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Browse the Best Prepaid Cards

Choosing among the best prepaid cards can be easy with BestCards.com. Review our comprehensive prepaid card reviews to narrow down your picks. Check out our list of cards below and find your ideal match today.

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Date Reviewed: January 04, 2021

PayPal Prepaid Mastercard®

PayPal Prepaid Mastercard®
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Add money to your card via direct deposit or at any of the 130,000+ NetSpend Reload Network locations nationwide
  • Refer-A-Friend program allows you and the person you refer to both earn a $20 credit
  • Stay on top of your account and your money with the PayPal Prepaid mobile app
  • Receive special offers and Payback Rewards when you shop at qualifying stores
Rates & Fees
  • Foreign Transaction Fee: 2.5% of the transaction amount in U.S. dollars
Credit Card Deals
  • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
  • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
  • Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
  • Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
  • Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
  • Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
  • Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
  • Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
  • Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
  • Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
  • View All Deals -

Date Reviewed: October 22, 2020

Kroger Rewards Prepaid Visa®

Kroger Rewards Prepaid Visa®
  • Annual Fee $59.40
  • Credit Needed No Credit Required
  • Processing Network Visa
Best Benefits
  • Earn 3x points on Kroger's brand purchases
  • Earn 2x points when shopping at Kroger's
  • Earn 1x points for all other purchases
  • Earn $5 for every 1000 points earned to use toward free groceries!
Rates & Fees
  • Annual Fee: $59.40
  • Foreign Transaction Fee: 3% of transaction amount
  • Minimum Deposit Required: $10
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase at Harry & David - Offer Expires on December 31, 2021 - See Details
  • Troon® Golf for Visa Infinite - Offer Expires on January 26, 2022 - See Details
  • Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: October 22, 2020

Kroger Rewards Prepaid Mastercard®

Kroger Rewards Prepaid Mastercard®
  • Annual Fee $59.40
  • Credit Needed No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Earn 3x points on Kroger's brand purchases
  • Earn 2x points when shopping at Kroger's
  • Earn 1x points for all other purchases
  • Earn $5 for every 1000 points earned to use toward free groceries!
Rates & Fees
  • Annual Fee: $59.40
  • Foreign Transaction Fee: 3% of transaction amount
  • Minimum Deposit Required: $10
Credit Card Deals
  • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
  • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
  • Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
  • Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
  • Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
  • Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
  • Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
  • Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
  • Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
  • Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
  • View All Deals -

Date Reviewed: September 10, 2020

Netspend® Small Business Prepaid Mastercard

Netspend® Small Business Prepaid Mastercard
  • Annual Fee $119.40 ($9.95 per month)
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Accept Card Payments With ProPay®
  • Earn rebates with Mastercard Easy Savings®
  • Easily manage employee spending
  • Separate business expenses from personal expenses
  • No minimum balance
Rates & Fees
  • Annual Fee: $119.40 ($9.95 per month)
  • Foreign Transaction Fee: 3.5% of the transaction amount in U.S. dollars
Credit Card Deals
  • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
  • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
  • Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
  • Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
  • Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
  • Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
  • Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
  • Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
  • Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
  • Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
  • View All Deals -

Date Reviewed: September 10, 2020

Netspend Prepaid Mastercard

Netspend Prepaid Mastercard
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Get paid faster with Netspend Direct Deposit
  • No late fees or interest charges
  • Can be used anywhere MasterCard Debit cards are accepted
  • Choose from several card designs
Rates & Fees
  • Foreign Transaction Fee: 3.5% of the transaction amount in U.S. dollars
Credit Card Deals
  • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
  • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
  • Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
  • Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
  • Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
  • Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
  • Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
  • Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
  • Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
  • Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
  • View All Deals -

Date Reviewed: December 04, 2019

American Express Serve®

American Express Serve®
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network American Express
Best Benefits
  • Get your money up to 2 days faster with early direct deposit
  • Free withdrawals at over 24,000 MoneyPass ATM locations nationwide
  • Transfer cash or pay bills online without a hassle
  • Access and manage your account on the go via your phone
Rates & Fees
  • Foreign Transaction Fee: 2.7% on each transaction after conversion to U.S. dollars
Credit Card Deals
  • Spend $500 or more, get $100 back - Offer Expires on April 02, 2021 - See Details
  • Spend $149 or more, get $75 back - Offer Expires on September 02, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on October 02, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on July 03, 2021 - See Details
  • Spend $60 or more, get $12 back - Offer Expires on March 30, 2021 - See Details
  • Spend $44 or more, get $15 back - Offer Expires on April 04, 2021 - See Details
  • Get 15% back on purchases, up to $25 - Offer Expires on June 30, 2021 - See Details
  • Get 15% back on purchases, up to $25 - Offer Expires on June 30, 2021 - See Details
  • Get 30% back on purchases, up to $60 - Offer Expires on April 15, 2021 - See Details
  • View All Deals -

