Best Prepaid Debit Card Offers for 2018

Getting acquainted with the world of credit cards? We advise to familiarize yourself with managing a credit card by getting one of best prepaid debit cards. Prepaid cards offer guaranteed approval for all customers without credit check, and they can be used just like a regular credit card for purchases and bill payments. Best of all, you do not have to worry about interest rates, late fees or exceeding your credit limit. Prepaid debit cards 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!

June 2018: BEST PREPAID CARD

4
Card Overall Rating
See website for Details*
Guaranteed Approval
No
Instant Response
Yes
Credit Check
No
Activation Fee
$4.95; one-time charge
  • $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
  • Use it Everywhere Visa Debit Card Accepted in the U.S.

More Prepaid Debit Cards

5
Card Overall Rating
Any Credit (No Credit Check)
  • 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.
Guaranteed Approval
No
Instant Response
Yes
Credit Check
No
Activation Fee
See terms
5
Card Overall Rating
See website for Details*
  • 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
Guaranteed Approval
Yes
Instant Response
Yes
Credit Check
No
Activation Fee
See website for Details*
5
Card Overall Rating
Any Credit (No Credit Check)
  • 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.
Guaranteed Approval
No
Instant Response
Yes
Credit Check
No
Activation Fee
See terms
5
Card Overall Rating
Any Credit (No Credit Check)
  • 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.
Guaranteed Approval
No
Instant Response
Yes
Credit Check
No
Activation Fee
See terms
5
Card Overall Rating
Any Credit (No Credit Check)
  • 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.
Guaranteed Approval
No
Instant Response
Yes
Credit Check
No
Activation Fee
See terms
5
Card Overall Rating
Any Credit (No Credit Check)
  • 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.
Guaranteed Approval
No
Instant Response
Yes
Credit Check
No
Activation Fee
See terms

Best Prepaid Cards

Prepaid debit cards do not require credit history, so they are a great way to familiarize yourself with managing a card account. You can conveniently manage your finances using a reloadable prepaid card. To start using a prepaid card, you will need to load it first using a direct deposit or any other available option. A prepaid card allows you to use your own money and therefore, there are no interest rates, late payment fees or any other fees that are usually associated with a credit account.

Here are a few things to keep in mind when deciding on a prepaid debit card and some of the perks associated with these cards:

  • Prepaid and debit cards do not help you to build or improve credit rating as they are not reported to the major credit bureaus. However, using a prepaid card you can get into the habit of paying your bills on time, which will be a good help once you have a credit card.
  • Prepaid debit cards offer guaranteed approval for all customers. Since no credit line is extended, there is no need to check your credit history or employment.
  • You can use prepaid cards to make secure online purchases and bill payments. While prepaid cards do not have all protections that are offered with credit cards, you are still protected and can dispute unauthorized charges.
  • Cardholders can also benefit from incentives like cash back offers and rewards programs. However, only a limited number of prepaid cards gives access to such programs.
  • Prepaid debit cards allow to control expenses. You can load your card with money you are planning to spend this month and thus, keep track of your budget.
  • You can avoid annoying monthly and annual fees. Some prepaid cards waive monthly fees if you maintain specific balance or load a deposit once a month.
  • Most prepaid cards have no activation fee. Online prepaid card offers have various options, including no fee options.
  • No worries about late or overdraft charges. Most prepaid cards simply decline a transaction if its amount exceeds available funds.
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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.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
Many people have trouble understanding the distinctions between a prepaid card and a regular credit card. But the difference is pretty easy to see, once it's explained. With a credit card, you are issued a line of credit which you can borrow...
There are prepaid cards you can apply and which will have your name imprinted on. However, no one of the card issuers will be able to review your application, approve you, and send you a card overnight. The issuing process takes at least two weeks...
Most prepaid cards do not report to the credit bureaus as these are not about extending credit to you. Prepaid cards are not credit cards, thus they do not help your credit. But these are a good alternative to carrying cash. If you are interested in...
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