Prepaid & Debit Cards

Advertiser Disclosure

Prepaid Credit CardsA prepaid and debit card requires that the cardholder load money to the card before it can be used for purchases. As purchases are made, the amounts are deducted from the available balance and the debit card must again be reloaded. These cards are ideal for those who want to avoid the pitfalls of a credit card, such as interest charges or overspending. The following are the best prepaid and debit card offers as selected by the CreditCards.org staff:

Advertiser Disclosure
  • Get paychecks and your tax refund fast with direct deposit!
  • Free direct deposit to help you get your paychecks and government payments up to 2 days faster!*
  • Send WU® money transfers to nearly 500,000 agent locations in over 200 countries and territories on your mobile phone or from the comfort of home.
  • Receive WU® money transfer funds directly onto your card in the online account center.
  • Add cash at over 130,000 reload locations including Western Union®, CVS/pharmacy®, Family Dollar® and participating 7-ELEVEN® locations.
  • Plus: No credit check, late fees, or interest payments because this is not a credit card.
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more.
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A $0* No Credit Check*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR N/A*
Annual Fee $0*
Credit Needed No Credit Check*
  • Trust Brink's with your money. Securing cash and valuables since 1859.
  • Get paid up to 2 days faster with Direct Deposit.
  • Access your money whenever, wherever you are. Use your mobile phone and online Account Center to check your balance, send money, find reload/ATM locations and much more.
  • Let Alerts help you stay connected to your money. Know when your card is used, direct deposit arrives, transaction details and your available balance.
  • Shop securely Online with a Virtual Account so you don't have to use your card number.
  • Add extra protection for shopping in stores by putting your photo on your card.
  • Earn Cash Back via the Payback Rewards program from restaurants, shops and more.
  • $10 Purchase Cushion When You're A Little Short.
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A $0* No Credit Check*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR N/A*
Annual Fee $0*
Credit Needed No Credit Check*
  • Get your tax refund faster when you e-file and use direct deposit.
  • Official Sponsor of the National Breast Cancer Foundation (NBCF).
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.*
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Always know your balance- by mobile app, email, or text message. Standard data rates apply.*
  • Earn cash back on your everyday purchases through Payback rewards - 4 get special offers and account credits when you use them.*
  • Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A up to $9.95 monthly fee* No Credit Check*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR N/A*
Annual Fee up to $9.95 monthly fee*
Credit Needed No Credit Check*
  • Exclusive Rewards Program
  • Free Credit ScoreTracker1
  • Easy Mobile Account Access and Text Alerts
  • Easy Online Bill Payment & Check Writing
  • Free† Direct Deposit %u2014 paycheck, benefits, tax refunds
  • No Credit Check, No Overdraft Fees or Balance Minimums
  • Reloadable up to $10,000 Max Balance
  • Deposit is fully FDIC insured
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A $14.95 monthly fee* No Credit Check*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR N/A*
Annual Fee $14.95 monthly fee*
Credit Needed No Credit Check*
  • $0 Monthly Fee
  • No Minimum Balance
  • No Credit Check. No Overdraft Fee.
  • Free Direct Deposit and Online Bill Payment
  • Use it everywhere Visa Debit Card accepted
  • Now with Purchase Rewards
  • Perfect for Occasional Usage
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A $0* Bad Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR N/A*
Annual Fee $0*
Credit Needed Bad Credit*
  • Get Your paycheck and tax refund faster with direct deposit
  • No credit check needed - 100% Approval* (ID verification required).
  • No credit card debt or late fees because this is not a credit card.
  • Earn cash back for using your card with the NetSpend Payback Rewards program.
  • Get real time activity alerts to your mobile phone or use the Mobile App to manage your account while you're on the go (Message & data rates may apply).
  • Earn up to $20 for every friend you refer.
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details.
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A $0* No Credit Check*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR N/A*
Annual Fee $0*
Credit Needed No Credit Check*
  • Best way to get your tax 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 ChexSystems checks
  • No overdraft fees
  • No bounced checks - Ever!
  • Easy cash reloading at 50,000 + retail locations
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A $0* No Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR N/A*
Annual Fee $0*
Credit Needed No Credit*
  • $0 Monthly Fee
  • No Credit Check or ChexSystems check
  • Instant Account Number
  • Free Direct Deposit - paycheck, benefits, tax refunds
  • Easy 24/7 Online Account Access
  • Earn Purchase Rewards and Refer-a-Friend Cash Bonus
  • Use it Everywhere Mastercard Debit card accepted
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A See Terms* No Credit Check*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR N/A*
Annual Fee See Terms*
Credit Needed No Credit Check*
  • Get Your paycheck and tax refund faster with direct deposit
  • Guaranteed Approval* - No credit check needed (ID verification required).
  • Sign up for NetSpend Payback Rewards and earn cash back.
  • No late fees or credit card debt because this is not a credit card.
  • Use the Mobile App to manage your account on the go and get real time text message alerts (Message & data rates may apply).
  • Customize your card to add a personal touch or an extra layer of security.*
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details.
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A $0* No Credit Check*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR N/A*
Annual Fee $0*
Credit Needed No Credit Check*
  • Get your tax refund faster when you e-file and use direct deposit.
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.*
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Transfer money to another ACE Elite cardholder with no fee.*
  • Always know your balance - by mobile app, email, or text message. Standard data rates apply.*
  • Earn up to 5% APY while you save in an optional savings account.*
  • Earn cash back on your everyday purchases through Payback rewards - get Special Offers and account credits when you use them.*
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A N/A up to $9.95 monthly fee* No Credit Check*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR N/A*
Annual Fee up to $9.95 monthly fee*
Credit Needed No Credit Check*

Related Offers

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Credit Cards › Prepaid & Debit Cards

† This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.