Please note that this page is outdated (2020) and maintained for archival purposes only. However, consumer comments below are still relevant and new debit card ratings and reviews (by folks like you) are still encouraged.

You can also view our current debit card ratings here, including the Step Visa that offers up to 10% cash back (see terms and conditions).

Welcome to our site! Our editors have been covering the credit and debit card space for a total of 30+ years and we are proud to have been featured by the Wall Street Journal, CNN, etc.

Unlike almost all card comparison sites that only list cards that advertise with them, 95% of the cards on our site don’t pay us a dime. This site is powered by consumers like you! 🙂

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Part of the beauty of credit cards and debit cards is their ability to give you rewards. Of course, the rewards only really mean something if you use the cards wisely.

Unfortunately, while cash rebate credit and debit cards have grown in popularity, so has the confusion that surrounds them. Some programs change their rules often. Some provide higher rewards for some purchases but not others (and then they change the categories every quarter). Some cards have restrictions that others don’t.

The point is this: Not all cash back debit cards are created equal. And not every card is going to fit your lifestyle, purchases or financial goals. That’s why it’s important to do your research before signing up for any cash back card. Once you have your card, then it is important to maximize your earnings potential. Visit this link for more detailed reviews where you can easily apply online:

This is part one of a two part article. Click here for part two. And click here for tips on how to maximize your cash back rewards.
Here’s our roundup of some of the best cash back cards for 2016 Also, please see below for the debit card that gives the highest cash rewards or rebates for small purchase amounts that we are aware of.

Rating and Reviews of the USAA Cashback Rewards Checking Debit Card:

Best For Small Purchases:

Please note that you must have a military affiliation to join USAA. USAA has raised the bar on debit card cashback rewards (which typically are significantly less attractive than credit card rebate programs).

This account gives you ten cents back in rewards for every debit card purchase or transaction. So if you make a lot of small debit card purchases, the cash rebate could add up very quickly! A $2.00 purchase would yield you $.20, which is the equivalent of a 5% rebate (hard to get with any credit card rebate program). This checking account also features no monthly service fees, No minimum balance and No USAA fees on the first 10 non-USAA ATM withdrawals each month.

The $25 minimum initial deposit is waived for new recruits. Please note that the Chime Bank debit card gives the highest cash rebate referral that we are are of– $50 for you if you tell a friend or family member about Chime and they sign up (sign up online in 2 mins for more details) and $50 for you when they do.

Arkansas Federal Credit Union (AFCU): AFCU offers a rewards checking account with a high annual percentage rate APR of 3%.

For every $2.00 you spend, you receive 1 point. These points you can redeem for travel, electronics and more. And being a member of the credit union your direct deposited paycheck up to 2 days early.

Rating and Review of the BankAmeriDeals Debit Card:

This Bank of America incentive program allows online and mobile banking customers to enjoy special offers that give cash back perks on debit card purchases made at certain retailers.

The offers are only available through their app or online banking and the details of this program are limited, but they do claim to offer UP TO 15% in cash rewards, though we would guess it’s limited to just a few offers and is probably more like 1-2% back on most eligible purchases. Cardholders must first activate their cards online prior to making any purchases that will earn rebates.

Your BofA account will be automatically credited within 30 days following redemption. You can also activate and redeem deals to earn “Coins”. With the related BankAmeriDeals Coins program, the more coins you earn the more cash back you will get.

Rating and Review of the Axos Cash Rewards Debt Card:

Axos allows you to earn up to $2,000 per month in cash back on signature debit card purchases. Maintain a $1,500 average daily balance and you can earn 1% cash back on signature based transactions. If your average daily balance falls below $1,500 don’t worry they still offer 0.5% cash back.

And again they limit you to $2,000 per month in cash back. Unlimited ATM fee reimbursements for ATM withdrawals within this U.S. The cashback is deposited in to your Axos checking account. Radius Bank (Non Advertiser): Radius, which is a primarily an online bank, offers a cash rewards debit card that gives 1% back on all purchases with its Rewards Checking.

