Best Prepaid Debit Cards / Reloadable Cards 2014

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For many families and individual consumers, prepaid debit cards have become an important and flexible tool for paying monthly bills and staying on a strict budget. The following cards can help in that area by helping you stick to your budget while controlling your spending. You can learn what fees accompany the account and are shielded from high overdraft fees. These reloadable debit cards allow you to only spend up to the amount you have pre-deposited in your account. If you would like greater control over your spending or have a tendency to overspend, then a debit card or a prepaid debit card could be just what the doctor ordered.

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PayPal Prepaid MasterCard® Debit Card

Featured

  • Free direct deposit – get your paychecks & tax refund faster when you direct deposit to your PayPal Prepaid Card.
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash – use it to pay for everyday purchases

Editor’s Rating

Featured

At Capital Bank’s secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0*$1.00 – $3.95$1.95$0$4.95$10.27

primor Secured Visa Gold Credit Card

Featured

    • Fast, easy application process
    • No processing or application fees.
    • Low fixed interest rates with no penalty rate.
    • Reports to all three nationwide credit bureaus
    • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more.*
    • See application for additional details.

Editor’s Rating

Featured

At primor’s secure site

Annual FeeAPRCredit NeededGrace Period
$499.99%Bad Credit25 Days

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Reading the Numbers: Below, in addition to the starred ratings, we have summarized an average monthly usage cost based on what we estimate would be common frequent usage metrics. The lower the average monthly cost, the better. Those costs below are based on the following monthly transactions: monthly fee x1; PIN purchase transactions x5; Signature purchase transactions x5; ATM withdrawals in-network x2; cash load on to card x1 and the following annual transactions: customer service calls x2 per year and bank teller cash withdrawals at 2 per year.

If you are planning on using Direct Deposit to load your card’s balance, you will probably rarely use cash loads and would see savings of typically between $2-$5 per month.

Navigating the Card Table: Clicking on the More Information button or the card image will take you to our review of that card and more detailed information. Clicking on an Apply Now button will take you to the card-issuer’s website where you can apply for the card through their secure form.

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Serve from American Express®

  • Your Full Service Reloadable Prepaid Account (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • Enjoy American Express service and security 24/7. Shop online or off and get access to membership benefits like Purchase Protection.
  • Add cash for free across 15,000 CVS/pharmacy® stores and participating 7-ELEVEN® locations.
  • Free ATM withdrawals at over 24,000 ATMs nationwide.
  • Use the Mobile App* to deposit checks on-the-go, manage your money, easily pay bills and more.
  • *Terms, conditions and exclusions apply.

Editor’s Rating

At Serve secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$0$0$0$1.00$1.00

US Bank Convenient Cash Card® – CANCELLED – Replaced by US Bank Contour Prepaid Debit Card

  • Shop everywhere Visa Debit Cards are accepted
  • Pay bills online at merchant websites, over the phone or in person
  • Make free cash withdrawals at U.S. Bank ATMs
  • Free cash deposits at any U.S. Bank branch
  • Free direct deposit of your payroll or government benefits check
  • Free text and email alerts
  • Free online account management

Editor’s Rating

At US Bank secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$0$0$3$3$3.92

Chase® Liquid

  • Free to open
  • Free to Reload
  • Load paychecks conveniently with direct deposit
  • Free online banking
  • Free Chase Mobile® app
  • Free customized email and text alerts
  • Zero liability protection for any unauthorized card transactions (certain restrictions apply)

Editor’s Rating

At Chase secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$0$0$0$4.95$4.95

ATIRAreload® Card

  • Accepted worldwide
  • No finance charges
  • Use your debit card like a credit card
  • Safer than cash
  • No cash reload fee

Editor’s Rating

At ATIRAreloa secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$0$1.00$0$2.95$4.95

PNC SmartAccess® Prepaid

  • Add money quickly and easily for free
  • Get easy access to your money
  • Maintain control over your spending
  • More secure than carrying cash
  • Pay bills – quickly and easily
  • Stay connected with SmartAccess Mobile Services

Editor’s Rating

At PNC secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$0$0$0$5$5.00

BB&T MoneyAccount®

  • Apply in minutes – no separate bank account or minimum credit score required
  • Spend only the money you have available
  • Make purchases, pay bills online, get cash back and more
  • Use direct deposit to avoid costly check-cashing fees

Editor’s Rating

At BB&T secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$0$0$0$5$5.25

KAIKU Visa® Prepaid

  • $3.00 Monthly Fee
  • Online Bill Pay and Mobile Money Deposit Available
  • Direct Deposit Included
  • 55,000+ In-Network ATMs
  • Bank Account Loading
  • Card-to-Card Transfers With No Transactional Fee
  • Mobile Apps for iPhone, Android, and Blackberry smartphones
  • 24/7 Customer Service and Text Alerts Included

Editor’s Rating

At KAIKU Visa secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$2.95$0$0$3.00$5.95

WalMart® MoneyCard Basic Plan

  • Make purchases everywhere Visa is accepted
  • Receive cash back from merchants
  • Withdraw cash from ATM machines
  • Direct Deposit
  • View your transaction history online

Editor’s Rating

At WalMart secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$3$1.50$3$3$6.00

SpendSmart®

  • Free account activation
  • No spending transaction fees
  • First load of the month free
  • Additional loads: $0.75 from bank account, $2.95 from credit or debit card
  • Free account monitoring app (Android and iTunes)

Editor’s Rating

At SpendSmart secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$0$1.50$0$3.95$6.95

JH Preferred Prepaid Visa Card®

  • $3 monthly (waived if $1000 direct deposit per month)
  • Visa branding
  • Mobile account alerts

Editor’s Rating

At JH secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$3.95$2.50$0$3.00 WAIVED if load $1000+/month$12.78

Coopera Prepaid Reloadable Card®

  • No credit check required
  • Safer than carrying cash
  • Bilingual paper statements available
  • Fully supported for mobile use
  • Multiple cards, one account
  • Supported internationally
  • Backed by Visa®

Editor’s Rating

At Coopera secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$0$1.00$3$5.95$13.03

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The data and fees for the cards are up-to-date to the best of our knowledge and the average annual costs of ownership are based on our standard usage calculation for all cards. If you are looking to get a card with low fees, we make it easy for you, listing the cards with the lowest fees to the highest on these pages.

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* For additional rates, fees and costs see card issuer’s website for detailed pricing and terms.

Prepaid Debit Cards | Prepaid Debit Card News | Best Credit Building Cards | Card News

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