Best Prepaid & Debit Card Offers

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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

Establishing your credit for the first time? We advise to familiarize yourself with managing a credit card by getting one of top-rated prepaid cards that we´ve reviewed for best match for you. Prepaid credit cards offer guaranteed approval for all customers, do not require credit history, and can be used just like a regular credit card for online purchases and bill payments. Best of all, you do not have to worry about interest rates, late fees or exceeding your credit limit. Keep in mind, Prepaid Cards are invisible in your Credit History and will not affect your credit score. Rather, they are designed to teach you budgeting card payments and provide you with secure way to shop. Scroll down to find the right card for you!

Best Prepaid Cards

Best of the Best
No Credit Check
Earn Payback Rewards
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Activation Fee $4.95; one-time charge
Guaranteed Approval Yes
Credit Check No
Build Credit No
$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check. No Overdraft Fees, ever.
  • Free* Direct Deposit and Online Bill Payment
 
Consumer Rating: 4 / 5

Other Prepaid Cards

You can sort items by clicking on the table header

How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Activation Fee
Guaranteed Approval
Credit Check
Build Credit
Apply
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
See terms Yes! No No
 
Consumer Rating: 5 / 5
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
See website for Details* Yes! No No
 
Consumer Rating: 4 / 5
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • Free* Direct Deposit
  • No Credit Check or ChexSystems Checks
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay
  • *See Program Rules
Click the Compare link to compare the checked cards side-by-side at the comparison table.
See website for Details* Yes! No No
 
Consumer Rating: 5 / 5
  • Get Paid up to 2 days Faster with Free Direct Deposit * - Get Your Paycheck or Benefits Checks in Your Card Account and Access Your Funds up to 2 days Earlier Than Payday.
  • No CreditCheck to Get a Card. No ChexSystems Check. No Existing Bank Account Required.
  • $0 Activation Fee*. No Minimum Balance. No Risk of Overdraft fees.
  • $15 Bonus* with Qualifying Direct Deposit. Never Pay to Cash Your Paychecks and Get Your Pay Faster.
  • Use it Everywhere Visa Debit Cards are Accepted and Pay Anyone with PayAnyone Bill Pay. Shop Online, Rent a Car, Pay Your Rent and More.
  • Easy Mobile Account Access and Text Alerts. Get Your Account Balance, Transaction Details Sent to Your Phone within Seconds.
  • BBB Accredited A+ Company. Excellent Customer Service.
  • *See Program Rules
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
See terms Yes! No No
 
Consumer Rating: 5 / 5
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
See terms Yes! No No
 
Consumer Rating: 5 / 5
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
See website for Details* Upon successful
ID Verification
No No
 
Consumer Rating: 4 / 5
  • Instant Account Number - A Great Card for your Money.
  • Free* Direct Deposit - Paycheck, Benefit Checks, Tax Refund Checks
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Risk of Overdraft Fees or Balance Minimums
  • Withdraw Cash at ATMs or Get Cash Back with Purchases
  • Use it Everywhere Visa Debit Cards are Accepted
  • Choose Your Card Color - Blue or Pink
  • *See Program Rules
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
See terms Yes! No No
 
Consumer Rating: 5 / 5
  • No-Fee Cash Withdrawals at ACE.
  • Enroll in Direct Deposit, and You Can Get Paid Faster.
  • Access Your Account From the Palm of Your Hand.
  • Transfer Funds.
  • Reward Yourself.
  • Give back with the Pink ACE Elite Card.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
See terms Yes! No No
 
Consumer Rating: 5 / 5
  • Get your tax refund faster than a paper check.
  • No-Fee Cash Withdrawals at ACE.
  • Use everywhere Visa® debit cards are accepted.
  • Manage your money online and on-the-go.
  • ACE Elite with Direct Deposit FeeAdvantageTM Plan.
  • Earn Payback Rewards.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
See website for Details* Yes! No No
 
Consumer Rating: 4 / 5
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check or ChexSystems Checks
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Free* Direct Deposit
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay
  • *See Program Rules

Get Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
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Check off your current active bank accounts. Don't check anything if you haven't active accounts.
This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

Best Prepaid Cards

Prepaid cards do not require credit history so they are a great way to establish your credit for the first time. They can be used just like a regular credit card for online purchases and bill payments so you can use this card familiarize yourself with managing a credit card. The best feature of these cards is that with prepaid cards, you do not have to worry about late fees or exceeding your credit limit because the card balance is paid in advance.

Here are a few things to keep in mind when deciding on a card and some of the perks associated with these cards:
  • If you´re trying to build up or improve your credit rating confirm that your credit will in fact be reported to the three major credit bureaus using your card of choice because some cards do not.
  • Prepaid credit cards offer guaranteed approval for all customers
  • You can use this card to make secure online purchases and bill payments.
  • Card holders can also benefit from incentives like cash back offers and rewards programs.
  • Best of all, you take control of your expenses by making payments using a prepaid card.
  • You can avoid annoying monthly and annual fees.
  • Most prepaid cards have no activation fee.
  • You never have to worry about late or overdraft charges.
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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

Disclosure: Not an access card.