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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.
January 2023: 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 January 2023
- Visa Prepaid Cards
- Mastercard Prepaid Cards
- Cards for Kids
our choice
- Get $10 bonus when you sign up for Revolut!
- Earn cashback and discounts from top brands with Rewards
- Spend in over 140 currencies at the market exchange rate
- Exchange in 30+ fiat currencies up to $1000 per month with no hidden fees
- No cost out-of-network ATM withdrawals up to $1,200 per month (third party fees may apply)
- 100% fee-free ATM withdrawals at more than 55,000 ATMs in our network
- Trade Crypto commission free up to $200,000 per month233,234
- 10 zero fee international transfers per month to any bank account
- Please note that Revolut is frequently updating its products and features, see the Revolut Terms and Conditions for the latest offerings.
our choice
our choice
Activation Fee
$0
Maintenance Fee
$0 with eligible direct deposit
Credit Check
No
Overdraft Available
Yes
Direct Deposit
Free
- The reloadable debit card account that earns you cash back & more.
- Earn cash back rewards by shopping at Walmart.
- Walmart MoneyCard: Now with overdraft protection up to $200 with opt-in & eligible direct deposit.
- Earn 3% cash back at Walmart.com, 2% for fuel stations and 1% in-store.
- Get your pay up to 2 days wuth Early Direct Deposit.
- Unlock overdraft protection up to $200 - just opt in with eligible direct deposit.
- Fees, terms and conditions apply. Learn more at www.walmartmoneycard.com.
our choice
our choice
Activation Fee
$0
Maintenance Fee
No monthly fees with eligible direct deposit, otherwise $5 per month
Credit Check
No
Overdraft Available
Yes
Direct Deposit
Free
- The Ultimate Mobile Bank Account.
- Get your government benefits up to 4 days early. Plus, direct deposit unlocks exclusive perks!
- Get your pay up to 2 days early with eligible direct deposit.
- No monthly fees with eligible direct deposit, otherwise $5 per month.
- No hidden fees.
- No minimum balance to open an account online.
- Fees, terms and conditions apply. Learn more at www.go2bank.com.
our choice
our choice
- The first debit card made just for taking care of your loved ones.
- Use your dedicated Givers debit card to easily separate caregiving expenses from everyday expenses. No more need for messy receipts or spreadsheets.
- Get savings on autopilot.
- No upfront cost, no hidden fees, savings guarantee.
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
$0
Maintenance Fee
See terms
Credit Check
No
Overdraft Available
Yes
Direct Deposit
Free
- Extra is the first debit card that helps you build your credit and earns reward points.**
- Earn up to 1% back in redeemable reward points with every purchase and spend your points on everything from Apple Airpods to Beauty products in the legendary Extra Rewards store.
- Extra is compatible with over 10,000+ banks*** across the United States—keep your money where you want, while spending smarter with Extra.
- No Credit Checks.
- No Deposit Required.
- No interest charges or surprises.
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 50% tickets back on every purchase
- FDIC insured
- Get paid two days early when users set up direct deposit on account
- Save with 2.70% average APY
our choice
our choice
Activation Fee
See terms
Maintenance Fee
$9.99 or $19.99227
Credit Check
No
Overdraft Available
Yes
Direct Deposit
Free
- B9 Visa® Debit Card- the ONLY debit card with up to 5% cashback in available categories.
- Cashback is accumulated when using the B9 debit card for selected categories.
- Selected categories will each have their own cashback percentage and will change monthly to reflect the highest-yielding cashback option for our members that month!
- Deposit funds from your paycheck to your B9 account and get early access up to 100% of your earnings for the last 15 days.226
- No-Fee Instant B9 Advances (up to 100%).
- No-Fee ACH Transfers.
- No-Fee Instant Transfers to B9 Members.
- Credit Report, Credit Score, Credit Score Simulator.
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
See terms
Maintenance Fee
$4.99
Credit Check
No
Overdraft Available
No
Direct Deposit
Free
- Get the debit card & app that helps kids learn about budgeting.
- A debit card to support kids' financial independence.
- Choose from 45+ debit card designs & customize your card, too.
- Zero Liability Protection by Mastercard®.
- Real-time spending notifications.
- GoHenry blocks unsafe spending categories.
- Easily block and unblock cards.