You never pay an ATM fee and there are no monthly or annual fees. They have been around for quite a while.

Finally, Discover offers the the no fee Discover cash back debit card (click for review of related Discover prepaid debit card): This card gives 1% back on all purchases (up to a maximum of $3000 in purchases each month).

You must open a Discover checking account in order to get their debit card. No monthly fee, no fee on orders of checks and no minimum balance or minimum activity requirements (such as requiring you to make so many purchases a month). These are just a handful of checking rewards / cash back accounts offered today.  

Written by Shane Tripcony

BestPrepaidDebitCards.com was launched in March of 2013 by co-founders Curtis Arnold and Shane Tripcony, former CTO of CardRatings.com and a consumer advocate for many years that has been interviewed by various media outlets.

Consumer Debit Card Reviews and Ratings:

Please leave your rating and/or review below to help empower other consumers!

May 6, 2020
Curtis Arnold
My debit card with my credit union is doing something pretty unique in terms of cash rebates. It’s not offering cashback on each purchase or certain types of purchases but rather 1% interest aka dividends on my checking account for balances up to 10K with them if I spend $500 on my debit card and have electric deposits of $500 (like the direct deposit of my paycheck).

If I have an average daily balance in my premium checking account with them, this will give me 100 bucks each month, which is better than the 1 or 2% I would earn on spending $500 on my debit or credit card!

Plus, I avoid a $5 monthly maintenance fee. Anyone else have anything like this?

Scottie Deleay Avatar
April 30, 2020
Scottie Deleay
Before I get a card, thought I would do some research as to the best cashback offer. Would welcome your opinions.

The new WalMart cash rebate card is a capital one card that is tied to Walmart and higher payout on walmart purchases. Better for me since this is where I’ve been getting most of my products for my business.

If you know of a different card that gets best cash rewards with walmart. I found this one through a popup ad from my capital one card directly when paying my credit card bill.

I know your message above isn’t directly about this but seeing what you have on this

I need actually need to apply for two cards… One is for the biz that is connected with WMT and the other personality to replace my choice hotel card.

I don’t have anything for personal card yet. I will say that the any new card I get can not be with chase bank as my profile is still locked up with them on suspicious of fraud activity so need to get this cleared up. I guess I can create a new login. Just still upset with them!

Lacie Smothers Avatar
April 14, 2020
Lacie Smothers
We’ve used the American Airlines credit card since like 2000 I think. We pay the balance in full every billing cycle. If we didn’t, would not be the card of choice. We use it for the miles. We put most expenses on it to get the miles.

Any suggestions?

Curtis Arnold Avatar
April 15, 2020
Curtis Arnold
If your not married to airline reward cards, I think if you did the math you would do better with a 2% cashback program like Citi Double Cash above that gives 2% on all purchases with no caps. Very simple and no fee.

Lacie Smothers Avatar
April 16, 2020
Lacie Smothers
What’s the catch though?? I work for a small business and I think even on my reward credit cards (not debit cards), I pay something like 2.25% in merchant fees as a business.

So who’s paying CitiBank enough to keep their reward card program active? BC Mastercard will take a 0.25% fee.

Esp with a no annual fee card like Citi Double Cash. We pay…$50 or $100 in annual fees, I forget which, for our miles card and the owners credit score is perfect

By the way, We’ve used our air miles card since like 2000 I think. We pay the balance in full every billing cycle. If we didn’t, would not be the card of choice. We use it for the miles. We put most expenses on it to get the miles.

Curtis Arnold Avatar
April 17, 2020
Curtis Arnold
Great Insight as reward cards do charge merchants more (typically less for debit reward programs – The Durbin Amendment limits debit card interchange fees)

All I know is that I’ve used a 2% cash kickback card for years without cutting back and I know it’s partly based on volume. 🤔

Of course part of the answer is that some cardholders end up carrying a balance. 😩

David Avatar
August 15, 2019
David
I use the cash app debit card and save 10% at waffle house and save at Whole Foods. Also can choose the cash boost option to save $1.00 every time I buy coffee at just about any coffee shop. Love it.

