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Best Prepaid Debit Cards

Prepaid debit cards are a great alternative to traditional bank accounts. Many offer the same features as a checking account – online bill pay, mobile check deposit and direct deposit – without the overdraft fees. All the prepaid debit cards on our list come with great features and perks, some even allow you to create sub-accounts with their own prepaid cards. The key is to pay attention to the fees, so you can choose the best prepaid debit card that will minimize the number of fees you pay.

Best Prepaid Debit Cards List

American Eagle Outfitters Visa Credit Card

Take 20% off* your first purchase

Athleta Visa Credit Card

Special birthday gift for you. Exclusive Bonus Point shopping Days.Two free expedited shipping passes per year.Early access to sales.

Banana Republic Visa Credit Card

FREE on orders of $50 or more Select the FREE (6-12 business days) option $7 flat rate for orders under $50

BP Visa Credit Card

Earn rewards everywhere Visa® credit cards are accepted (excluding non-BP stations)

Cathay Pacific Visa Credit Card

  • Earn 35,000 Bonus Asia Miles
  • When you spend $2,500 in the first 90 days of account opening.
  • Plus, earn additional 10,000 Bonus Asia Miles
  • When you purchase and fly with Cathay Pacific* round-trip or 2 one-way flights by June 30, 2018.

CheapOair Credit Card

  • No Annual Fee
  • Special financing for
  • 6 Months on CheapOair purchases of $399 or more (after discounts)1 or choose to earn rewards2

Store Credit Cards

Sears Card

  • Enjoy savings on your favorite brands with special financing
  • special offers, exclusive events and coupons.

Sears Mastercard® with Shop Your Way

  • Earn More Shop Your Way Points in More Places
  • Global Acceptance
  • Monthly savings, special offers and special financing

BP Credit Cards

  • Redeem earned rewards at the pump
  • $0 Fraud Liability
  • ATM Cash Access
  • No annual fee

Disney Premier Visa Card

  • after you spend $500 on purchases in the first 3 months from account opening.
  • This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Forever 21 Credit Card

Prepaid debit cards are a great alternative to traditional bank accounts. Many offer the same features as a checking account – online bill pay, mobile check deposit and direct deposit – without the overdraft fees. All the prepaid debit cards on our list come with great features and perks, some even allow you to create sub-accounts with their own prepaid cards. The key is to pay attention to the fees, so you can choose the best prepaid debit card that will minimize the number of fees you pay.

What is a prepaid credit card?

Prepaid credit cards let you put money onto them in different ways, and however much you put onto the card, that’s how much you can spend. So, if you put $100 on your prepaid credit card, you will be able to spend $100, no more.

Prepaid cards are cards that you load money onto, typically through direct deposit, cash or check deposits, and online transfers from a checking account.

There’s no line of credit, so you can’t run up debt on the card.

But it’s important to be aware that these cards won’t help you build credit. Since you’re not borrowing money from a credit card issuer, your account activity isn’t sent to the credit bureaus. If you want to build your credit, consider applying for a secured credit card.

How do prepaid debit cards work?

If you can't get a checking account or a credit card, a prepaid debit card might be an option for you. These cards are easy to get because there isn't a credit check. Your credit history doesn't matter with a prepaid debit card because you're not buying items on credit. You're using your own money for purchases.

Here's how it works: You purchase a prepaid debit card online or at a retailer. Then you load cash onto the card and use the balance for purchases.

How to evaluate a prepaid debit card?

When evaluating different prepaid debit card offers, the key metric to look at is fees. Prepaid cards are notorious for gouging consumers with limited access to traditional banking accounts. In finding the best prepaid debit card offers, we surveyed the maximum and minimum amount of fees a consumer would pay with each offer.

The most egregious fees are “transaction fees”. None of the prepaid debit cards on our above list will charge you a fee each time you use them to pay for something. However, it is not unheard of for some cards to charge as much as $1 for each swipe of your card.

Checklist for evaluating a prepaid debit card offer:

--Does the card have a monthly fee? If so, it should not be greater than $5.95

--If a card charges a monthly fee, what do you get out of it? Why this card, instead of a "no fee" option

--On the topic of fees, make sure the card does not charge you a fee with every purchase

--Before applying, search for online reviews. Some cards may charge hidden fees that may not be immediately obvious, and other users might have reported them

Is a prepaid debit card right for you?

Generally, it’s wise to consider all your options before deciding on a prepaid debit card. Checking accounts, for example, have fewer fees and stipulations when compared to prepaid debit cards. That being said, there are scenarios where a prepaid debit card can come out as the winner.

You should consider getting a prepaid debit card in these four cases:

If you can’t open a free or low-cost checking account. People who have a history of not paying bank fees or overdrawing their account will get flagged in ChexSystems, which is a special credit system that banks use.

1. If you can’t open a free or low-cost checking account. People who have a history of not paying bank fees or overdrawing their account will get flagged in ChexSystems, which is a special credit system that banks use.

2. If you don’t like certain bank fees, like overdraft or service fees. Most banks offer some free checking options but, if you overdraft your account often, you’ll rack up fees.

3. If you don’t want online purchases to have any link to a bank account or credit card. You can limit the amount of money on the card so, if anyone got ahold of your information, your downside is limited to what’s on the card instead of your entire bank account!

4. If you want to use a prepaid card to issue your kids gas money, allowance, or college-spending cash. This ensures your kids don’t go rogue and overspend on the family credit card.

How to make the most of your prepaid card?

If you decide that a prepaid credit card is the right way to go for you, then make the most of it by:

1. Shopping around for the best prepaid credit cards on the market

Compare the different features available on a card alongside the fees being charged to see if it’s worthwhile for you. We’ve done the majority of the work for you and made a chart of the better cards available below.

2. Setting up direct deposit

Since many cards will forgive the monthly fee if you load a certain amount of money onto your prepaid credit card each month, it’s a good idea to set up a direct deposit that automatically goes onto your card. This way you’ll always have that money in the account for you to access and reach the monthly load limit with ease. This can be your paycheck, social services payments, etc.

3. Using free online services

Some prepaid credit cards will charge you for checking your balance over the phone, while others do not. You can avoid these charges altogether by using the free online resources that let you manage your account on the computer or mobile devices.

4. Avoiding ATM withdrawals

Many prepaid credit cards will charge you for ATM withdrawals. Plus, you’ll have to pay whatever service charge the ATM provider charges. This makes each transaction more expensive than other options. In general, purchases are the best way to spend money with your prepaid credit card.

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Best Prepaid Debit Cards Tips

  1. If you want to know your Best Prepaid Debit Cards payment details, like your credit card balance. Please contact the Best Prepaid Debit Cards customer service or get a Best Prepaid Debit Cards application.
  2. In order to manage your Best Prepaid Debit Cards payment online, you need to log in to the Best Prepaid Debit Cards official website.
  3. About Best Prepaid Debit Cards login and how to apply for a Best Prepaid Debit Cards , you need to go to the official website.
  4. Getting a Best Prepaid Debit Cards application will be a lot of convenience, contact the Best Prepaid Debit Cards customer service or go to the Best Prepaid Debit Cards official website to know more details.
  5. Want to know some products discounts or rewards programs? Make sure your Best Prepaid Debit Cards phone numbers is correct, there will be text alerts.

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