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
    • Get your tax payout sooner by e-filing and loading your payout onto your 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.*
    • Enroll in Direct Deposit and get your pay up to two days early.* 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.
    • 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.
    • Click on "Apply Now" to learn more about Midnight Prepaid Visa RushCard.*
    • Show More
      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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    Gloss Prepaid Visa® RushCard
    • Get your tax payout sooner by e-filing and loading your payout onto your 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.* 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.
    • Real time activity alerts sent to your mobile phone via text or email.* 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.* See card site for details.
    • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
    • Click on "Apply Now" to learn more about Gloss Prepaid Visa RushCard.*
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    N/A
    Variable Monthly Fees
    No Credit Needed
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    Sequin KLS Prepaid Visa® RushCard
    • Get your tax payout sooner by e-filing and loading your payout onto your Prepaid Visa RushCard.
    • Get your government benefits up to two days early with Direct Deposit.* Certain restrictions apply. See card site for details.
    • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
    • 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.* See card site for details.
    • 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.
    • Click on "Apply Now" to learn more about Sequin Prepaid Visa RushCard.*
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
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    Intro APR Period
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    Variable Monthly Fees
    No Credit Needed
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    Pink ACE Elite™ Visa® Prepaid Card
    • Need your money now? Get paid up to 2 days earlier with Direct Deposit.3
    • Helping Women Now - official sponsor of the National Breast Cancer Foundation (NBCF).
    • Since 2006, purchases made with the Pink ACE Elite Card have contributed over $3 million towards NBCF's early detection and support services.2
    • Manage your money on the move - ACE Elite mobile app available on Google Play and Apple App Store.4
    • Transfer funds to other ACE Elite Prepaid Cardholders for no fee.5
    • Earn up to 5.00% annual percentage yield on balances up to $1,000.00 with our optional savings account.7
    • Get Payback RewardsSM for using your card on some of your everyday purchases.6
    • Enjoy ACE Cash Express customer service at over 1,000 locations nationwide.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    N/A
    Intro APR
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    Intro APR Period
    N/A
    Variable Monthly Fees
    No Credit Check
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    Pink NetSpend® Visa® Prepaid Card
    • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
    • 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).
    • Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply.
    • *Card issued by MetaBank®, Member FDIC. "Apply Now" for full details.
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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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    N/A
    Variable Monthly Fee
    No Credit Check
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    CityScape ACE Elite™ Visa® Prepaid Debit Card
    • Need your money now? Get paid up to 2 days earlier with Direct Deposit.2
    • With qualifying Direct Deposit, make no-fee cash withdrawals up to $300 a day at ACE locations.6
    • Manage your money on the move - ACE Elite mobile app available on Google Play and Apple App Store.5
    • Transfer funds to other ACE Elite Cardholders for no fee.10
    • Earn up to 5.00% annual percentage yield on balances up to $1,000.00 with our optional savings account.9
    • Get Payback RewardsSM for using your card on some of your everyday purchases.8
    • Enjoy ACE Cash Express customer service at over 1,000 locations nationwide.
    • 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
    N/A
    Intro APR Period
    N/A
    Variable Monthly Fees
    No Credit Check
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    Western Union® NetSpend® Prepaid MasterCard®
    • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
    • Send WU® money transfers in minutes, shop online or pay bills.
    • Receive WU® money transfer funds directly onto your card in the online account center.
    • Plus: No credit check, late fees, or interest payments because this is not a credit card.
    • Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply
    • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more.
    • 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
    N/A
    Intro APR
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    N/A
    Up-to $9.95 monthly*
    No Credit Check
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    Brink's Prepaid MasterCard®
    • Trust Brink's with your money. Securing cash and valuables since 1859.
    • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
    • Earn Cash Back via the PayBack Rewards program from restaurants, shops and more.
    • Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply
    • Show More
      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 Check
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    PayPal Prepaid MasterCard®
    • Transfer money instantly from your PayPal Account to your PayPal Prepaid MasterCard
    • Keep more of your money with no late fees or overdraft charges
    • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
    • Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
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    Intro APR
    N/A
    Intro APR Period
    N/A
    $4.95 monthly
    No Credit Check
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    Western Union® NetSpend® Prepaid MasterCard®
    • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
    • Send WU® money transfers in minutes, shop online or pay bills.
    • Receive WU® money transfer funds directly onto your card in the online account center.
    • Plus: No credit check, late fees, or interest payments because this is not a credit card.
    • Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply
    • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more.
    • 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
    Up-to $9.95 monthly*
    No Credit Check
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    Purple ACE Elite™ Visa® Prepaid Debit Card
    • Need your money now? Get paid up to 2 days earlier with Direct Deposit.2
    • With qualifying Direct Deposit, make no-fee cash withdrawals up to $300 a day at ACE locations.6
    • Manage your money on the move - ACE Elite mobile app available on Google Play and Apple App Store.5
    • Transfer funds to other ACE Elite Cardholders for no fee.10
    • Earn up to 5.00% annual percentage yield on balances up to $1,000.00 with our optional savings account.9
    • Get Payback RewardsSM for using your card on some of your everyday purchases.8
    • Enjoy ACE Cash Express customer service at over 1,000 locations nationwide.
