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!

December 2018: BEST PREPAID CARD

4
Card Overall Rating
Limited/No Credit
Guaranteed Approval
No
Instant Response
Yes
Credit Check
No
Activation Fee
See terms
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Enroll in Direct Deposit and get your pay up to two days early. Certain restrictions apply*
  • Easy Online Bill Pay — pay your rent, utilities or a friend*.
  • Shop online and in stores - everywhere Visa debit cards are accepted.

More Prepaid Debit Cards

Sequin KLS Prepaid Visa® RushCard Application
Compare
At RushCard’s secure site
4
Card Overall Rating
Limited/No Credit
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply*
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Check your balance, view transactions, and even transfer money with the RushCard mobile app.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Sequin Prepaid Visa RushCard.
Guaranteed Approval
No
Instant Response
Yes
Credit Check
No
Activation Fee
See terms
Green Dot 5% Cash Back Visa® Debit Card Application
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At Green Dot’s secure site
5
Card Overall Rating
Limited/No Credit
  • Earn 5% Cash Back on purchases, up to $100 per reward year
  • No overdraft fees, ever
  • No credit check to get a card
  • Get paid up to 2 days earlier with free direct deposit (subject to your payment provider's process and timing)
  • Track your money 24/7 with our mobile app. Deposit checks with your smartphone
  • Use it everywhere Visa debit cards are accepted in the U.S.
Guaranteed Approval
No
Instant Response
No
Credit Check
No
Activation Fee
See terms
24k Prepaid Visa® RushCard Application
Compare now (24) »
At RushCard’s secure site
4
Card Overall Rating
Limited/No Credit
  • Enroll in Direct Deposit and get your pay up to two days early.*
  • Real time activity alerts to let you know when a load goes through or if your balance is running low.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
  • Approval upon successful ID verification.* No credit check* or minimum balance required.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Easy Online Bill Pay— pay your rent, utilities or a friend*.
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about 24k Prepaid Visa RushCard.
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
Carbon Prepaid Visa® RushCard Application
Compare now (24) »
At RushCard’s secure site
4
Card Overall Rating
Limited/No Credit
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Real time activity alerts to let you know when a load goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Carbon Prepaid Visa RushCard.
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
Gloss Prepaid Visa® RushCard Application
Compare
At RushCard’s secure site
4
Card Overall Rating
Limited/No Credit
  • Stay connected — keep track of your money on your mobile phone with the RushCard app. *
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply*
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.*
  • Real time activity alerts sent to your mobile phone via text or email.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Gloss Prepaid Visa RushCard.
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
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
goHenry US Application
Compare
4
Card Overall Rating
Any Credit (No Credit Check)
  • It takes just one minute to open your online account. (No credit card required).
  • See your child's face light up when they receive their very own card in just 10 working
  • Set automatic allowance transfers, tasks and spending rules for your child.
Guaranteed Approval
Yes
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 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
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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