- FDIC-insured accounts up to $250,000.
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
- The first debit card made just for taking care of your loved ones.
- Use your dedicated Givers debit card to easily separate caregiving expenses from everyday expenses. No more need for messy receipts or spreadsheets.
- Get savings on autopilot.
- No upfront cost, no hidden fees, savings guarantee.
our choice
our choice
- Get $10 bonus when you sign up for Revolut!
- Earn cashback and discounts from top brands with Rewards
- Spend in over 140 currencies at the market exchange rate
- Exchange in 30+ fiat currencies up to $1000 per month with no hidden fees
- No cost out-of-network ATM withdrawals up to $1,200 per month (third party fees may apply)
- 100% fee-free ATM withdrawals at more than 55,000 ATMs in our network
- Trade Crypto commission free up to $200,000 per month233,234
- 10 zero fee international transfers per month to any bank account
- Please note that Revolut is frequently updating its products and features, see the Revolut Terms and Conditions for the latest offerings.
our choice
our choice
Activation Fee
$0
Maintenance Fee
No monthly fees with eligible direct deposit, otherwise $5 per month
Credit Check
No
Overdraft Available
Yes
Direct Deposit
Free
- The Ultimate Mobile Bank Account.
- Get your government benefits up to 4 days early. Plus, direct deposit unlocks exclusive perks!
- Get your pay up to 2 days early with eligible direct deposit.
- No monthly fees with eligible direct deposit, otherwise $5 per month.
- No hidden fees.
- No minimum balance to open an account online.
- Fees, terms and conditions apply. Learn more at www.go2bank.com.
our choice
our choice
Activation Fee
See terms
Maintenance Fee
$9.99 or $19.99227
Credit Check
No
Overdraft Available
Yes
Direct Deposit
Free
- B9 Visa® Debit Card- the ONLY debit card with up to 5% cashback in available categories.
- Cashback is accumulated when using the B9 debit card for selected categories.
- Selected categories will each have their own cashback percentage and will change monthly to reflect the highest-yielding cashback option for our members that month!
- Deposit funds from your paycheck to your B9 account and get early access up to 100% of your earnings for the last 15 days.226
- No-Fee Instant B9 Advances (up to 100%).
- No-Fee ACH Transfers.
- No-Fee Instant Transfers to B9 Members.
- Credit Report, Credit Score, Credit Score Simulator.
our choice
our choice
Activation Fee
$0
Maintenance Fee
See terms
Credit Check
No
Overdraft Available
Yes
Direct Deposit
Free
- Extra is the first debit card that helps you build your credit and earns reward points.**
- Earn up to 1% back in redeemable reward points with every purchase and spend your points on everything from Apple Airpods to Beauty products in the legendary Extra Rewards store.
- Extra is compatible with over 10,000+ banks*** across the United States—keep your money where you want, while spending smarter with Extra.
- No Credit Checks.
- No Deposit Required.
- No interest charges or surprises.
our choice
our choice
Activation Fee
$0
Maintenance Fee
$0 with eligible direct deposit
Credit Check
No
Overdraft Available
Yes
Direct Deposit
Free
- The reloadable debit card account that earns you cash back & more.
- Earn cash back rewards by shopping at Walmart.
- Walmart MoneyCard: Now with overdraft protection up to $200 with opt-in & eligible direct deposit.
- Earn 3% cash back at Walmart.com, 2% for fuel stations and 1% in-store.
- Get your pay up to 2 days wuth Early Direct Deposit.
- Unlock overdraft protection up to $200 - just opt in with eligible direct deposit.
- Fees, terms and conditions apply. Learn more at www.walmartmoneycard.com.
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 50% tickets back on every purchase
- FDIC insured
- Get paid two days early when users set up direct deposit on account
- Save with 2.70% average APY
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
See terms
Maintenance Fee
$4.99
Credit Check
No
Overdraft Available
No
Direct Deposit
Free
- Get the debit card & app that helps kids learn about budgeting.
- A debit card to support kids' financial independence.
- Choose from 45+ debit card designs & customize your card, too.
- Zero Liability Protection by Mastercard®.
- Real-time spending notifications.
- GoHenry blocks unsafe spending categories.
- Easily block and unblock cards.
- FDIC-insured accounts up to $250,000.
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
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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