Credit Cards» Prepaid and Debit Cards

Prepaid and Debit Cards

  • What are prepaid cards?
  • Who should get one?
  • What are some pros and cons?
  • Tips on 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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Apply Now
CityScape ACE Elite™ Visa® Prepaid Debit Card
on Ace Cash Express's
secure website
  • Need your money now? Get paid up to 2 days earlier with Direct Deposit.
  • With qualifying Direct Deposit, make no-fee cash withdrawals up to $300 a day at ACE locations.
  • Manage your money on the move - ACE Elite mobile app available on Google Play and Apple App Store.
  • Transfer funds to other ACE Elite Cardholders for no fee.
  • Earn up to 5.00% annual percentage yield on balances up to $1,000.00 with our optional savings account.
  • Get Payback RewardsSM for using your card on some of your everyday purchases.
  • Enjoy ACE Cash Express customer service at over 1,000 locations nationwide.
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
logo
Apply Now
Purple ACE Elite™ Visa® Prepaid Debit Card
on Ace Cash Express's
secure website
  • Need your money now? Get paid up to 2 days earlier with Direct Deposit.
  • With qualifying Direct Deposit, make no-fee cash withdrawals up to $300 a day at ACE locations.
  • Manage your money on the move - ACE Elite mobile app available on Google Play and Apple App Store.
  • Transfer funds to other ACE Elite Cardholders for no fee.
  • Earn up to 5.00% annual percentage yield on balances up to $1,000.00 with our optional savings account.
  • Get Payback RewardsSM for using your card on some of your everyday purchases.
  • Enjoy ACE Cash Express customer service at over 1,000 locations nationwide.
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
logo
Apply Now
24k Prepaid Visa® RushCard
on RushCard's
secure website
  • 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.*
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
logo
Apply Now
Pink ACE Elite™ Visa® Prepaid Card
on Ace Cash Express's
secure website
  • Need your money now? Get paid up to 2 days earlier with Direct Deposit.
  • 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.
  • Manage your money on the move - ACE Elite mobile app available on Google Play and Apple App Store.
  • Transfer funds to other ACE Elite Prepaid Cardholders for no fee.
  • Earn up to 5.00% annual percentage yield on balances up to $1,000.00 with our optional savings account.
  • Get Payback RewardsSM for using your card on some of your everyday purchases.
  • Enjoy ACE Cash Express customer service at over 1,000 locations nationwide.
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
logo
Apply Now
Western Union® NetSpend® Prepaid Mastercard®
on NetSpend's
secure website
  • Send and Receive WU® money transfers, shop online or pay bills.
  • With Western Union Direct Deposit, you can get paid faster* than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Get your tax refund direct deposited to your Card Account and no more waiting in line to cash your check!
  • *Card issued by MetaBank®, Member FDIC. Card may be used everywhere Debit Mastercard is accepted. "Apply Now" for full details. See additional Western Union Prepaid Mastercard® Details.
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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Apply Now
Brink's Prepaid Mastercard®
on NetSpend's
secure website
  • Brink's gives you the peace of mind you deserve. Securing cash and valuables since 1859.
  • With Brink's Direct Deposit, you can get paid faster* than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the Brink's Money Prepaid Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply.)
  • Get your tax refund direct deposited to your Card Account and no more waiting in line to cash your check!
  • *Card issued by BofI Federal Bank, Member FDIC. Card may be used everywhere Mastercard Debit cards are accepted. "Apply Now" for full details.
  • See additional Brink's Prepaid Mastercard® Details.
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
logo
Apply Now
Blue NetSpend® Visa® Prepaid Card
on NetSpend's
secure website
  • With Netspend Direct Deposit, you can get paid faster than a paper check
  • No late fees or interest charges because this is not a credit card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Get your tax refund direct deposited to your account and no more waiting in line to cash your check!
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. "Apply Now" for full details.
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
logo
Apply Now
ACE Elite™ Blue Visa® Prepaid Debit Card
on Ace Cash Express's
secure website
  • Need your money now? Get paid up to 2 days earlier with Direct Deposit.
  • With qualifying Direct Deposit, make no-fee cash withdrawals up to $300 a day at ACE locations.
  • Manage your money on the move - ACE Elite mobile app available on Google Play and Apple App Store.
  • Transfer funds to other ACE Elite Cardholders for no fee.
  • Earn up to 5.00% annual percentage yield on balances up to $1,000.00 with our optional savings account.
  • Get Payback RewardsSM for using your card on some of your everyday purchases.
  • Enjoy ACE Cash Express customer service at over 1,000 locations nationwide.
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
0% Fixed
Variable Monthly Fees
No Credit Check
logo
Apply Now
Brink's Money Prepaid Mastercard®
on NetSpend's
secure website
  • Brink's gives you the peace of mind you deserve. Securing cash and valuables since 1859.
  • With Brink's Direct Deposit, you can get paid faster* than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the Brink's Money Prepaid Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply.)
  • Get your tax refund direct deposited to your Card Account and no more waiting in line to cash your check!
  • *Card issued by BofI Federal Bank, Member FDIC. Card may be used everywhere Mastercard Debit cards are accepted. "Apply Now" for full details.
  • See additional Brink's Prepaid Mastercard® Details.
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
Varilable Monthly Fees
No Credit Check
logo
Apply Now
American Express Serve® Cash Back
on American Express's
secure website
  • 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. (1)
  • Free Direct Deposit gets you access to your money up to 2 days faster. (2)
  • Free ATM withdrawals at over 24,000 MoneyPass® ATMs nationwide. (3)
  • 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.
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
$5.95 Monthly Fee (No fee in TX, NY, VT)
No Credit Check