. No add-on costs.
our choice
our choice
- NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable’s Double Cash Bonus.
- Earn 1% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more!
- No credit check or US credit history required and no SSN required for non US citizens
- Open a restricted account before you step foot in the U.S or have a U.S address.
- Zero hidden fees—no annual fees, no additional ATM fees, no overdraft fees, no card replacement fees, and no minimum deposit.
- Premium benefits like extended warranty where Sable will double the warranty for eligible items purchased with your Sable card, and satisfaction guarantee where Sable will cover most purchases if you become dissatisfied with a new product within 60 days of purchase, and much more!
- Please see https://sablecard.com/tcs for terms and conditions.
our choice
our choice
- Users can get up to 1 in 100 odds of getting your purchase paid for by Yotta for free. Plus earn 10% tickets back on every purchase
- FDIC insured
- Earn 5% on extra bonus tickets for every paycheck
- Get paid two days early when users set up direct deposit on account
our choice
our choice
Activation Fee
$10
Maintenance Fee
$5.99 (billed annually)
Credit Check
No
Overdraft Available
No
Direct Deposit
Free
- Earn $200 when you spend $1000 in the first 60 days of account opening
- 10% cash back on purchases with Conscience Coalition partners
- Up to 5.00% APY interest on savings balance (83x the national average)1
- One out-of-network ATM reimbursement monthly
- Opt to plant a climate change-fighting tree with every purchase you make
- Exclusive, planet-friendly debit card made from recycled plastic
- Carbon offsets for all your gas purchases with Planet Protection
- $7.99 per month, or $5.99 per month with annual subscription
our choice
our choice
Activation Fee
See terms
Maintenance Fee
See terms
Credit Check
Yes
Overdraft Available
No
Direct Deposit
Free
- Grow Credit is committed to helping the over 100 million Americans who have no or bad credit
- 0% interest and completely free with no security deposit required for qualifying customers*
- Grow Credit allows customers to build credit by paying for their subscription services or cell phone bills; with time, customers build a strong repayment history and establish a better financial future
- Grow Credit is committed to helping people who have been underserved or ignored by financial institutions
- By using Grow Credit, customers are empowered to build a strong future for themselves and their families
- Customers link their Grow MasterCard monthly subscriptions to the card and the amount is automatically deducted from their bank accounts every month and then reported to all three credit bureaus
- *Here is information about our underwriting criteria, which is determined by recent banking activity rather than credit scores.
our choice
our choice
- Raise financially smart kids.
- Send money instantly to your kids' accounts anytime, anywhere.
- Real-time transaction notifications.
- Store-specific spend controls and ATM parental controls.
- Track all historic activity in your kids’ Spend, Save and Give accounts.
- Switch the card on/off from the app.
our choice
our choice
Activation Fee
$10
Maintenance Fee
See terms
Credit Check
No
Overdraft Available
No
Direct Deposit
Free
- Earn $150 when you spend $1000 in the first 60 days of account opening
- Choose your own monthly fee, even if it’s zero
- Enable Plant Your Change and plant a tree with every purchase round-up (Optional)
- Get paid two days early
- Shop with a conscience with your Personal Sustainability Score
- Access 55,000+ free ATMs worldwide
- Get 3-5% cash back on purchases at Conscience Coalition partners [including TOMs, Warby Parker, Blue Apron, Cariuma, and more]
- Up to 3.00% APY interest on savings balance1
our choice
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.
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 moreHow 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 moreWhat are Prepaid Credit cards?
For consumers who would like to own a credit card yet want take complete control of their financial expenses can opt for a Prepaid Credit card. Here one can have the place in the account and then use it when required,...
Read more
commentsABOUT
BEST PREPAID DEBIT CARDS
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