Prepaid Debit Cards
- Compare the best prepaid debit cards to build credit
- Expert and Independent ratings & consumer reviews for prepaid debit cards
- Secure and immediate online application process
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Fees
No Monthly or Annual FeesAccess to Benefits
Purchases Protection and Roadside AssistanceSign Up Offer
Card Highlights:
Purchase APR
N/A
Balance Transfer:
N/A
Ongoing Information
Highlights
- Free sign up and no credit check
- No monthly or annual fees
- Get the prepaid card and mobile app
- Send and receive money by email and text
- American Express safety and security
- Link a bank account, debit or credit card; add money with MoneyPak®; and use at ATMs*
- Get access to benefits such as Purchase Protection* underwritten by AMEX Assurance Company, Roadside Assistance* and Entertainment Access.
- Terms, conditions & exclusions apply*
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Fees
No Annual, Purchase or Foreign Exchange FeesProtection Services
Free Fraud & Purchase ProtectionSign Up Offer
Card Highlights:
Purchase APR
N/A
Balance Transfer:
N/A
Ongoing Information
Highlights
- The benefits of Cardmembership start here!
- Free Direct Deposit
- No Monthly, Annual or Purchase Fees
- No Overdraft, Inactivity or Foreign Exchange Fees
- Free Fraud Protection*
- Purchase Protection and Roadside Assistance*
- No Credit Check
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Instant Approval
Get Your Account Info Instantly!Track Your Credit Score
Free credit ScoreTracker*Sign Up Offer
Card Highlights:
Purchase APR
N/A
Balance Transfer:
N/A
Ongoing Information
Highlights
- Get Your Premium Benefits:
- Exclusive Rewards Program
- Free Credit ScoreTracker1
- Easy Mobile Account Access and Text Alerts
- Easy Online Bill Payment & Check Writing
- Free† Direct Deposit - paycheck, benefits, tax refunds
- No Credit Check, No Overdraft Fees or Balance Minimums
- Reloadable up to $10,000 Max Balance
- Deposit is fully FDIC insured
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Improve Your Credit Score
Free Credit Bureau ReportingCredit Line
$300 - $2,000 Credit LineSign Up Offer
Card Highlights:
Purchase APR
N/A
Balance Transfer:
N/A
Highlights
- Nationwide Program - though not yet available in NY, IA, AR, or WI
- Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Get Your Deposit Back at Any Time
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- No Credit History or Minimum Credit Score Required for Approval
- Full-Feature Platinum MasterCard® Secured Credit Card
- 24/7 Access to Your Account Online
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Free Savings Account - 5.95% APY
1% Cash Back on Gas
Sign Up Offer
Card Highlights:
Purchase APR
N/A
Balance Transfer:
N/A
Ongoing Information
Highlights
- New - Free Roadside Assistance
- New - Free Savings Account with 5.65% APY
- 1% Cash Back on Gas Purchases
- Free Direct Deposit so you can get paid faster
- Free Bill Pay online or over the phone
- Free Transactions and Customer Service
- No Overdraft Fees, No Interest Fees, and No Hidden Fees
- No Credit Check - 100% Approval
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Direct Deposit
Get Your Money Two Days EarlyCard to Card Transfers
Send Money to Family and FriendsSign Up Offer
Card Highlights:
Purchase APR
N/A
Balance Transfer:
N/A
Highlights
- Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
- Safer than carrying cash, use everywhere Visa debit cards are accepted.
- Choose from multiple fee plan options, and switch for free.
- Conveniently send money to family and friends with card to card transfers.
- Free 24/7 customer service.
- Members now have access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance -- free of charge.
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Prepaid Debit Cards
Prepaid debit cards are similar to both ATM debit cards and regular credit cards in the sense that you can swipe them at any time to pay for products and services. They are especially helpful to those with bad credit who cannot qualify for an unsecured card otherwise. Prepaid cards are also helpful for parents wanting to give their kids a credit card with “training wheels” to teach them how to handle debt. Most prepaid debit cards are available with no fee, even to those who do not have a bank account or credit history. The credit limit extended to you is based on how much money you deposit into the reloadable account ahead of time – or how much you “prepay” on the card.
You can use a prepaid card the same way you would use a debit or credit card, and you can make withdrawals or purchases against the cash balance in the account. If you use up your cash, the card limit runs out. Then you can recharge, or resupply, your reloadable card by making another cash deposit.
Check the details of each card because they all charge various fees and apply different rules. Many also offer helpful cash management and bill paying tools through convenient online account access that can assist with establishing an improved credit history. You will just have to see what options are available for you. Study the FAQ section of the card’s website or look for the terms and conditions page – which companies sometimes sneakily hide or bury where you have to look long and hard to find it. Here's a nice FAQs page for your convenience.
Over 1,250,000 cardholders since 2005