    • 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 Check
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    ACE Elite™ Blue Visa® Prepaid Debit Card
    • Need your money now? Get paid up to 2 days earlier with Direct Deposit.2
    • With qualifying Direct Deposit, make no-fee cash withdrawals up to $300 a day at ACE locations.6
    • Manage your money on the move - ACE Elite mobile app available on Google Play and Apple App Store.5
    • Transfer funds to other ACE Elite Cardholders for no fee.10
    • Earn up to 5.00% annual percentage yield on balances up to $1,000.00 with our optional savings account.9
    • Get Payback RewardsSM for using your card on some of your everyday purchases.8
    • Enjoy ACE Cash Express customer service at over 1,000 locations nationwide.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    N/A
    Intro APR
    N/A
    Intro APR Period
    0% (Fixed)
    Variable Monthly Fees
    No Credit Check
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    Control Prepaid MasterCard®
    • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
    • No Late Fees because this is not a credit card.
    • 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 and to learn more.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
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    Intro APR
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    Up-to $7.95 monthly*
    No Credit Check
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    Blue NetSpend® Visa® Prepaid Card
    • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
    • 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).
    • Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply.
    • *Card issued by MetaBank®, Member FDIC. "Apply Now" for full details.
    • 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 Fee
    No Credit Check
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    24k Prepaid Visa® RushCard
    • Get your tax payout sooner by e-filing and loading your payout onto your Prepaid Visa RushCard.
    • 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.
    • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
    • Approval upon successful ID verification.* No credit check* or minimum balance required.
    • 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.
    • Click on "Apply Now" to learn more about 24k Prepaid Visa RushCard.*
    • 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
    N/A
    Intro APR
    N/A
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    N/A
    Variable Monthly Fees
    No Credit Needed
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    Bronze ACE Elite™ Visa® Prepaid Debit Card
    • Need your money now? Get paid up to 2 days earlier with Direct Deposit.2
    • With qualifying Direct Deposit, make no-fee cash withdrawals up to $300 a day at ACE locations.6
    • Manage your money on the move - ACE Elite mobile app available on Google Play and Apple App Store.5
    • Transfer funds to other ACE Elite Cardholders for no fee.10
    • Earn up to 5.00% annual percentage yield on balances up to $1,000.00 with our optional savings account.9
    • Get Payback RewardsSM for using your card on some of your everyday purchases.8
    • Enjoy ACE Cash Express customer service at over 1,000 locations nationwide.
    • 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 Check
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    NetSpend® Visa® Prepaid Card
    • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
    • 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).
    • Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply.
    • *Card issued by MetaBank®, Member FDIC. "Apply Now" for full details.
    • 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
    Up-to $9.95 monthly*
    No Credit Check
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    Carbon Prepaid Visa® RushCard
    • Get your tax payout sooner by e-filing and loading your payout onto your Prepaid Visa RushCard.
    • Get your government benefits up to two days early with Direct Deposit.* Certain restrictions apply. See card site for details.
    • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
    • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.*
    • 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.
    • Click on "Apply Now" to learn more about Carbon Prepaid Visa RushCard.*
    • 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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    GoBank® Checking Account
    • Sign up for a GoBank Checking Account in minutes!
    • Early Direct Deposit — Get paid up to 2 days early with payroll direct deposit! (Subject to your employer's policy.)
    • No overdraft fees, penalty fees or ongoing minimum balance requirements, ever!
    • Access to over 42,000 fee-free ATMs (That's way more free ATMs than Bank of America and Chase)
    • Pay bills and quickly send money to friends and family.
    • Deposit checks using mobile check deposit & paper checks available.
    • Deposit cash for free exclusively at any participating Walmart® register in the U.S. Deposit cash for up to $4.95 at participating locations nationwide like 7-Eleven®, CVS/pharmacy®, and more.
    • Click Apply Now for more info about GoBank's simple fees.
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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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    See Terms
    See Terms
    N/A
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    READYdebit® Visa Latte Control Prepaid Card
    • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
    • 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 Period
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    Intro APR
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    N/A
    $0
    No Credit Check
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    Univision MasterCard® Prepaid Card
    • Get your paycheck fast with free* direct deposit
    • No credit check, late fees, or interest payments because this is not a credit card.
    • No fee cash withdrawals at over 55,000 Allpoint locations. A $1.95 withdrawal fee and ATM provider fees may apply for out-of-network ATM's.
    • Receive 24/7 bilingual customer support.
    • Make payments easy...accepted anywhere Debit MasterCard is accepted worldwide!
    • Protect your money...if your Card is lost or stolen, we'll replace it.*
    • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more.
    • 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
    Up-to $9.95 monthly*
    No Credit Check
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    Brink's Money Prepaid MasterCard®
    • Trust Brink's with your money. Securing cash and valuables since 1859.
    • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
    • Earn Cash Back via the PayBack Rewards program from restaurants, shops and more.
    • Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply
    • 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 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
    • 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
    $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
    • 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
    N/A
    Intro APR
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    N/A
    $0 (Monthly Fee Applies)
    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.