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The following prepaid and debit cards can help you with budgeting and controlled spending, but they also provide financial freedom to purchase online. Prepaid debit cards are accepted in much the same way that traditional credit cards are are all across the world. Aside from certain purchases such as hotel rooms and rental cars where larger funds are required to be kept “on hold”, prepaid debit cards provide the same ease of access. Other benefits include avoiding unexpected fees such as NSF fees on a checking account. Many people may use cards in place of an envelope system for cash-controlled spending. Cards provide security over carrying large sums of cash, empowering you to make larger purchases securely. If you are interested in prepaid card benefits and want to take charge of your spending, check out the offers below or on our other pages.
AccountNow Visa® Prepaid Classic (NO LONGER AVAILABLE)
- Get access to your money up to 2 days faster* with Free Direct Deposit
- New – Choose your card design at no cost
- Guaranteed Rewards – Earn when you spend for Prepaid Cell Minutes, iTunes, RedBox, Starbucks and More**
- Online Billpay – pay bills, rent, or write personal checks
- No credit check, No bounced check fees, No overdraft fees – Ever!
- Travel in style – Rent cars, reserve hotels, shop online safely.
- Click here for full review.
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Editor's Rating
At AccountNow secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $1.00 | $1.00 | $4.95 | $2.50 | $4.95 | $0 | $29.31 | |||||||
SpendSmart® (NO LONGER AVAILABLE)
- 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)
- Click here for full review.
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Editor's Rating
At SpendSmart secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $0 | $1.50 | $0 | $3.95 | $6.95 | |||||||
JH Preferred Prepaid Visa Card® (NO LONGER AVAILABLE)
- $3 monthly (waived if $1000 direct deposit per month)
- Visa branding
- Mobile account alerts
- Click here for full review.
Editor's Rating
At JH secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $3.95 | $2.50 | $0 | $3.00 WAIVED if load $1000+/month | $12.78 | |||||||
Bill My Parents® Reloadable Prepaid MasterCard (NO LONGER AVAILABLE)
- Use anywhere MasterCard® is accepted
- Free Activation
- Reloadable
- See site for details
- *$2.95 load fee is for credit or debit card loads; cash loads and retail loads were not available at time of review
- Click here for full review.
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Editor's Rating
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $2.95* | $1.50 | $0 | $3.95 | $9.90 | |||||||
Akimbo Visa® Prepaid Card (NO LONGER AVAILABLE)
- Free activation
- No credit check – 100% approval
- No monthly fee
- Link to your bank account
- Create sub-accounts & set up allowances
- Click here for full review.
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Editor's Rating
At Akimbo secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0.99 | $0 | $4.95 | $1.98 | $0 | $0 | $23.19 | |||||||
Upside Visa® Classic Prepaid Card (NO LONGER AVAILABLE)
- Free activation
- Earn cash back
- Free direct deposit
- Write checks online and from your cell phone
- Deposit cash instantly at over 50,000 locations nationwide
- Click here for full review.
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Editor's Rating
At Upside secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $3.95 | $1.95 | $0 | $4.95 | $24.61 | |||||||
American Express® PASS (NO LONGER AVAILABLE)
- Free activation
- No monthly fees
- $0 fraud liability
- Roadside assistance
- Enjoy discounts at select retailers
- Track your child’s spending online
- Global assist service when traveling
- Purchase protection
- 24/7 customer service
- Click here for full review.
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Editor's Rating
At American Express secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $4.95 | $2.50 | $0 | $0 | $7.95 | |||||||
Bank Freedom MasterCard® Prepaid Expense Card (NO LONGER AVAILABLE)
- Fee activation
- Accepted worldwide anywhere MasterCard is accepted
- 24/7 access to your funds at over 1.5 million ATMs worldwide
- Safer than cash
- Pay AnyBody Bill Pay
- Click here for full review.
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Editor's Rating
At Bank Freedom secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $4.95 | $2.50 | $0 | $5 | $4.95 | |||||||
Tom Joyner Reach Card® (NO LONGER AVAILABLE)
- Free direct deposit
- No credit checks – 100% approval
- Online account tools available
- Pay bills online
- Control and save money
- Shop online or anywhere Visa® is accepted
- Click here for full review.
