Best Prepaid Debit Cards Page 5

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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.

NetSpend Prepaid (Pay As You Go)

  • Get Paid up to 2 days faster with direct deposit paychecks and government benefit checks
  • Get your tax refund faster when you e-file and use direct deposit
  • 100% Approval – No credit check needed (ID verification required).
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone.
  • Prescription Discounts – up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Click here for full review.

Editor’s Rating

At NetSpend secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$2.00$1.00$0$2.50$0$0$23.95

ReadyDebit® Visa Latte Control Prepaid Card

  • Best way to get your text refund fast! Choose E-file and use your ReadyDebit card account to Direct Deposit your tax refund! Fast, easy, safe and secure.
  • $0 Monthly fee†
  • No credit checks* or ChexSystem checks
  • No overdraft fees
  • No bounced checks – Ever!
  • Free direct deposit
  • Credit ScoreTracker with Free† direct deposit
  • Easy cash reloading at 50,000 + retail locations
  • Click here for full review.

Editor’s Rating

At ReadyDebit secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$1.00$1.00$0$2.50$9.95$0$8.08

ReadyDebit® Visa Mint Control Prepaid Card

  • Best way to get your text refund fast! Choose E-file and use your ReadyDebit card account to Direct Deposit your tax refund! Fast, easy, safe and secure.
  • $0 Monthly fee†
  • Free† direct deposit
  • ScoreTracker with Free direct deposit
  • No credit checks* or ChexSystem checks
  • No overdraft fees
  • No bounced checks – Ever!
  • Easy cash reloading at 50,000 + retail locations
  • Click here for full review.

Editor’s Rating

At ReadyDebit secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$1.00$1.00$0$2.50$9.95$0$8.08

Ace Elite (Pay As You Go)

  • Free direct deposit – get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • 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

At Ace Elite secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$2.00$1.00$3.95$2.50$9.95$0$24.95

AccountNow Gold Visa® Prepaid Card

  • Get paid up to 2 days faster with Free Direct Deposit † – get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval – upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • $10,000 balance limit. Your alternative to a traditional bank account. Deposits are FDIC insured.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • Click here for full review.

Editor’s Rating

At AccountNow secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$4.95$2.50$0$9.95$19.40

AccountNow Visa® Prepaid Classic

  • 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.

Editor’s Rating

At AccountNow secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$1.00$1.00$4.95$2.50$4.95$0$29.31

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)
  • Click here for full review.

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®

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

Bill My Parents® Reloadable Prepaid MasterCard

  • 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.

Editor’s Rating

Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$2.95*$1.50$0$3.95$9.90

Akimbo Visa® Prepaid Card

  • 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.

Editor’s Rating

At Akimbo secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0.99$0$4.95$1.98$0$0$23.19

SmartyPig

  • Get paid up to 2 days faster with free direct deposit of paychecks and government benefits*
  • Free Anytime Alerts™ – Get your balance and transactions via text or email*
  • Free Direct Deposit – Get paid up to 2 days faster, don’t stand in line or pay check cashing fees*
  • Secure: Card funds are backed by Visa® Zero Liability*
  • Click here for full review.

Editor’s Rating

At SmartyPig secure site
Credit Needed: Poor

PurchasesOther FeesActivation FeeMonthly FeeAverage Monthly Cost of Ownership
PINSignatureCash ReloadATM Withdrawal
$0$0$0$1.95$0$0$29.00


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