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Credit Cards»Prepaid and Debit Cards

Prepaid and Debit Cards

What are prepaid cards?

Prepaid debit cards offer a way to purchase goods without a line of credit or a credit check. Once you make a deposit into an account, you can use the card to shop in the same places credit cards are accepted. There's no need to worry about debt -- spending is limited to the amount of money deposited on the card.

Who should get one?

Do you have limited credit and want a viable alternative to credit cards? Prepaid cards and debit cards from our partners allow cashless shopping without a credit check. With these cards, you only spend the money that you deposit, giving you the ability to track your expenses and to easily limit your spending.

Prepaid debit cards are ideal for individuals with little to no credit history who would like an alternative to cash, checks and credit cards. They are also beneficial to individuals who would like to easily track their spending or avoid going into credit card debt.

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What are some pros and cons?

Don't fret about your credit score. There's no credit check necessary in order to apply for one of these cards. And because you're limited to spending your deposit amount, it's easy to stay on budget, making these cards advantageous for individuals who would like to cut back on expenditures. However, many cards have fees attached to them and limitations on transactions. And prepaid cards won't help build your credit as they do not report to the credit agencies.

Tips on prepaid and debit cards

Make sure to read the fine print before you apply for a prepaid debit card. Some of these cards have activation fees and monthly maintenance charges, which can eat into your spending cash. It's important to keep fees as low as possible. Compare cards thoroughly and shop for a card with no costs.

Browse our list of the best prepaid credit cards today.

