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Best Prepaid Debit Card Offers for 2024
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 often 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!
October 2024: BEST PREPAID CARD
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Activation Fee
$0
Maintenance Fee
$0 with eligible direct deposit
Overdraft Available
Yes
Direct Deposit
$0
- 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.*
More Prepaid Debit Cards
- Credit for everyone - Regardless of your credit history!
- Get paid up to 2 days faster - Using Direct Deposit.
- Build credit not debt.
- Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
- View Product Disclosures
Activation Fee
See terms
Maintenance Fee
$0
Overdraft Available
Yes
Direct Deposit
Up To Two Days Faster for Premium members
- The Ultimate Mobile Bank Account.
- Get your government benefits up to 4 days early. Plus, direct deposit unlocks exclusive perks!
- Get your pay up to 2 days early with eligible direct deposit.
- No monthly fees with eligible direct deposit, otherwise $5 per month.
- No hidden fees.
- No minimum balance to open an account online.
- Fees, terms and conditions apply. Learn more at www.go2bank.com.
Activation Fee
$0
Maintenance Fee
No monthly fees with eligible direct deposit, otherwise $5 per month
Overdraft Available
Yes
Direct Deposit
Free
- Grow Credit is committed to helping the over 100 million Americans who have no or bad credit
- 0% interest and completely free with no security deposit required for qualifying customers*
- Grow Credit allows customers to build credit by paying for their subscription services or cell phone bills; with time, customers build a strong repayment history and establish a better financial future
- Grow Credit is committed to helping people who have been underserved or ignored by financial institutions
- By using Grow Credit, customers are empowered to build a strong future for themselves and their families
- Customers link their Grow MasterCard monthly subscriptions to the card and the amount is automatically deducted from their bank accounts every month and then reported to all three credit bureaus
- *Here is information about our underwriting criteria, which is determined by recent banking activity rather than credit scores.
Activation Fee
See terms
Maintenance Fee
See terms
Overdraft Available
No
Direct Deposit
Free
- The ultimate solution for spending crypto and stablecoins.
- Spend cash, stablecoins, and crypto anywhere. No more complicated exchanges, no more worrying about the security of your assets.
- Earn up to 8% Cryptoback™ on all purchases made with your Wirex card. Your Cryptoback™ rewards will be instantly deposited into your Wirex account.
- Up to $200 fee free ATM withdrawals globally. No annual and foreign exchange fees.
- Get fantastic deals and discounts with your Wirex сard.
- Physical and virtual cards.
Activation Fee
$0
Maintenance Fee
$0
Overdraft Available
No
Direct Deposit
Free
- 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.*
Activation Fee
$0
Maintenance Fee
$0 with eligible direct deposit
Overdraft Available
Yes
Direct Deposit
Free
- Earn $150 when you receive a qualifying direct deposit and use your Albert debit card.
- Advance up to $250 from your next paycheck.
- Earn up to 20% cash back when you buy gas, groceries, and more with your Albert debit card.
- Access your paycheck up to 2 days early with direct deposit.
- No hidden fees ($0 minimum balance and $0 maintenance fees).
- Genius subscribers can withdraw cash fee-free at 55,000+ ATMs.
Activation Fee
$0
Maintenance Fee
$0
Overdraft Available
No
Direct Deposit
Free
- The first debit card made just for taking care of your loved ones.
- Use your dedicated Givers debit card to easily separate caregiving expenses from everyday expenses. No more need for messy receipts or spreadsheets.
- Get savings on autopilot.
- No upfront cost, no hidden fees, savings guarantee.
Activation Fee
$0
Maintenance Fee
$0
Overdraft Available
No
Direct Deposit
Free
- Get the debit card & app that helps kids learn about budgeting.
- A debit card to support kids' financial independence.
- Choose from 45+ debit card designs & customize your card, too.
- Zero Liability Protection by Mastercard®.
- Real-time spending notifications.
- GoHenry blocks unsafe spending categories.
- Easily block and unblock cards.
- FDIC-insured accounts up to $250,000.
Activation Fee
See terms
Maintenance Fee
$4.99
Overdraft Available
No
Direct Deposit
Free
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.
- In most cases, 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. However, there may be exeptions, so just be attentive.
- 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.
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
A prepaid card is a payment card that you load with money before you can use it for purchases. Prepaid cards may look like credit cards, as they may have numbers, your name and Visa or MasterCard logo. But prepaid cards are different - you are not...
There are prepaid cards you can apply for and which will have your name imprinted on them. 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...
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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