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Editor's Rating
At Reach Card secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $3.95 | $2.50 | $9.95 | $8.95 | $26.84 | |||||||
Reach Visa® (NO LONGER AVAILABLE)
- Free direct deposit
- No credit checks – 100% approval
- Online account tools available
- Pay bills online
- Control and save money
- Shop online or anywhere Visa® is accepted
- Click here for full review.
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Editor's Rating
At The Reach Card secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $0 | $2.50 | $9.95 | $8.95 | $14.78 | |||||||
Vision Premier Visa® Prepaid Card (NO LONGER AVAILABLE)
- Get access to your money up to 2 days faster* with Free Direct Deposit
- New – Choose your card design at no cost
- Guaranteed Rewards – Earn when you spend for Prepaid Cell Minutes, iTunes, RedBox, Starbucks and More**
- Online Billpay – pay bills, rent, or write personal checks
- No credit check, No bounced check fees, No overdraft fees – Ever!
- Travel in style – Rent cars, reserve hotels, shop online safely.
- Click here for full review.
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Editor's Rating
At Vision Premier secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $4.95 | $2.50 | $9.95 | $9.95 | $30.67 | |||||||
ReadyDebit® Platinum (NO LONGER AVAILABLE)
- Exclusive rewards program
- Best way to get your tax refund fast! Choose E-file and use your ReadyDebitcard account to Direct Deposit your tax refund! Fast, easy, safe and secure.
- Credit ScoreTracker1 at no additional cost
- Easy mobile account access and text alerts
- Easy online bill payment & check writing
- Free† direct deposit – paycheck, benefits, tax refunds
- No credit check,* No overdraft fees or balance minimums
- Reloadable up to $10,000 max balance
- Click here for full review.
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Editor's Rating
At ReadyDebit secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $9.95 | $2.00 | $9.95 | $14.95 | $22.62 | |||||||
Ace Elite® w/Direct Deposit Fee Advantage Plan (NO LONGER AVAILABLE)
- 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.
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Editor's Rating
At Ace Elite secure site
Credit Needed: Poor
Important Consumer Note!Want to get a prepaid Visa with no monthly fees with direct deposit and with more benefits and features such?
If so, then consider the Go2Bank Cash Rebate Visa- Click Here for More Info and to Apply Online in Just Mins (No Fee with Direct Deposit).
(Sponsor Link)
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $4.95 | $2.50 | $0 | $5.00 | $13.00 | |||||||
Important Consumer Note!
No Credit/Bad Credit? Click here to build your credit score using a real credit card (not a prepaid or debit card that won't help your credit)!A high credit score can allow you to get a lower rate loan, lower your insurance premiums and may even help you get a job! (sponsor link)
Ace Elite Fee Advantage Plan (Monthly) NO LONGER AVAILABLE
- Real time activity alerts via text, email, and mobile app. *Standard text messaging rates from your wireless provider apply.
- Easy Online Bill Pay – pay bills, rent, or write personal checks.
- Free 24/7 customer service.
- Your Funds are FDIC-insured through The Bancorp Bank; Member FDIC.
- Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.
- Click here for full review.
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Editor's Rating
At Ace Elite secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $3.95 | $2.95 | $9.95 | $9.95 | $22.40 | |||||||
Prepaid Visa RushCard – Unlimited Plan W/ DIRECT DEPOSIT (NO LONGER AVAILABLE)
- Free account activation
- 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.
- Monthly maintenance fee: $7.95 (or $5.95 if you use direct deposit) or free with the pay-as-you-go plan
- $1 PIN and signature transaction fees for the new pay-as-you-go plan.
- Click here for full review.
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Editor's Rating
At SpendSmart secure site
Credit Needed: Poor
| Purchases | Other Fees | Activation Fee | Monthly Fee | Average Monthly Cost of Ownership | PIN | Signature | Cash Reload | ATM Withdrawal | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $0 | $0 | $0 | $0.00 | $0 | $5.95 | $10.02 | |||||||