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  • AccountNow® Gold Visa® Prepaid Card
    • 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.
    • 100% Approval* - upon successful ID verification. No credit check∞. 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.
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    up to $9.95 monthly fee
    No Credit Check
  • AccountNow® Prepaid MasterCard®
    • $0 monthly fee†
    • No credit check∞ or ChexSystems check
    • Instant account number
    • Free† direct deposit — paycheck, benefit checks, tax refund checks
    • Easy 24/7 online account access
    • Earn Refer-a-Friend cash bonus
    • Use it everywhere Mastercard Debit card accepted
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    up to $9.95 monthly fee
    No Credit Check
  • READYdebit® Visa Prepaid Card
    • Instant account number - a great card for your money.
    • Free† direct deposit — paycheck, benefit checks, tax refund checks
    • Easy online bill payment & mobile account access
    • No purchase transaction fees
    • No risk of overdraft fees or balance minimums
    • Withdraw cash at ATMs or get cash back with purchases
    • Use it everywhere visa debit cards are accepted
    • Choose your card color - blue or pink
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    $9.95 monthly fee
    No Credit Check
  • NetSpend® Visa® Prepaid Card
    • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
    • 100% Approval - No credit check needed (ID verification required).
    • No credit card debt or late fees, because it is not a credit card
    • Earn cash back with NetSpend Payback Rewards
    • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
    • Funds are FDIC insured up to the current coverage limit (ID verification required).
    • Card issued by MetaBank®, Member FDIC.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    $9.95 monthly fee
    No Credit Check
  • Kaiku® Visa® Prepaid Card
    • No fees when you direct deposit $750/mo and use in-network ATMs
    • Notifications & mobile quicklook to monitor spending and alert you of fraud
    • Ingo mobile check loading with the Kaiku mobile app
    • 6 eye-catching colors to reflect your style
    • Use everywhere Visa debit cards are accepted (Kaiku is Visa clear prepaid designated)
    • No cost to apply and no minimum balance
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    $0
    No Credit Check
  • Brink's Money Prepaid MasterCard®
    • Trust Brink's with your money. Securing cash and valuables since 1859.
    • Get paid up to 2 days faster with Direct Deposit.
    • Access your money whenever, wherever you are. Use your mobile phone and online Account Center to check your balance, send money, find reload/ATM locations and much more.
    • Let alerts help you stay connected to your money. Know when your card is used, direct deposit arrives, transaction details and your available balance.
    • Shop securely Online with a Virtual Account so you don't have to use your card number.
    • Add extra protection for shopping in stores by putting your photo on your card.
    • Earn Cash Back via the PayBack Rewards program from restaurants, shops and more.
    • $10 Purchase Cushion When You're A Little Short.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    Variable Monthly Fees
    No Credit Check
  • READYdebit® Visa Latte Control Prepaid Card
    • $0 monthly fee†
    • No credit check∞ or ChexSystems checks
    • No risk of overdraft fees
    • No bounced checks - ever!
    • Free† direct deposit
    • Easy cash reloading at 50,000 + retail locations
    • Send checks with easy online bill pay
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    $0
    No Credit Check
  • Western Union® NetSpend® Prepaid MasterCard®
    • Get the power of a NetSpend prepaid card with Western Union® worldwide money transfer.
    • Free direct deposit to help you get your paychecks and government payments up to 2 days faster!*
    • Send WU® money transfers to nearly 500,000 agent locations in over 200 countries and territories on your mobile phone or from the comfort of home.
    • Receive WU® money transfer funds directly onto your card in the online account center.
    • Add cash at over 130,000 reload locations including Western Union®, CVS/pharmacy®, Family Dollar® and participating 7-ELEVEN® locations.
    • Plus: No credit check, late fees, or interest payments because this is not a credit card.
    • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    $0
    No Credit Check
  • AchieveCard Visa® Prepaid Card
    • Get paid faster than a paper check
    • Quick and easy sign up
    • No minimum balance
    • Online banking and SMS alerts
    • Shop online, pay bills, and make everyday purchases
    • Send paper checks with Online Bill Pay - we print & mail them for free!
    • Exclusive AchieveRewards Loyalty Program
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    $0
    No Credit Check
  • READYdebit® Visa Mint Control Prepaid Card
    • $0 monthly fee†
    • Free† direct deposit
    • No credit check∞ or ChexSystems checks
    • No risk of overdraft fees
    • No bounced checks - ever!
    • Easy cash reloading at 50,000 + retail locations
    • Send checks with easy online bill pay
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
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    $0
    No Credit Check
  • Gold NetSpend® Visa® Prepaid Card
    • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
    • Guaranteed Approval* - No credit check needed (ID verification required).
    • Sign up for NetSpend Payback Rewards and earn cash back.
    • No late fees or credit card debt because this is not a credit card.
    • Use the Mobile App to manage your account on the go and get real time text message alerts (Message & data rates may apply).
    • Customize your card to add a personal touch or an extra layer of security.*
    • Funds are FDIC insured up to the current coverage limit (ID verification required).
    • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    $0
    No Credit Check
  • AccountNow® Prepaid Visa® Card
    • 100% Approval* (subject to I.D. Verification)
    • $0 monthly fee†
    • No minimum balance
    • No credit check∞. No risk of overdraft fee.
    • Free† direct deposit and online bill payment
    • Use it everywhere Visa debit card accepted
    • Easy online/mobile account access
    • Perfect for occasional usage
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    $0
    No Credit Check
  • Pink NetSpend® Visa® Prepaid Card
    • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
    • No credit check needed - 100% Approval* (ID verification required).
    • No credit card debt or late fees because this is not a credit card.
    • Earn cash back for using your card with the NetSpend Payback Rewards program.
    • Get real time activity alerts to your mobile phone or use the Mobile App to manage your account while you're on the go (Message & data rates may apply).
    • Earn up to $20 for every friend you refer.
    • Funds are FDIC insured up to the current coverage limit (ID verification required).
    • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
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    Intro APR
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    $0
    No Credit Check
  • PayPal™ Prepaid MasterCard®
    • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
    • Use free direct deposit and get your paychecks faster
    • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
    • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
    • Earn Cash back rewards from specially selected stores, restaurants and more
    • No credit check, overdraft fees or interest charges
    • Safer than carrying cash - use it to pay for everyday purchases
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    $4.95 monthly
    No Credit Check
  • Blue NetSpend® Visa® Prepaid Card
    • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit.
    • Guaranteed Approval* - No credit check needed (ID verification required).
    • Sign up for NetSpend Payback Rewards and earn cash back.
    • No late fees or credit card debt because this is not a credit card.
    • Use the Mobile App to manage your account on the go and get real time text message alerts (Message & data rates may apply).
    • Customize your card to add a personal touch or an extra layer of security.*
    • Funds are FDIC insured up to the current coverage limit (ID verification required).
    • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR
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    $0
    No Credit Check
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* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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