Scotty B Avatar
June 10, 2019
Scotty B
All-

For my business, I have a INK from chase biz card that gives cashback. I also have spark capital one biz card that gives 2% back on every purchase. Both of these cards are easily paid off each month. I Never carry a balance nor am I ever late.

Wondering if I could do better with the Citi Double Cash Rebate card (even though I know its not a small biz card) as it also gives 2% back but has no annual fee. The Cap One Biz Card has an annual fee. 🙁 Thoughts?

Jimmy Smothers Avatar
June 1, 2019
Jimmy Smothers
I would say my fav cash back debit card for retail purchase is from amazon – it gives 5% cash back which is the Just same as the amazon Credit card I believe

we’ve had it for years and it’s set up on auto pay so we see our rebate applied automatically through our amazon account every month. Very seamless and easy once every is set up and since its a debit card we don’t have to worry about portential interest charges (not that we ever carry a balance)!

Hope this helps.

Michael J Avatar
May 25, 2019
Michael J
I have used the Citibank Double Cash Card for about 5 years now and love it – we put as much as we can on it to maximize our Annual rebates. For a while we were even able to put on kids private school tuition!

We charge a lot on our card and typically get 500-1000 back every year
That is paid as a statement crsdit.

So I can say cash rebate cards are not a gimmick – this one is Simple an
And straightforward with no caps. Would rate 5 stars ⭐️!

Jimmy Whitsen Avatar
May 24, 2019
Jimmy Whitsen
I love the Edward Jones cash rebate credit card and have used it for many years for personal use (don’t use it for my business). Would rate it with 5 stars. My daughter is a client and I used to be (but continue to use the card for just about everything I can).

I Earn 1 Loyalty rebate Point for every dollar I spend.

I pay my balance in full every month so I pay no interest (I’m a financial coach for a ministry, so try to practice what I preach!). 🙂

Other Resources:

Which Plastic Is the Best? Debit Cards, Credit Cards or Prepaid Cards?

Please note that this page is outdated and maintained for archival purposes only. However, the overall Editor’s rating above is still updated.

Also, be sure to read consumer comments below. New consumer reviews of the Octapharma prepaid debit card (by folks like you) are still encouraged! You can view our current prepaid card reviews here.

Welcome to our site! Our editors have been covering the credit and debit card space for a total of 30+ years and we are proud to have been featured by the Wall Street Journal, CNN, etc.

Unlike almost all card comparison sites that only list cards that advertise with them, 95% of the cards on our site don’t pay us a dime. This site is powered by consumers like you! 🙂

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Product Details: After you give plasma, payment is credited to your card within 24 hours of your donation. You can also get text messages that alert you when there is any transaction on your card.

Activation Fee: None

Monthly Fee: None

PIN Transaction Fee: $.50 each time you make a purchase

Signature Transaction Fee: None- you must choose “credit” (even though it’s a debit card) when checking out and sign the receipt

ATM Withdrawal Fee: $1.50 in network (Allpoint)- no free ATM cash withdrawals.

ATM Out of Network Withdrawal Fee: $1.50 at ATM outside of the Allpoint network plus whatever fee the ATM owner charges (on top of this)

Cash Load Fee (* asterisk indicates third party fees): None as your money that you earn is typically loaded right after you donate plasma

Card Features

Initial Fees

Average Monthly Fees

Bill Pay Fees / Features

Loading Fees / Options

Things We Like
No monthly fee (which most prepaid Visa or MasterCards charge).
No activation or purchase fee.

You can sign up for text alerts that will confirm each time you use use your card and include an updated balance.

Things We Dislike
If you enter you PIN number (which is obviously more secure) like you normally would with any debit card, you are charged a $.50 fee for each purchase. Not a big fee, but annoying and it adds up.
No free ATM withdrawals even if you stay in network (Allpoint).

