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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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BlockCard Prepaid Visa® Card

BlockCard Prepaid Visa® Card
  • Annual Fee $60
  • Credit Needed No Credit Required
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Annual Fee: $60
  • Foreign Transaction Fee: See Terms
Credit Card Deals
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
card
Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 2% on purchases of $20 or more Panda Express Offer Expires on Jul 07, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details
card
Save 5% on all purchases CoffeeForLess.com Offer Expires on Jun 06, 2021 See Details
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Save 2% on purchases of $25 or more Corner Bakery Cafe Offer Expires on Oct 10, 2021 See Details
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Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details

BlockFi Rewards Visa® Signature Credit Card

BlockFi Rewards Visa® Signature Credit Card
  • Regular Purchase APR See Terms
  • Balance Transfer APR See Terms
  • Cash Advance APR See Terms
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: See Terms
  • Balance Transfer APR: See Terms
  • Balance Transfer Transaction Fee: See Terms
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: See Terms
  • Penalty APR: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
  • Over Limit Penalty Fee: See Terms
Credit Card Deals
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
card
Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 2% on purchases of $20 or more Panda Express Offer Expires on Jul 07, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details
card
Save 5% on all purchases CoffeeForLess.com Offer Expires on Jun 06, 2021 See Details
card
Save 2% on purchases of $25 or more Corner Bakery Cafe Offer Expires on Oct 10, 2021 See Details
card
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details

Coinbase Card

Coinbase Card
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network Visa
Best Benefits
  • Spend any asset in your Coinbase portfolio and earn rewards for each purchase
  • Spend crypto everywhere Visa debit cards are accepted
  • No annual fee or signup fee
  • Phone and email support available whenever you need it
Rates & Fees
  • Foreign Transaction Fee: See Terms
  • Over Limit Penalty Fee: See Terms
  • Minimum Deposit Required: See Terms
Credit Card Deals
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
card
Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 2% on purchases of $20 or more Panda Express Offer Expires on Jul 07, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details
card
Save 5% on all purchases CoffeeForLess.com Offer Expires on Jun 06, 2021 See Details
card
Save 2% on purchases of $25 or more Corner Bakery Cafe Offer Expires on Oct 10, 2021 See Details
card
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details

Fold Visa® Prepaid Card

Fold Visa® Prepaid Card
  • Annual Fee Up to $150
  • Credit Needed No Credit Required
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Annual Fee: Up to $150
  • Foreign Transaction Fee: See Terms
  • Over Limit Penalty Fee: See Terms
  • Minimum Deposit Required: See Terms
Credit Card Deals
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
card
Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 2% on purchases of $20 or more Panda Express Offer Expires on Jul 07, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details
card
Save 5% on all purchases CoffeeForLess.com Offer Expires on Jun 06, 2021 See Details
card
Save 2% on purchases of $25 or more Corner Bakery Cafe Offer Expires on Oct 10, 2021 See Details
card
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details

Crypto.com Visa Card

Crypto.com Visa Card
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network Visa
Best Benefits
  • Earn rewards paid in CRO token
  • Earn rewards towards rebates with selected merchants
  • Industry events access
  • Five card tiers with increasing rewards per tier
  • Priority customer service
Rates & Fees
  • Foreign Transaction Fee: See Terms
  • Over Limit Penalty Fee: See Terms
  • Minimum Deposit Required: See Terms
Credit Card Deals
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
card
Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 2% on purchases of $20 or more Panda Express Offer Expires on Jul 07, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details
card
Save 5% on all purchases CoffeeForLess.com Offer Expires on Jun 06, 2021 See Details
card
Save 2% on purchases of $25 or more Corner Bakery Cafe Offer Expires on Oct 10, 2021 See Details
card
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details

Greenlight Prepaid Mastercard

Greenlight Prepaid Mastercard
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Foreign Transaction Fee: See Rates
Credit Card Deals
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Save 5% Budget Offer Expires on Dec 12, 2030 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Save 1% Fuelman Network Offer Expires on Dec 12, 2030 See Details
card
Save 5% Microsoft Search Offer Expires on Dec 12, 2030 See Details

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
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Save 5% Budget Offer Expires on Dec 12, 2030 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Save 1% Fuelman Network Offer Expires on Dec 12, 2030 See Details
card
Save 5% Microsoft Search Offer Expires on Dec 12, 2030 See Details

Kroger Rewards Prepaid Visa®

Kroger Rewards Prepaid Visa®
  • Annual Fee $59.40
  • Credit Needed No Credit Required
  • Processing Network Visa
Best Benefits
  • Enjoy 50% MORE fuel points on grocery purchases every da
  • Get exclusive offers like a 2% discount off Kroger Brands, including Simple Truth®, Kroger® Brand and more
  • Earn 1x points for all other purchases
  • Easy and secure — save time, earn fuel points and grocery rewards with one card swipe
Rates & Fees
  • Annual Fee: $59.40
  • Foreign Transaction Fee: 3% of transaction amount
Credit Card Deals
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
card
Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 2% on purchases of $20 or more Panda Express Offer Expires on Jul 07, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details
card
Save 5% on all purchases CoffeeForLess.com Offer Expires on Jun 06, 2021 See Details
card
Save 2% on purchases of $25 or more Corner Bakery Cafe Offer Expires on Oct 10, 2021 See Details
card
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details

Kroger Rewards Prepaid Mastercard®

Kroger Rewards Prepaid Mastercard®
  • Annual Fee $59.40
  • Credit Needed No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No overdraft fees
  • Protected from all liability for unauthorized transactions with Zero Liability
  • There are multiple ways to add funds to your card
  • Use your Reloadable Prepaid Card anywhere Mastercard cards are accepted worldwide
Rates & Fees
  • Annual Fee: $59.40
  • Foreign Transaction Fee: 3% of transaction amount
  • Minimum Deposit Required: $10
Credit Card Deals
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Save 5% Budget Offer Expires on Dec 12, 2030 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Save 1% Fuelman Network Offer Expires on Dec 12, 2030 See Details
card
Save 5% Microsoft Search Offer Expires on Dec 12, 2030 See Details

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
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Save 5% Budget Offer Expires on Dec 12, 2030 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Save 1% Fuelman Network Offer Expires on Dec 12, 2030 See Details
card
Save 5% Microsoft Search Offer Expires on Dec 12, 2030 See Details

#

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!