Best Prepaid Debit Card Offers for 2021

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 2021: BEST PREPAID CARD

4
Card Overall Rating
Any Credit
Overdraft Available
Yes
Instant Response
No
Credit Check
No
Activation Fee
No
  • No hidden fees.
  • Fee-free Overdraft up to $200 with SpotMe*
  • Grow your savings automatically with our Savings Account
  • Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!

More Prepaid Debit Cards

5
Card Overall Rating
  • Extra is the first debit card that builds credit and earns rewards points just like a credit card.
  • Earn up to 1% in points for everyday purchases like rideshares, coffees and your phone bills.
  • Extra is compatible with over 10,000+ banks across the United States—keep your money where you want, while spending smarter with Extra.
  • No Credit Checks.
  • No Deposit Required.
  • No interest charges or surprises.
Overdraft Available
Yes
Instant Response
No
Credit Check
No
Activation Fee
$0
4
Card Overall Rating
  • 1% cash back at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and More!
  • No credit check or US credit history required
  • No SSN required for non US citizens
  • FDIC Insured account up to $250K
  • Zero hidden fees – no annual fee or minimum deposit, no foreign transaction fees, no additional ATM fees, no overdraft fees, no card replacement fees.
  • Cheapest international money transfer guarantee - Sable will cover the difference if you find a cheaper remittance option
  • Open a restricted account before you even step foot in the U.S or have a U.S address
  • Premium benefits like extended warranties and a satisfaction guarantee where Sable will cover most purchases, if you become dissatisfied with a new product within 60 days!
  • Please see https://sablecard.com/tcs for terms and conditions
Overdraft Available
Yes
Instant Response
No
Credit Check
No
Activation Fee
$0
5
Card Overall Rating
  • Save the Planet, Get a $150 Bonus
  • Earn cash back on debit card purchases and up to 15x the national interest rate on savings
  • 3-5% cash back on Conscience Coalition purchases
  • Choose a monthly fee you think is fair
  • Fee-free ATM withdrawals at 55,000+ Allpoint ATMs
  • Cash back on debit card purchases at socially conscious businesses
  • Plant a tree with every roundup
  • Personal impact score to help you shop to match your values
  • Up to 3.00% APY on your savings
Overdraft Available
No
Instant Response
No
Credit Check
No
Activation Fee
$10
5
Card Overall Rating
Excellent/Good/Fair/Bad Credit
  • No account fees, no balance minimum
  • Access to 55,000 ATMs nationwide, fee-free
  • The coverage of VISA®, the security of FDIC
Overdraft Available
No
Instant Response
No
Credit Check
No
Activation Fee
$0
4
Card Overall Rating
See website for Details*
  • No-fee cash withdrawals at participating ACE Cash Express locations
  • Get paid up to 2 days faster with Direct Deposit
  • Unlock optional savings account
  • Spend as usual! ACE Cash Express and Netspend donate to NBCF when you make purchases.
  • Earn rewards when you activate special offers
Overdraft Available
No
Instant Response
No
Credit Check
No
Activation Fee
See website for Details*
4
Card Overall Rating
  • No hidden fees.
  • Fee-free Overdraft up to $200 with SpotMe*
  • Grow your savings automatically with our Savings Account
  • Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!
Overdraft Available
Yes
Instant Response
No
Credit Check
No
Activation Fee
No
GO2bank Application
Compare
5
Card Overall Rating
All Credit Types Considered
  • Get your pay up to 2 days early with ASAP Direct Deposit™
  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Earn over 10x the national savings rate average High-yield savings account, 1% APY paid quarterly on savings up to $5,000**
Overdraft Available
No
Instant Response
No
Credit Check
No
Activation Fee
$0
4
Card Overall Rating
  • Raise financially smart kids.
  • Send money instantly to your kids' accounts anytime, anywhere.
  • Real-time transaction notifications.
  • Store-specific spend controls and ATM parental controls.
  • Track all historic activity in your kids’ Spend, Save and Give accounts.
  • Switch the card on/off from the app.
Overdraft Available
No
Instant Response
No
Credit Check
No
Activation Fee
No

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.
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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

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 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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