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Aspiration Debit Card
- Annual Fee None ($7.99/month for the Aspiration Plus)
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Mastercard
- Get a sleek debit card made from recycled plastic
- Earn up to 1% APY interest on your Save Account
- Get one out-of-network ATM fee reimbursed per month
- Deposits do not fund fossil fuel exploration or production
- Option to plant a tree with every roundup
- Annual Fee: None ($7.99/month for the Aspiration Plus)
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars when using foreign ATMs
- Minimum Deposit Required: $10
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Join today!M1 Visa® Debit Card
- Annual Fee None
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Visa
- No annual fee
- Seamlessly integrates with M1's Invest and Borrow services
- Use the M1 Spend debit card anywhere Visa® is accepted
- Upgrade to M1 Plus for even more benefits and tools
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
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Join today!GO2bank Visa® Debit Card
- Annual Fee None
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Visa
- Overdraft protection up to $200 with opt-in and eligible direct deposit
- Get your pay up to 2 days early with direct deposit
- Free nationwide ATM network Refer a friend, and you both get $50
- *See additional terms and conditions at GO2bank.com
- Over Limit Penalty Fee: No monthly fees with eligible direct deposit, otherwise $5 per month
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Join today!Fold Visa® Prepaid Card
- Annual Fee Up to $150
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Visa
- Get access to Fold+ member pricing on Amazon gift cards
- Each purchase activates a spin on the Spin Wheel Sweepstakes
- Enjoy boosted merchant offers
- Get up to 100% back in rewards after your purchases
- Annual Fee: Up to $150
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
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Join today!Albert Mastercard®
- Annual Fee See Terms
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Mastercard
- Earn $150 when you receive a qualifying direct deposit and use your Albert debit card
- Get your paycheck up to 2 days early with direct deposit with Albert Cash
- Earn cash back rewards when you buy groceries, gas, food and more with your Albert debit card
- No hidden fees ($0 minimum balance requirements, no maintenance fees and no instant fees)
- Genius subscribers can withdraw cash fee-free at 55,000+ ATMs
- Albert Cash and Albert Savings accounts are FDIC-Insured
- Annual Fee: See Terms
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
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Join today!Divvy Credit Builder
- Annual Fee None
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Visa
- Easy online application – can be completed in a few easy steps
- Earn Divvy Rewards and control your earnings based on your payoff schedule
- Track spend in real time from anywhere
- Issue secure virtual cards that are tied to your account and protected against fraud and overspending
- Save hours of accounting work with Divvy's card-plus-software integrations
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
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Join today!Walmart MoneyCard®
- Annual Fee None. $5.94 monthly fee
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Mastercard
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
- *Please see site for full terms and conditions.
- Annual Fee: None. $5.94 monthly fee
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Minimum Deposit Required: See Terms
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Join today!Current Debit Visa Card
- Annual Fee See Terms
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Visa
- No hidden fees
- Earn up to 15X points at over 14,000 participating merchants in the U.S.
- Get paid up to 2 days early when you sign up for direct deposit
- Free instant money transfers, spending notifications, spending limits, and more
- Annual Fee: See Terms
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
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Join today!Affirm Debit+™ Card
- Regular Purchase APR See Terms
- Annual Fee None
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Visa
- No annual fee
- Pay up front, or pay over time—interest-free
- Split big purchases at 0% APR
- Regular Purchase APR: See Terms
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Join today!Disney® Visa® Debit Card
- Annual Fee None
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Visa
- Save 10% on select purchases at Disney store and shopDisney.com
- Pose for special photos at our private Cardmember locations at Walt Disney World® Resort and the Disneyland® Resort
- 10% off select merchandise purchases of $50 or more at select Disney locations
- 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort.
- 10% off the non-discounted price of select recreation experiences at Walt Disney World® Resort.
- Foreign Transaction Fee: 3% of the transaction in U.S. dollars
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!You've viewed 10 of 25 credit cards
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 Comparisons
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.
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
What Are the Best Prepaid/Reloadable Cards?
Fold Visa® Prepaid Card
- Earn Bitcoin Rewards On Everything!
- Win Up to 100% Back on Every Purchase
- Every Purchase Earns a Spin
☆ Access to Fold+ Member Pricing
☆ Boosted Merchant Offers
☆ Limitless Rewards
☆ Instant Bitcoin Rebates
The Fold crypto debit card is an exciting option to consider for those that don’t want the hard inquiry on their credit report but want to earn rewards with every purchase. And, since the market for Bitcoin has generally been hot over the past few years, the chance is there to make significantly more money in BTC than you’d typically get with a credit card. Fold cardholders earn a spin every time they make an eligible purchase of $3 or more. Make a purchase, get a spin. It’s that simple. Some of the rewards on offer include 25% back in Bitcoin rewards, fixed amounts (around $2.50 worth of Bitcoin crypto), or even a single Bitcoin – currently trading at over $30,000 per coin!
Greenlight Prepaid Mastercard
- Create and Assign Chores in App
- Personalize Your Teen's Debit Card
- Set Weekly Spending Limits
☆ No minimum age requirements
☆ FDIC insured
☆ Financial skills and knowledge base
☆ Optional investment feature
The Greenlight Prepaid Debit Card is a debit card account for children but controlled by parents. Kids get access to a fully customizable Mastercard debit card and can earn via chores or other tasks. At the same time, parents can set tasks, pay upon their completion, and monitor their kids’ spending habits – all from their mobile phones.
What is a Debit Card?
Prepaid Card and Debit Card Comparisons
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
What Are the Best Debit Cards?
Check out BestCards.com’s pick for one of the best debit cards you can add to your wallet today.
Aspiration Debit Card
- Sleek debit card made from recycled plastics
- Earn up to 1% APY on Save Accounts
- Deposits never fund fuel exploitation or production
☆ No Annual Fee
☆ Option to Plant Trees w/ Every Purchase
☆ No Credit Check Required
☆ Earn More w/ Aspiration Plus
There are plenty of cash back debit card programs on the market today, but Aspiration is something different. The card – and the program – offers conscientious consumers the chance to save money and help the planet at the same time. The carbon offset with the Aspiration Plus is an excellent feature – especially for those who commute but hate the damage they are doing to the planet while doing so. However, even the basic plan offers the chance to plant trees through the round-up option on purchases.
This means that no matter what you pay for the service, you’ll be helping out Mother Earth. Add to that the impressive array of perks and protections that comes with a World Mastercard debit product, and the Aspiration Card is an exciting debit card that any Earth-conscious consumer should consider getting.
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