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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    Midnight Prepaid Visa® RushCard
    • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.2
    • Enroll in Direct Deposit and get your pay up to two days early.2 Certain restrictions apply. See card site for details.
    • 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.
    • Stay connected — keep track of your money on your mobile phone with the free RushCard app.
    • 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 FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
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    Variable Monthly Fees
    No Credit Needed
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    Sequin KLS Prepaid Visa® RushCard
    • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
    • Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
    • 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.7 See card site for details.
    • Check your balance, view transactions, and even transfer money with the RushCard mobile app.
    • Conveniently send money to friends and family who have a RushCard with a card to card transfer.
    • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    Variable Monthly Fees
    No Credit Needed
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    Suede KLS Prepaid Visa® RushCard
    • Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
    • Check your balance, view transactions, and even transfer money with the RushCard mobile app.
    • Shop online and in stores - everywhere Visa debit cards are accepted.
    • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
    • Conveniently send money to friends and family who have a RushCard with a card to card transfer.
    • Approval upon successful ID verification.1 No credit check9 or minimum balance required.
    • Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Variable Monthly Fees
    No Credit Needed
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    American Express Serve®
    • Your Full Service Prepaid Debit Card. (American Express Serve is not a credit card.)
    • No credit check. No minimum balance. No hidden fees.
    • Free Direct Deposit gets you access to your money up to 2 days faster.
    • Free ATM withdrawals at over 24,000 ATMs nationwide.
    • Free Online Bill Pay and money management tools.
    • Enjoy American Express service and security 24/7. Shop online and off and enjoy Card Membership benefits like Purchase Protection.*
    • *Underwritten by AMEX Assurance Company. Subject to additional terms, conditions, and exclusions.
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      Terms and Restrictions Apply
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    N/A
    Intro APR
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    $1 Monthly Fee (no fee NY, TX & VT)*
    No Credit Check
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    American Express Serve® Cash Back
    • Your Full Service Prepaid Debit Account with 1% Cash Back on purchases. (American Express Serve is not a credit card.)
    • No credit check. No minimum balance. No hidden fees.
    • Earn 1% Cash Back added to your Account when you spend, for use on future purchases.
    • Free Direct Deposit gets you access to your money up to 2 days faster.
    • Free ATM withdrawals at over 24,000 ATMs nationwide.
    • Enjoy American Express service and security 24/7. Shop online and off and enjoy Card Membership benefits like Purchase Protection*.
    • *Underwritten by AMEX Assurance Company. Subject to additional terms, conditions, and exclusions.
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    $5.95 Monthly Fee (No fee in TX, NY, VT)
    No Credit Check
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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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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    up to $9.95 monthly fee
    No Credit Check
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    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
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    $9.95 monthly fee
    No Credit Check
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    24k Prepaid Visa® RushCard
    • Enroll in Direct Deposit and get your pay up to two days early.2 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.
    • Transfer money to another RushCard member for just $0.99 per transaction.
    • Approval upon successful ID verification.1 No credit check9 or minimum balance required.
    • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
    • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
    • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR Period
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    Intro APR
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    N/A
    Variable Monthly Fees
    No Credit Needed
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    Edge Prepaid Visa® RushCard
    • Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
    • Approval upon successful ID verification.1 No credit check9 or minimum balance required.
    • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
    • Stay connected — keep track of your money on your mobile phone with the free RushCard app
    • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
    • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.7 See card site for details.
    • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
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    N/A
    Variable Monthly Fees
    No Credit Needed
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    Gloss Prepaid Visa® RushCard
    • 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.2 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.7 See card site for details.
    • Real time activity alerts sent to your mobile phone via text or email.3 Standard text message and data rates, fees, and charges may apply.
    • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
    • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
    • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Variable Monthly Fees
    No Credit Needed
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    Carbon Prepaid Visa® RushCard
    • Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
    • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
    • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.2
    • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 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.
    • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR Period
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    Intro APR
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    N/A
    Variable Monthly Fees
    No Credit Needed
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    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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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
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    up to $9.95 monthly fee
    No Credit Check
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    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
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    $0
    No Credit Check
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    Dash Prepaid MasterCard® for Business
    • Send Funds to Employees in Real Time from your Mobile Phone
    • Set Spend Limits and Controls
    • Real-time Spend Alerts
    • Eliminate expense reports and paperwork by using automated expense tracking and receipt capture on Dash Mobile App
    • No Credit Check
    • No Monthly or Annual Fees
    • No Obligations
    • No Interest Charges
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
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    $0
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    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
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      Terms and Restrictions Apply
  • 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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    NASCAR® Reloadable Prepaid Visa® Card
    • Take your love for NASCAR everywhere you go, on and off the track with this exclusive NASCAR-themed card
    • 24,000 free MoneyPass® ATMs (At non-MoneyPass® ATMs, $2.50 for withdrawals, $0.50 for balance inquiries, plus ATM owner fees. Cash withdrawals only available with your personal card).
    • No overdraft fees - No credit card debt - No minimum balance
    • No credit check to get a card
    • Shop online, pay bills, and make everyday purchases within the U.S.
    • Send paper checks with Online Bill Pay - we print & mail them for free!
    • Issued by Green Dot Bank, Member FDIC
    • Click "Apply" to see Simple Fee Plan
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
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    $0 (Monthly Fee Applies)
    No Credit Check
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    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
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      Terms and Restrictions Apply
  • 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

* 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.