Best Prepaid Debit Cards Page 2

PayPal Prepaid MasterCard

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How Prepaid Debit Cards Work

In the most basic terms, here’s how most cards work. Users fund their card – or “load” them, in the vernacular of the prepaid card world – with money via a direct deposit, wire transfer, PayPal or a variety of other means. And once the card is loaded, it works basically the same as a credit card, debit card or check. Cardholders can complete point-of-sale (POS) transactions, go online to shop, or get cash through ATM withdrawals. What is different from credit cards and debit cards linked to a checking account is that the users of prepaid cards cannot spend more money than what is loaded on the card. For families attempting to run cash only households, prepaid debit cards are helpful for staying on budget and out of debt. The following prepaid debit cards can help you budget and control your spending.

PayPal Prepaid MasterCard® Credit 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
  • Click here for full review.

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*$2.25 – $3.95$1.95$0$4.95$13.22

primor Secured Visa Gold Credit Card to Help Build Your Credit

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.
    • Click here for full review.

Editor’s Rating

Featured

At primor’s secure site

Annual FeeAPRCredit NeededGrace Period
$499.99%Bad Credit25 Days

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Green Dot® Card

  • Track your spending on the go with the Green Dot mobile App
  • No long usage commitments
  • Reload your Green Dot card directly from your bank, credit union or other financial institutions
  • Reload with a check at participating WalMart locations
  • Access your paycheck faster with direct deposit
  • Safer than carrying cash
  • Click here for full review.

Editor’s Rating

Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$4.95$4.95$4.95$0$0$5.95$11.31

U. S. Money Prepaid VISA ®

  • Personalized U.S. Money Card checks
  • Free text message alerts
  • Free direct deposit
  • Optional picture for added security
  • Free customer service
  • Free card-to-card transfer
  • Click here for full review.

Editor’s Rating

Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0.50$0$4.95$1.50$5.95$3.00$11.77

Prepaid Visa RushCard Unlimited Monthly Plan

  • Fee: $3.95 to $9.95, depending on the card design you choose.
  • ATM transaction fee: in network is free; out of network is $2.50 plus any fee imposed by the ATM owner.
  • Free direct deposit
  • $1 PIN and signature transaction fees for the new pay-as-you-go plan.
  • Monthly maintenance fee: $7.95 (or $5.95 if you use direct deposit) or free with the pay-as-you-go plan
  • Click here for full review.

Editor’s Rating

Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$3.74$0$3.95$7.95$12.02

Univision® Prepaid Card

  • No activation fee
  • Safer than carrying cash
  • Online Bill Pay
  • Use anywhere MasterCard is accepted
  • Get faster access to your paycheck, tax refund or government benefits with direct deposit
  • Click here for full review.

Editor’s Rating

Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$0$1.95$0$9.95$13.90

Ace Elite® Fee Advantage Plan

  • Get paid faster
  • No customer service fees
  • Simple money management with free anytime alerts
  • Cardholder-to-cardholder transfers
  • Once the card account is registered, the funds are FDIC Insured
  • Click here for full review.

Editor’s Rating

At Ace Elite secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$0$2.50$0$9.95$13.00

Prepaid Visa RushCard (Pay As You Go Plan)

  • Fee: $3.95 to $9.95, depending on the card design you choose.
  • ATM transaction fee: in network is free; out of network is $2.50 plus any fee imposed by the ATM owner.
  • Free direct deposit
  • $1 PIN and signature transaction fees for the new pay-as-you-go plan.
  • Monthly maintenance fee: $7.95 (or $5.95 if you use direct deposit) or free with the pay-as-you-go plan
  • Click here for full review.

Editor’s Rating

Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$1.00$1.00$3.74$0$3.95$0 $14.07

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