The Best Prepaid Debit Card - Because prepaid debit cards are so similar to American debit cards, they can be used as a budgeting tool or even to replace bank accounts.
Traditional debit cards are usually linked to personal checking accounts, but prepaid debit cards are not. Prepaid debit cards are loaded with cash you specify.
The Best Prepaid Debit Card
The American Express prepaid debit card comes in three options.
Best Prepaid Cards
Prepaid cards in this category have better rewards, and it's natural to pick our "Cash Back" prepaid card, which adds 1% cash back to your account when you spend without a credit check.
If you're not a resident of Texas, New York, or Vermont, the Cash Card waives the monthly fee, making the Basic Service Card a great alternative with just a $1 fee. A credit card is a good alternative to a bank account.
Editor's Note: You can load your service card for free at CVS or 7-11. You can set up a subaccount, and the card also has a "savings feature" so you can budget for future big purchases. A monthly direct deposit of up to $500 waives the monthly fee.
If you're eligible, Bluebird® from US Express will charge you no monthly fees, no cash reload fees if you add money through Walmart, and no transaction or withdrawal fees at MoneyPass® ATMs.
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You can also create up to 4 sub-accounts for family members to control their spending and ATM visits, but beware of the $3.95 and offline ATM fees. Reload outside of Walmart. Plus, Bluebird is a very solid prepaid card.
Get a Chase Liquid Prepaid Card at your local Chase branch today and get access to over 16,000 Chase banks nationwide at no extra charge with an initial $25 minimum load.
You can load cash or checks and cash at any Chase ATM, as well as shop and pay in-store and online, and even rate Chase's Fast Pay with Zelle.
There is a $4.95 monthly fee, waived only with a Chase Premier Plus checking or other insurance account.
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Editor's note: Chase Liquid Prepaid must be open at the branch, and the card does not allow you to add cash through retailers or choose a separate savings account.
Payday Prepaid Debit Card Comes The Paypal MasterCard Prepaid Card is also a great card, but due to the inevitable $4.95 monthly fee, unfortunately we have to list this card instead of the best prepaid cards.
The absolutely compelling advantage of this card over the vast majority of prepaid cards on the market is that you can instantly transfer funds from your PayPal account to the card and have quick access to funds.
If you're a heavy PayPal user, this card might be somewhat useful for its convenience, but at $4.95 a month, there's no real network that offers free reloads or withdrawals.
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Prepaid debit cards have several advantages and disadvantages, so reading the books above will help you better understand whether a prepaid debit card is right for you.
If you're interested, check out our list of bank bonuses, deposit rates, and CD rates.
Citi Rewards + Student Card 2,500 Reward Points ($25) HSBC Premier World Mastercard 35,000 Reward Points ($400) Citi Sears Credit Card Cash Back: 80,000 Reward Miles + $95 Credit
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Editorial Disclosure. The opinions expressed herein are solely those of the author and not of any bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or endorsed by any of these entities.
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Prepaid Debit Cards
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Prepaid debit cards, sometimes called prepaid credit cards, replace credit cards and bank accounts. The key is to find a low-fee or even free prepaid debit card that offers the features and benefits you need. We've researched nearly 70 options to help you find the best prepaid debit card.
I've been covering the prepaid card market since 2008. Over the years, the features and fees offered to consumers have changed dramatically. These changes have been mostly positive. However, there are many prepaid debit cards that charge exorbitant fees, offer limited benefits, or both.
To help you narrow down the options, we've rounded up our top picks for the best reloadable prepaid debit cards.
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Note: Before getting a prepaid card, there are Chime things to consider. It's better than a prepaid card. There are no monthly fees, and you get both a checking and a savings account. Although Chime is not a bank, it has partnered with FDIC Insurance to protect your money. It offers free debit cards and free credit cards. With direct deposit, you can get paid up to two days earlier. *
The Netspend Prepaid Visa Card offers several features that make it an ideal alternative to a traditional bank account. It offers a plan with unlimited free signature or PIN transactions for $5 per month.
Netspend card fees depend on the plan you choose and how you use the card. The monthly plan with a minimum direct deposit of $500 is the best deal in our opinion. This keeps monthly fees down to $5, and there are no transaction fees on purchases.
This low-cost prepaid card is perfect for regular Walmart customers. The Walmart MoneyCard® offers 3% cash back on purchases at walmart.com, 2% cash back at Walmart gas stations and 1% cash back at Walmart stores, with an annual bonus of $75.
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There is a monthly fee of $5.94. * It can be waived, but you have at least $500 in direct deposit every month. The downside to this card is that there are no free ATM withdrawals, which cost $2.50 each. However, you can get free cash at Walmart MoneyCenters or at the customer service desk.
This card can be classified as a good prepaid option for banks. Why? For several reasons. Pay online with Western Union® Netspend® Mastercard® prepaid cards. It also offers a discretionary savings account that now pays 5.00% APY on balances up to $1,000. You can create a virtual card that you can use online, so you don't risk your account. It also offers a purchase cushion of up to $10. If you refer a friend, you can both get a $20 credit on your account.
This card comes with an online account center where you can manage your money. You also have access to a mobile app (Apple or Android) and can receive notifications about your account via text or email. You can deposit checks and receive Western Union money transfers through the mobile app. Finally, get paid 2 days faster with direct payments. It's free.
Brink cards have a long list of features. These include direct deposit, alerts, online accounting center, mobile app with photo gallery, rewards and referral program.
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For budgeting, it has some important extra features: It offers a budgeting tool that lets you track your money and set spending limits. It also comes randomly
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