Prepaid and Debit Cards

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

The best prepaid and debit cards:

  • Blue Netspend® Visa® Prepaid Card
  • Netspend® Visa® Prepaid Card
  • Brink's Prepaid Mastercard®
  • Pink Netspend® Visa® Prepaid Card
  • Self Lender — Credit Builder Account
  • Brink's Prepaid Mastercard®
  • Sequin KLS Prepaid Visa® RushCard
Netspend Image

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.

Apply Now On Netspend's secure website

Blue Netspend® Visa® Prepaid Card

Annual Fee:
Variable Monthly Fee
Purchase Intro APR:
N/A
Regular APR:
N/A

Card Details

  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No Overdraft Fees on Card purchases.
  • No late fees or interest charges because this is not a credit card.
  • Use the Netspend Mobile App to manage your Card Account on the go and enroll to get text messages or email alerts (Message & data rates may apply).
  • Card use is subject to activation and ID verification. Terms and Costs apply.
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa debit card is accepted.
  • See additional Netspend® Visa® Prepaid Card details
Terms and Restrictions Apply
Netspend Image

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.

Apply Now On Netspend's secure website

Netspend® Visa® Prepaid Card

Annual Fee:
Variable Monthly Fee
Purchase Intro APR:
N/A
Regular APR:
N/A

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 Image

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.

Apply Now On Netspend's secure website

Brink's Prepaid Mastercard®

Annual Fee:
Variable Monthly Fees
Purchase Intro APR:
N/A
Regular APR:
N/A

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
Netspend Image

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.

Apply Now On Netspend's secure website

Pink Netspend® Visa® Prepaid Card

Annual Fee:
Variable Monthly Fee
Purchase Intro APR:
N/A
Regular APR:
N/A

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
Self Image

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.

Apply Now On Self's secure website

Self — Credit Builder Account

Annual Fee:
One Time $9 - $15 Account Fee (Varies by Product)
Purchase Intro APR:
N/A
Regular APR:
12.03% - 15.98% (Varies by Product)

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 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
Netspend Image

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.

Apply Now On Netspend's secure website

Brink's Prepaid Mastercard®

Annual Fee:
Variable Monthly Fees
Purchase Intro APR:
N/A
Regular APR:
N/A

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 Card Account on the go and enroll to get text message or email alerts (Message & data rates may apply.)
  • Subject to card activation and ID verification. Terms and Costs Apply. Issued by Axos Bank®, Member FDIC. Click for full details.
  • See additional Brink’s Prepaid Mastercard® Details.
Terms and Restrictions Apply
Netspend Image

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.

Apply Now On Netspend's secure website

MileagePlus® GO Visa® Prepaid Card

Annual Fee:
Variable Monthly Fee
Purchase Intro APR:
N/A
Regular APR:
N/A

Card Details

  • Earn miles on qualifying signature purchases, up to 2,500 miles each month.
  • No Credit Check
  • No interest payments
  • Use Anywhere Visa debit cards are accepted
  • Reload money for repeat use
  • Great option to manage expenses and spending
  • *Card issued by Republic Bank & Trust Company, Member FDIC. "Apply Now" for full details.
Terms and Restrictions Apply
Netspend Image

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.

Apply Now On Netspend's secure website

Brink's Money Prepaid Mastercard®

Annual Fee:
Variable Monthly Fees
Purchase Intro APR:
N/A
Regular APR:
N/A

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
Netspend Image

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.

Apply Now On Netspend's secure website

Netspend® Prepaid Mastercard® - Proud Partner of MLB®

Annual Fee:
Variable Monthly Fee
Purchase Intro APR:
N/A
Regular APR:
N/A

Card Details

  • Show support for your team with your team-branded Netspend® Prepaid Mastercard® each time you use your Card.
  • 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 Card Account on the go and enroll to get text messages or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Debit Mastercard is accepted.
  • See additional Netspend® Prepaid Mastercard -Proud Partner of MLB® details
Terms and Restrictions Apply
Netspend Image

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.

Apply Now On Netspend's secure website

Western Union® Netspend® Mastercard® Prepaid Card

Annual Fee:
Up-to $9.95 monthly*
Purchase Intro APR:
N/A
Regular APR:
N/A

Card Details

  • Send and Receive a Western Union® Money Transfer, 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.
  • Subject to card activation and ID verification. Terms and Costs Apply. Issued by MetaBank®, Member FDIC.
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.


Author: Bankrate Staff

Have questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.


What are prepaid cards?

Prepaid debit cards offer a way to pay for expenses without carrying cash or opening a line of credit with a lender. Once you make a deposit into an account, you can immediately use the card to shop in all 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.

Things to consider before applying for a prepaid card

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. Compare cards thoroughly and shop for a card with no costs.

Advantages to a prepaid card

There’s no credit check necessary in order to apply for one of these cards, meaning those will low credit scores can reap the benefits of these cards while establishing responsible credit habits. Because you’re limited to spending your deposit amount, prepaid cards make it easy to stay on budget and cut back on monthly spending.

Disadvantages of prepaid cards

Many prepaid credit cards have fees attached to them and limitations on transactions. Prepaid cards won’t help build your credit because they do not report to the credit agencies, making secured credit cards a more attractive offer for helping you boost low credit scores over time. Prepaid cards also offer very limited rewards incentives compared to most major credit cards.

Who should get a prepaid card?

Prepaid cards and debit cards from our partners allow cashless shopping without a credit check, making them ideal for parents with teenage children, those with low credit scores and those who are wary of going into debt. With these cards, you only spend the money that you deposit, giving you the ability to track your expenses and easily limit your spending.

If you’re looking for a way to build credit, prepaid cards are not a good option for you. In order for your credit score to improve, you have to prove that you are creditworthy by effectively managing a line of credit. Because prepaid cards aren’t technically considered a line of credit, your spending habits aren’t reported to credit agencies.

* 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.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.