Date Reviewed: November 30, 2020

Bluebird® by American Express

Bluebird® by American Express
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network American Express
Best Benefits
  • Send and receive money, link your debit card to your Account, and add funds via direct deposit
  • Enjoy American Express cardmember benefits like purchase and fraud protection, as well as roadside assistance, exclusive access to entertainment and sporting events a more
  • Free (and Flexible) Direct Deposit, no monthly fees and no overdraft fees, and free Bill Pay
  • Use your card to shop anywhere American Express is accepted
Rates & Fees
    Credit Card Deals
    • Spend $500 or more, get $100 back - Offer Expires on April 02, 2021 - See Details
    • Spend $149 or more, get $75 back - Offer Expires on September 02, 2021 - See Details
    • Spend $250 or more, get $50 back - Offer Expires on October 02, 2021 - See Details
    • Spend $100 or more, get $20 back - Offer Expires on July 03, 2021 - See Details
    • Spend $60 or more, get $12 back - Offer Expires on March 30, 2021 - See Details
    • Spend $44 or more, get $15 back - Offer Expires on April 04, 2021 - See Details
    • Get 15% back on purchases, up to $25 - Offer Expires on June 30, 2021 - See Details
    • Get 15% back on purchases, up to $25 - Offer Expires on June 30, 2021 - See Details
    • Get 30% back on purchases, up to $60 - Offer Expires on April 15, 2021 - See Details
    • View All Deals -

    Date Reviewed: December 03, 2019

    Starbucks Rewards™ Visa® Prepaid Card

    Starbucks Rewards™ Visa® Prepaid Card
    • Annual Fee None
    • Credit Needed No Credit Required
    • Processing Network Visa
    Best Benefits
    • Earn 150 Bonus Stars the first time you use your card to add money to your Starbucks account
    • Earn 1 Starbucks Rewards® Star for every $10 you spend
    • Get automatic Starbucks Rewards™ Gold status
    • No monthly, annual, or reload fees
    • Stars won't expire
    Rates & Fees
    • Foreign Transaction Fee: 3% of amount after conversion to U.S. dollars
    • Minimum Deposit Required: $25 initial load
    Credit Card Deals
    • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
    • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
    • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
    • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
    • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
    • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
    • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
    • Save 15%* off the Merchandise Value** of your purchase at Harry & David - Offer Expires on December 31, 2021 - See Details
    • Troon® Golf for Visa Infinite - Offer Expires on January 26, 2022 - See Details
    • Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card - Offer Expires on December 31, 2021 - See Details
    • View All Deals -

    Date Reviewed: July 27, 2020

    Green Dot Prepaid Visa® Card

    Green Dot Prepaid Visa® Card
    • Annual Fee None
    • Credit Needed No Credit Required
    • Processing Network Visa
    Best Benefits
    • No activation fee when you request the card online
    • No minimum balance required
    • No fees charged for overdrafting
    • No credit check required to get the card
    Rates & Fees
    • Foreign Transaction Fee: 3% of total transaction amount
    Credit Card Deals
    • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
    • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
    • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
    • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
    • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
    • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
    • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
    • Save 15%* off the Merchandise Value** of your purchase at Harry & David - Offer Expires on December 31, 2021 - See Details
    • Troon® Golf for Visa Infinite - Offer Expires on January 26, 2022 - See Details
    • Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card - Offer Expires on December 31, 2021 - See Details
    • View All Deals -

    Date Reviewed: September 10, 2020

    Netspend® Visa® Prepaid Card

    Netspend® Visa® Prepaid Card
    • Annual Fee $0
    • Credit Needed No Credit Required
    • Processing Network Visa
    Best Benefits
    • Get paid faster with Netspend Direct Deposit
    • No late fees or interest charges
    • Can be used anywhere Visa Debit cards are accepted
    • Choose from various card designs
    Rates & Fees
    • Annual Fee: $0
    • Foreign Transaction Fee: 3.5% of the transaction amount in U.S. dollars
    • Minimum Deposit Required: $10
    Credit Card Deals
    • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
    • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
    • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
    • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
    • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
    • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
    • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
    • Save 15%* off the Merchandise Value** of your purchase at Harry & David - Offer Expires on December 31, 2021 - See Details
    • Troon® Golf for Visa Infinite - Offer Expires on January 26, 2022 - See Details
    • Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card - Offer Expires on December 31, 2021 - See Details
    • View All Deals -

    #

    What is a Prepaid Card?