Posted October 1, 2022 by Curtis Arnold

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Please note that we receive finanical compensation for some links on our site. We carefully screen advertisers and hope they provide value to our readers. These links are labeled “Referral Link” or “Sponsor Link”.

Full Review

Also, your input is invaluable and we’d love to have your positive review or complaint about the Fintwist Prepaid Donor Payment Debit Card (MasterCard) (see below to read other customer complaints – this site is powered by you)!

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)!

FLEETCOR, a leading global business payments company, owns Comdata and issues this offer. According to Wikipedia, Comdata is a payment processor and issuer of fleet fuel cards, corporate spend cards, paperless payroll cards (“paycards”), virtual payments, and trucking permits.

Employers, such as QCI Healthcare, Concorde Career Colleges and Octa Pharma Plasma, typically give this MasterCard out instead to their employees instead of issuing a check as it’s cheaper for the employer and saves the employees from paying high check cashing fees.

Also it’s more convenient thank a paper check, especially if the client or customer doesn’t have a banking relationship. The Octapharma offer is reloadable but you can not load cash or your own money onto the card- in other words, the donation center will reload it after each donation you make (and you will use the same MasterCard each time).

How to File a Complaint Against the Octapharma Prepaid Fintwist Card:

If you have contacted Comdata, that issues this offer, and are unable to resolve your account issues in good faith, we strongly suggest taking the following steps:

1) Please post your account issues and problems at the bottom of this page in our cardholder comments section.

2) Notify Comdata (ask to speak to a manager or decision maker) that you have complained in writing on BestPrepaidDebitCards.com (feel free to take a screen shot and post on social media as well), a consumer advocacy site that has been featured for years in many major national media outlets.

Also, feel free to share that your post can be shared by our site with members of the media (we will change your name to protect your privacy and will certainly not share any personal account info).

3) Consider also filing your grievance with the BBB and Consumer Financial Protection Bureau and your state’s Attorney General Office.

4) Please post any updates to your problem after taking these steps as sharing your experiences will help educate and empower other consumers! 🙂

Are there any fees for using the Octapharma Prepaid Card?

According to their website, your card can be “free of fees for both credit and debit purchases. Credit, point-of-sale transactions are fee-free every time you make a purchase.

The process suggested is to swipe your card, select credit, and sign for your purchase.

Both Northlane and Comdata (issuers of the cards) charge $1.50 fee for ATM withdrawals

You can use the ATM locator associated with your card type to find an in-network ATM that doesn’t charge extra fees:

• Northlane – https://www.moneypass.com/atm-locator.html
• Comdata – https://www.allpointnetwork.com/locator.html

Fintwist Prepaid MasterCard Review (Octapharma, Etc)- Is it Legit or a Scam (Post and Read Cardholder Complaints Below)?

We do like that there is no monthly or activation fee and that it is a cheaper alternative in comparison to check cashing services and that it’s convenient for cardholders.

However, the $.50 fees for EACH debit purchase transaction (Point-of-sale transactions) when using your PIN number add up (most prepaid offers don’t charge for each time you use your card). To avoid this fee, you should swipe you card when checking out, select CREDIT, and sign for purchase- do NOT choose Debit and enter your PIN.

Also, ATM fees to get cash even at “in network ATMs” and ATM fees for balance inquiries, while not high, are annoying and add up. Please note that we reviewed for the Octapharma offer (please check your own card terms and conditions as they may be different).

While we do not believe it is a scam or ripoff (i.e. it is legit), especially since may large companies contract with this Comdata, the bottom line is that there are other prepaid debit cards that have better and more benefits (such as the new no fee Chime card below and Go2Bank Visa that has features that Fintwist doesn’t offer) (click to read reviews and apply online).

It is hard to find customer reviews of the Fintwist debit offer online, so PLEASE add your any issues your have had and/or good experiences (see cardholder comments below). An expert will typically respond to your question or issue within 24 hrs. and your post will help empower other consumers! 🙂

Consumer Note! Want to get a prepaid Visa that you can reload (the Fintwist Visa is not reloadable) with all the benefits and features of a regular bank account?

