Showing 22 Cards
Sort By Column Name:
- No account fees, no balance minimum
- Access to 55,000 ATMs nationwide, fee-free
- The coverage of VISA®, the security of FDIC
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: $0
- Return Payment Penalty Fee: $0
- Over Limit Penalty Fee: $0
- 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
- Earn up to 6.38% cash back in TERN crypto
- Support for 12 cryptocurrencies, including Bitcoin, Litecoin, Ethereum, and more
- No monthly fee after spending at least $750 each month
- Fully FDIC-insured bank account
- Annual Fee: $60
- Foreign Transaction Fee: See Terms
- Earn 1.5% back in bitcoin on every purchase
- No annual fee and no foreign transaction fees
- Earn 2% back in bitcoin on every purchase over $50,000 of annual spending
- Earn 3.5% back in bitcoin during your first 3 months of card ownership
- Know if you're pre-approved without affecting your credit score
- Regular Purchase APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
- 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
- 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
- Create in-app chore lists and attribute them to perks
- Personalize your kids' debit cards with a custom picture
- Set weekly or monthly spending limits
- Get real-time notifications any time the card is used
- Add funds instantly anytime from anywhere
- Foreign Transaction Fee: See Rates
- 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
- No annual fee for the first year
- Earn 1 miles for every $2 spent on eligible purchases
- Miles never expire
- Annual Fee: $0 for the first year, up to $95 after that
- Minimum Deposit Required: $100
- Earn 5X points per $1 on subscriptions, 3X points on food deliver and rideshares, and 1X points on everything else
- Membership includes access to exclusive partner offers through collaborations with up-and-coming brands
- Receive up to a $1,000 reimbursement if a new item bought with the Point Card is damaged or lost within 90 days of the purchase
- Get trip cancellation insurance of up to $1,500 for any out-of-pocket expenses you incur
- Receive both a physical and a virtual card for purchases
- Annual Fee: $49
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
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
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?
Mission Money Visa® Debit Card
- No annual fee
- No hidden fees or servcie fees
- Access to over 55,000 fee-free ATMs
The Mission Money™ Visa® Debit Card is a competitive debit card for people that want the flexibility of a mobile checking account with the fee-free benefits of a fintech card. The card offers users a handy mobile app that can assist them in every aspect of their financial journey. The card might not help build credit, but it certainly can help manage finance life – including savings, credit, and loan accounts with Mission Lane.
It’s the lack of fees that really sets the Mission Money™ Visa® Debit Card apart, however. There are no hidden fees to speak of, with no fee for foreign transactions, inactivity, card purchases, direct deposits, bill payments, in-network ATM withdrawals, ATM balance checks, and more. There are also no monthly maintenance fees to worry about.
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
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.