    When you search for information on prepaid cards, “prepaid credit card” is a term that frequently pops up across the internet. This may lead you to wonder, just what is a prepaid credit card and how is it different from a prepaid debit card? The truth is, both of these terms refer to the same type of card, with the latter being a bit more accurate.

    When consumers seek out the best prepaid credit cards, they’re looking for an alternative to traditional banking. Unlike credit cards, prepaid cards don’t follow the “pay later” model. Instead, cardholders load them with funds they already have access to in order to make purchases.

    Unlike debit cards, these spendable funds don’t necessarily come directly from a bank account. Yet despite their unique model, prepaid cards can be used just about anywhere that accepts credit and debit cards. Since they require funds upfront rather than borrowing from a credit line but don’t require a bank account, they can serve as great budgeting tools.

    Secured Credit Card Comparison

    Prepaid cards may sound a lot like secured credit cards since both involve a deposit, can help curb debt, and work with just about any merchant. However, this is where the similarities end. First and foremost, one is a credit card, while the other functions more like a reloadable gift card with debit card perks. A prepaid Visa debit card won’t build credit, or charge an interest rate. There is no credit check to open an account, either.

    Debit Card Comparison

    Though “best-prepaid debit cards” is another popular search term, these aren’t quite the same as debit cards either. Debit cards come attached to bank accounts – usually checking accounts – and draw funds from there. Meanwhile, prepaid cards only have access to the funds loaded directly onto them.

    They‘re not directly connected to a bank account, though one may be linked for the purpose of online transfers. Yet many of the features that come with a debit card and checking and savings account are available with prepaid cards as well, including:

    • Online bill pay
    • Account access through a mobile app
    • Direct deposit
    • ATM access
    • Money transfers
    • Easy replacement of lost or stolen cards

    How Do Prepaid Cards Work?

    To apply for a prepaid card, first you need to choose an issuer. Plenty of financial institutions offer these cards, from Chase to American Express. Some are even cobranded with companies like Walmart,  PayPal, and Starbucks. There’s no credit check involved in the application process, so getting one is as simple as submitting the necessary form, which you can generally do online.

    How to Load and Reload Funds

    Once you have your prepaid card, you can load your funds onto it in a number of ways. You cannot, however, transfer money from credit card to prepaid card online. If you happen to have a checking account and just want this card as a budgeting tool, you can link the card to your account to make transfers.

    Alternately, you can set up direct deposit on your prepaid card. That means you have funds from your paycheck or government benefits loaded directly onto the card each month.

    Participating retailers may also be able to reload your card at the register. This can either be done using cash you have on-hand, or with the purchase of a reload pack, such as a MoneyPak. MoneyPaks operate like gift cards, so you purchase them at the register to load them with your cash. Then, you visit the MoneyPak website and input the MoneyPak code along with your prepaid card number to transfer the funds over.

    Do Prepaid Cards Charge Fees?

    While the fees and interest charges that accompany credit cards don’t apply to prepaid cards, they do incur their own fees. In fact, this is one of their bigger downsides to having a prepaid card. Depending on the card you get you may need to pay a variety of fees, including:

    • An activation fee when you purchase the card
    • Monthly fees for maintenance
    • A fee each time you reload the card
    • ATM fees if you need to take cash out of the account

    Pros and Cons of Reloadable Prepaid Cards

    Prepaid cards can be a great budgeting tool for the right wallet, but there are also a few reasons why these cards aren’t as popular as credit cards and debit cards. Prepaid cards can also offer a safer alternative to carrying cash around. This is why some parents give these cards to their children in place of a cash allowance.

    Travelers visiting the United States can also use them in lieu of carrying cash or applying for a U.S. credit card. Some even recommend giving prepaid cards over gift cards, since they allow for more flexibility.  Some prepaid cards also provide free reloads.

    However, prepaid cards may also come with certain disadvantages and limitations. Aside from excessive fees, some don’t allow you to use them for car rentals and similar purchases. Though consumers with bad credit can use them, they don’t help rebuild credit like secured cards do.

    Find the Best Prepaid Cards

    We’ve reviewed hundreds of offers from over 100 card issuers, with an unbiased approach to help you navigate you options. If you need a little more background on all things related to credit cards, check out our additional resources as well. Find your best card now!