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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Serve from American Express®

Activation Fee: $0.00 Click here for more information on the Amex Serve Prepaid Card
Monthly Fee (up to): $1.00
ATM (In-Network) Withdrawal Fee: $0.00
Cash Reload Fee: $0.00
Signature Transaction Fee: $0.00
PIN Transaction Fee: $0.00
RATING: 5 stars

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  • Your Full Service Reloadable Prepaid Account (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • Get a $50 credit after receiving $250+ twice via Direct Deposit by 6/30/14.* Enroll in Direct Deposit to get your paycheck in your American Express Serve Account on payday.
  • Get your Federal Tax refund fast- plus a $20 credit.*
  • 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.
Average Annual Cost of Ownership

$12.00

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US Bank Convenient Cash Card®

Activation Fee: $3.00 Click here for more information about the American Express Serve card
Monthly Fee: $3.00
ATM (In-Network) Withdrawal Fee: $0.00
Cash Reload Fee: $0.00
Signature Transaction Fee: $0.00
PIN Transaction Fee: $0.00
RATING: 5 stars

More Information

  • 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

Average Annual Cost of Ownership

$47.00

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Chase® Liquid

Activation Fee: $0.00 Click here for more information on the Pink ACE Elite Visa Prepaid Card
Monthly Fee: $4.95
ATM (In-Network) Withdrawal Fee: $4.95
Cash Reload Fee: $0.00
Signature Transaction Fee: $0.00
PIN Transaction Fee: $0.00
RATING: 5 stars

More Information

  • 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)

Average Annual Cost of Ownership

$59.40

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PNC SmartAccess® Prepaid

Activation Fee: $0.00 Click here for more information on the First Progress Platinum Elite MasterCard® Secured Credit Card
Monthly Fee: $5.00
ATM (In-Network) Withdrawal Fee: $0.00
Cash Reload Fee: $0.00
Signature Transaction Fee: $0.00
PIN Transaction Fee: $0.00
RATING:

More Information

  • 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
Average Annual Cost of Ownership

$60.00

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BB&T MoneyAccount®

Activation Fee: $0.00 Click here for more information about the American Express Serve card
Monthly Fee: $5.00
ATM (In-Network) Withdrawal Fee: $0.00
Cash Reload Fee: $0.00
Signature Transaction Fee: $0.00
PIN Transaction Fee: $0.00
RATING: 5 stars

More Information

  • 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
Average Annual Cost of Ownership

$62.95

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KAIKU Visa® Prepaid

Activation Fee: $0.00 Click here for more information on the First Progress Platinum Elite MasterCard® Secured Credit Card
Monthly Fee: $1.95
ATM (In-Network) Withdrawal Fee: $0.00
Cash Reload Fee: $2.95
Signature Transaction Fee: $0.00
PIN Transaction Fee: $0.00
RATING: 5 stars

More Information

  • $1.95 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
Average Annual Cost of Ownership

$104.10

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JH Preferred Prepaid Visa Card®

Activation Fee: $0.00 Click here for more information on the JH Preferred Prepaid Card
Monthly Fee (up to): $3.00 WAIVED if load $1000+/month
ATM (In-Network) Withdrawal Fee: $2.50
Cash Reload Fee: $3.95
Signature Transaction Fee: $0.00
PIN Transaction Fee: $0.00
RATING: 5 stars

More Information

  • $3 monthly (waived if $1000 direct deposit per month)
  • Visa branding
  • Mobile account alerts
Average Annual Cost of Ownership

$105.96

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ATIRAreload® Card

Activation Fee: $0.00 Click here for more information about the American Express Serve card
Monthly Fee: $2.95
ATM (In-Network) Withdrawal Fee: $1.00
Cash Reload Fee: $0.00
Signature Transaction Fee: $0.00
PIN Transaction Fee: $0.00
RATING: 5 stars

More Information

  • Accepted worldwide
  • No finance charges
  • Use your debit card like a credit card
  • Safer than cash
  • No cash reload fee
Average Annual Cost of Ownership

$131.40

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SpendSmart®

Activation Fee: $0.00 Click here for more information on the Pink ACE Elite Visa Prepaid Card
Monthly Fee: $3.95
ATM (In-Network) Withdrawal Fee: $1.50
Cash Reload Fee: $0.00
Signature Transaction Fee: $0.00
PIN Transaction Fee: $0.00
RATING:

More Information

  • 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)
Average Annual Cost of Ownership

$143.40

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WalMart® MoneyCard

Activation Fee $3.00 Click here for more information on the First Progress Platinum Elite MasterCard® Secured Credit Card
Monthly Fee: $3.00
ATM (In-Network) Withdrawal Fee: $0.00
Cash Reload Fee: $3.00
Signature Transaction Fee: $0.00
PIN Transaction Fee: $0.00
RATING: 5 stars

More Information

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

$159.00

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Coopera Prepaid Reloadable Card®

Activation Fee: $0.00 Click here for more information about the American Express Serve card
Monthly Fee: $5.95
ATM (In-Network) Withdrawal Fee: $1.00
Cash Reload Fee: $0.00
Signature Transaction Fee: $0.00
PIN Transaction Fee: $0.00
RATING:

More Information

  • 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®
Average Annual Cost of Ownership

$167.40

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These pages are still under construction, so please pardon our dust! We wanted to get as much information out as possible even though it is not fully complete. We are still working on reviews, ratings, etc. 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.

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