Wanting to build or rebuild your credit (having a high credit score can save you lots of money)? Want to get paid 2 days early?

If so, then consider the Brand New Go2Bank Cash Rebate Visa- Click Here for More Info and to Apply Online in Just Mins (No Fee with Direct Deposit). (Sponsor Link)

If you have a customer or consumer complaints (fraud, etc) or praises about the Fintwist offer, then please post your opinions and problems below (and read the other helpful cardholder reviews at the bottom of this page)! Comments and questions are welcome as well- an expert typically replies within 24 hours.

Editorial Note!:
“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone, including this review and the reviews written by actual cardholders below.”

Consumer Reviews and Ratings of Octapharma Prepaid Visa and MasterCard:

James Wright February 27, 2023 at 10:15 pm
If you donate on weekend, they don’t do direct deposit until the following Tuesday, using our $$$ interest free. Then if you call in and can actually get a live person you may hear roosters crowing in the background. POOR business model! They should be ashamed!!!

Bridgett Beatty May 10, 2022 at 6:32 pm
This card was supplied to me when I started donating plasma. I was saving for a vacation and had quite a bit saved on there. My purse was stolen and someone was able to use all of my funds on that card. They have a dispute department and said they would do an investigation and get back to me within 21 days.

It has been over 2 months, I have heard nothing. I have called every week being told the same thing…that there are no notes or results from my dispute….I’ve sent emails and spoke to supervisors and no one can help me or tell me anything.

It’s like they are just going to ignore it entirely! Do not recommend companies to use this prepaid card service!

Richard September 29, 2021 at 9:31 pm
I Been a victim twice comdata/fraud.. folks if u guys have this card get rid of it asap. You will thank me later

Curtis Arnold October 4, 2021 at 8:42 pm
Richard-

Thanks for sharing your consumer rating of Comdata. Can you tell us more about the fraud you experienced and where you able to get your money back? Pls advise.

Dawna K Keilman September 27, 2021 at 3:49 pm
I agree that a card of this type is appropriate for funds from plasma donations or other types of bonus income, but to force this on your employees as the only way to accept a paycheck unethical. No, it’s not a scam as such. But, all of the fees and conditions make it extremely difficult for the huge population of working poor to hold onto as much of their hard earned money as possible.

As an example, to put gas in my car, the cheapest station offers $.15/gal off when I pay with cash and use their rewards. Great until you factor in the fees for using any transaction requiring a pin to get cash. Pretty much cancels each other out.

And, yes, you do have the option to transfer your money to another account, if you can wait 1-5 MORE business days for your money to be available. Who has time for that?

I see this as a cheap and easy way for an employer to pay employees and not have to actually think of them as human and is (maybe) just one step above payday loans and “the company store” business model of our early mining and manufacturing days. All of which are practices that help to perpetuate the unending cycle of generational poverty.

This is just an updated, dressed-up way for wealthy business owners and executives to stay richer than the workers.

Clay Armstrong May 7, 2021 at 3:41 am
Octapharma is a good deal. I give convalescent plasma and get paid 50 dollars and it’s loaded instantly on my MasterCard.

I also set up text notifications and get notified each time I make a purchase and it includes my new balance.

The only problem I’ve had is getting charged a 50 cent fee if I enter my PIN number when paying for something. So now I just choose credit or click cancel if prompted to enter my pin. 😉

Edward Fast May 5, 2021 at 3:08 am
I love using the Octapharma MasterCard and havent had any problems and will give it a good rating. The money loads fast onto it right after I donate plasma.

I would give it 5 stars, but I can’t get cash back like I used to at Kroger when I could buy something for 50 cents and pay a .50 cent fee and could get the rest of my balance in cash.

Now, I have to go to CVS pharmacy now and can only get cashback in small increments (like 40 bucks) instead of getting all the money off the card like I used to. Other than that, no real issues.