Prepaid and Debit Cards
Prepaid cards present a great opportunity for people with bad credit or those who just want to control their spending. They don't typically require a credit check or applications fee, there's no balance; cardholders can only use the amount of funds previously deposited into the account. When researching prepaid debit cards there are several things to look for to help you save money and get the best perks: cashback rewards, bonus points and monthly fee are just some of the most common items. Compare some of best pre-paid cards below, then click "apply now" to apply online.
Top Pre-paid Cards
- Free $0 activation online - with no credit check!
- Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
- No overdraft fees
- Access to over 18,000 MoneyPass® ATMs
| Intro Apr |
Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A |
N/A |
N/A |
N/A |
Excellent - Bad, No Credit
|
- $0 activation online - with no credit check!
- Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
- No overdraft fees
- Access to over 18,000 MoneyPass® ATMs
| Intro Apr |
Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A |
N/A |
N/A |
N/A |
Excellent - Bad, No Credit
|
- No issuance fee online
- No credit check or bank account required
- Use everywhere Visa debit is accepted
- $10 bonus with qualifying Direct Deposit (for a limited time only)
| Intro Apr |
Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A |
N/A |
N/A |
N/A |
Excellent - Bad, No Credit
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- 100% Guaranteed Approval* - No Credit Checks
- Free Direct Deposit - paycheck, benefits, tax refunds
- Free Online Bill Payment & Check Writing
- No Overdraft Fees or Balance Minimums
| Intro Apr |
Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A |
N/A |
N/A |
$0 |
Excellent - Bad, No Credit
|
- Free Direct Deposit - paycheck, benefits, tax refunds
- Free Credit Score Tracker
- Free Online Bill Payment & Check Writing
- No Credit Check, no Overdraft Fees or Balance Minimums
| Intro Apr |
Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A |
N/A |
N/A |
N/A |
Excellent - Bad, No Credit
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- Save up to $220 compared with other prepaid cards
- Similiar to a checking account. No credit check. No activiation fee.
- $0.99 monthly fee with total load of $500 or more
- Free Direct Deposit from employers or load cash at 50,000 retailers
| Intro Apr |
Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A |
N/A |
N/A |
N/A |
Excellent - Bad, No Credit
|
- A card truly designed for the 13-25 age group and their parents
- Full parental control. Safer than cash
- Parents can load the card online from their own credit card or checking account
- Instant online funding, great for emergencies when your child is away from home
| Intro Apr |
Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A |
N/A |
N/A |
N/A |
Excellent - Bad, No Credit
|
- Similar to a checking account, even if you have bad credit.
- Free Direct Deposit from your employer. Deposit cash at 50,000 retailers.
- Write personal checks online, we mail them for you!
- All for only $0.99/monthly, including a Visa prepaid card
| Intro Apr |
Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A |
N/A |
N/A |
N/A |
Excellent - Bad, No Credit
|
- Free Direct Deposit - sign up now and have a safe place to put your tax refund
- Guaranteed approval once your ID is verified*
- Online bill pay and free text alerts
- Free Prescription Discount Card from RushCard - save up to 85% on prescriptions
| Intro Apr |
Balance Transfer |
Regular APR |
Annual Fee |
Credit Needed |
| N/A |
N/A |
N/A |
N/A |
Excellent - Bad, No Credit
|
- No annual fees or monthly fees
- No purchase fees or overdraft fees
- No credit check required
- Purchase Protection
- Fraud Protection
- Roadside Assistance
- Award-winning customer service
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available. |
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No credit check required |
- Prepaid, reloadable American Express card parents can give to teens
- Parents and teens can log in to their own online accounts to check the PASS Card balance, view transactions and setup alerts
- Limit overspending and avoid teen overdraft fees
- Safer than Cash
- Automatic reloads
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
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No credit check required |
- NEW!! Choose your card design at no extra cost!
- Guaranteed Rewards - you can pick iTunes, RedBox, Cash, Starbucks and More
- Special Reload Offer - Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.*
- Free Direct Deposit, Online bill pay, Earn rewards.
- No credit check, No bounced check fees, No overdraft fees - EVER!
- Travel, rent cars, reserve hotels, shop online safely.
- Unbelievable customer service.
