Bankrate’s Best Prepaid and Debit Cards

Check out the latest prepaid and debit card offers available today. Compare offers and find the card that is right for you.

The best prepaid and debit cards:

  • Blue Netspend® Visa® Prepaid Card
  • Netspend® Visa® Prepaid Card

Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Blue Netspend® Visa® Prepaid Card

blue-netspend-visa-prepaid-card-020518.png Card Image
Apply Now ON Netspend's secure website
Recommended Credit Score:
See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
N/A Regular APR
Variable Monthly Fee Annual Fee

Card Details

  • 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

Netspend® Visa® Prepaid Card

netspend-visa-prepaid-blue-dots-card-020518.png Card Image
Apply Now ON Netspend's secure website
Recommended Credit Score:
See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
N/A Regular APR
Variable Monthly Fee Annual Fee

Card Details

  • 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

Gloss Prepaid Visa® RushCard

81a48ef0-a232-11e8-b3b7-dd1fc1cf23ad.png Card Image
Apply Now ON RushCard's secure website
Recommended Credit Score:
See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
N/A Regular APR
Variable Monthly Fees Annual Fee

Card Details

  • Stay connected — keep track of your money on your mobile phone with the RushCard app. *
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply*
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.*
  • Real time activity alerts sent to your mobile phone via text or email.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Gloss Prepaid Visa RushCard.
Terms and Restrictions Apply

Brink's Prepaid Mastercard®

brinks-money-heritage-prepaid-mastercard-082918.png Card Image
Apply Now ON Netspend's secure website
Recommended Credit Score:
See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
N/A Regular APR
Variable Monthly Fees Annual Fee

Card Details

  • 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 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

Pink Netspend® Visa® Prepaid Card

pink-netspend-visa-prepaid-card-020518.png Card Image
Apply Now ON Netspend's secure website
Recommended Credit Score:
See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
N/A Regular APR
Variable Monthly Fee Annual Fee

Card Details

  • 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

24k Prepaid Visa® RushCard

6a2934b0-a232-11e8-b3b7-dd1fc1cf23ad.png Card Image
Apply Now ON RushCard's secure website
Recommended Credit Score:
See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
N/A Regular APR
Variable Monthly Fees Annual Fee

Card Details

  • Enroll in Direct Deposit and get your pay up to two days early.*
  • Real time activity alerts to let you know when a load 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.*
  • Easy Online Bill Pay— pay your rent, utilities or a friend*.
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about 24k Prepaid Visa RushCard.
Terms and Restrictions Apply

Self Lender — Credit Builder Account

self-lender-credit-builder-112717.png Card Image
Apply Now ON Self Lender Credit Builder's secure website
Recommended Credit Score:
No Credit History

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
12.03% - 15.98% (Varies by Product) Regular APR
One Time $9 - $15 Account Fee (Varies by Product) Annual Fee

Card Details

  • Savings plans start at $25/month and includes credit monitoring
  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self Lender helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
  • At the end of account term you've built credit history and your CD savings unlocks
Terms and Restrictions Apply

Brink's Prepaid Mastercard®

brinks-prepaid-mastercard-042617.png Card Image
Apply Now ON Netspend's secure website
Recommended Credit Score:
See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
N/A Regular APR
Variable Monthly Fees Annual Fee

Card Details

  • 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

Sequin KLS Prepaid Visa® RushCard

9826e330-a232-11e8-b3b7-dd1fc1cf23ad.png Card Image
Apply Now ON RushCard's secure website
Recommended Credit Score:
See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
N/A Regular APR
Variable Monthly Fees Annual Fee

Card Details

  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply*
  • 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.*
  • 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.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Sequin Prepaid Visa RushCard.*
Terms and Restrictions Apply

Midnight Prepaid Visa® RushCard

c610bb90-a232-11e8-8835-390989bf37d0.png Card Image
Apply Now ON RushCard's secure website
Recommended Credit Score:
See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A Purchases intro APR
N/A Balance Transfers intro APR
N/A Regular APR
Variable Monthly Fees Annual Fee

Card Details

  • 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*
  • Easy Online Bill Pay — 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.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Midnight Prepaid Visa RushCard.
Terms and Restrictions Apply

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

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 a prepaid card?

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.

What are some pros and cons of prepaid cards?

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.

Final 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.

* 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.