- * See Card Terms
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
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No credit check required |
- Perfect Card for Government/Benefits Checks Recipients
- $0 Activation with Rebate*
- 100% Guaranteed Approval*/No Credit Check
- Free Direct Deposit of Your Pay or Government Check
- Free Unlimited Purchase Transactions Anywhere Where MasterCard Debit Card is Accepted
- No Overdraft Fees or Minimum Balances
- Online Checking - Electronic or Paper Checks
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Offer Available |
|
|
$0 |
No credit check required |
- 100% Guaranteed Approval* - No Credit Check
- $0 Activation Fee
- Free Direct Deposit and $25 cash back
- Cash Back on Everyday Purchases
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
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No credit check required |
- Shop from home
- Pay bills anytime
- Book travel
- Free Activation*
- No minimum balance
- Lost card protection
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| No introductory rate available |
|
|
$0 |
No Credit Check |
- PerkStreet Financial offers up to 2% cash back on debit card purchases one of the best debit card rewards programs in America!
- Earn 2% when your Account balance is $5k+, or earn 1% when your Account balance is less than $5k
- The average American will earn $600 every year in cash back
- A great tool to improve your financial life use your cash back to pay down your debt faster, save for your future, give back to others or just have some fun
- No cap on the amount of rewards you can earn plus no annual fee
- No monthly fees when you use your account
- Free online banking and bill pay
- Easy electronic transfers
- 24/7 customer support
- FDIC-insured deposits, up to $250,000
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| n/a |
n/a |
N/A |
$0 |
Average |
- Instantly Fund Employee Purchases
- Gain 24/7 Control Over Where and How Much Employees Spend
- Save Money - No Surprise Interest Charges or Overdraft Fees
- Monthly Reporting
- Worldwide Card Acceptance
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
|
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$90* |
No credit check required |
- No Credit Check Complete the form and we'll mail your card
- Free Roadside Assistance
- 1% Cash Back on Gas Purchases
- Free Savings Account with 5.65% APY
- Free Unlimited Purchases - Signature and PIN
- Free Direct Deposit: Get Paychecks, Benefits and Tax Refunds Faster
- No Debt, No Interest Charges and No Overdraft Fees
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
|
|
$0 |
No credit check required |
- Make a difference - With every signature purchase you are helping to fight against breast cancer.
- 100% Guaranteed Approval* - No Credit Check, income requirements, or bank account required!
- FREE Direct Deposit - Eliminate check cashing fees
- FREE Rewards Program - Earn 1 point for every $1 spent. Points never expire!
- Accepted everywhere VISA debit cards are accepted
- Free Account Access online, By Text, or via iPhone, IPad and ITouch app.
- *See Card Terms
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
|
|
$0 |
No credit check required |
- No Credit Check
- No Minimum Balance
- No late/ overdraft fees
- Free Direct Deposit †
- Easy Online Bill Pay
- Purchase Rewards
- $0 Activation Fee
- VIP Customer Service
- † Cardholder fees may apply. Consult your cardholder agreement.
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
|
|
0 |
No credit check required |
- Guaranteed Approval * - Upon Successful ID Verification
- No Credit Check
- No Overdraft Fees
- No Bounced Checks
- No Minimum Balance
- No CheckSystems Verification
- Instant Account Number
- Easy Online Bill Pay
- No Monthly Fee
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
|
|
$0 |
No credit check required |
- FREE: Monthly Maintenance
- FREE: Online Activation & Statements
- FREE: Customer Service (Online and Phone)
- FREE: $10 With Your First Qualifying Direct Deposit.
- FOUR Convenient Ways to Add Money to Your Account.
- Protected Funds through MasterCard's Zero Liability Policy.
| Intro APR |
Intro Applied To |
Regular APR |
Annual Fee |
Credit Needed |
|
|
|
$0 |
No credit check required |
* We make every reasonable effort to provide you with the most accurate offer information available; however, it's still important to review the terms and conditions set-forth on the credit card issuer's website. All information is presented here without warranty of any kind. Click on the "Apply Now" button to review each credit card application page and fill out the online application form.
Some of the most common reasons people choose a pre-paid debit card is because they are usually 100% guaranteed as long as an individual has the money to load onto the card to begin with. There is no interest rate or finance charges on purchases because there is no revolving line of credit, meaning it doesn't carry a balance. Many of the best prepaid cards don't require an activation fee, there's no annual maintenance fees, no annual percentage rate (APR) and no overdraft fees. However, there is usually a monthly service fee, and there can sometimes be some other fees associated with your account. It's important to always read your terms and condition carefully first though, as this can change from time to time.
What's really great is many of them will also offer rewards similar to a regular credit card. In addition, many prepaid accounts offer free online bill pay, free direct deposits and free money management tools.
Often times credit card companies will give you instant approval if you apply for a card online. However, some times when applying over the Internet additional time may be needed to approve an application, depending on each individual's credit situation.
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Other Helpful Resources for Consumers
- FTC consumer information on credit and loans
- FRB's consumers guide to credit cards
