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5 Best Prepaid Debit Cards Advertiser disclosure You’re our first priority. Each every single time. We believe everyone should be able make financial decisions without hesitation. While our website doesn’t include every business or financial product in the marketplace however, we’re confident that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and completely free. So how do we make money? Our partners pay us. This could influence which products we write about (and the places they are featured on our website), but it in no way affects our suggestions or recommendations that are based on hundreds of hours of study. Our partners are not able to promise us favorable review of their services or products. . 5 Top Prepaid Debit Cards By Spencer Tierney Senior Writer | Certificates of Deposit ethics, ethical banking, bank deposits Spencer Tierney is a consumer bank writer at NerdWallet. He has been writing about the personal financial sector since, with a particular focus on certificates of deposit and other banking-related topics. He has had his work featured on The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. He is based at Berkeley, California. and Ruth Sarreal Content Management Specialist Bank accounts, bank account bonuses Ruth Sarreal is a content manager who covers consumer banking topics at NerdWallet. She has over a decade of experience in writing and editing content for consumer websites. She has previously edited the content for personal finance topics for GOBankingRates. Her work has been highlighted by Nasdaq, MSN, TheStreet and Yahoo Finance. Jan 1, 2022 Edited by Yuliya Goldshteyn, Assistant Assigning Banking Yuliya Goldshteyn is a bank editor at NerdWallet. She was previously an editor, writer , and research analyst in various industries that range from health care as well as market research. She received a bachelor’s level degree in history at Berkeley at the University of California, Berkeley and a master’s of social science from University of Chicago. She can be reached at

. Many or all of the products featured here are from our partners who compensate us. This influences which products we review and where and how the product appears on the page. However, this doesn’t affect our assessments. Our opinions are our own. Below is a list and . + Summary: Best Prepaid debit cards Bluebird from American Express : Best for avoiding fees. Fifth Third Access 360deg Reloadable Credit Card is the best ATM withdrawal card. FamZoo Prepaid Card : The best option for parents (tie). Greenlight Prepaid Mastercard : Great for parents (tie). Walmart MoneyCard is the best choice to shop at Walmart. Chime : Best cheap prepaid alternative. What are these prepaid debit cards? A prepaid debit card can be used as a budgeting tool , or an all-out replacement for a bank account The best cards for prepaid offer convenience, with a low cost of fees. The cards can be easily get. They are available at retail stores (usually at a cost) and some can be bought on the internet. There’s no credit verification, and they’re often available even if you’re unable to have a bank account as a result of a bad credit background. Unlike with a credit card and a debit card, you can load funds into the prepaid cards prior to using. Certain companies also provide mobile-optimized accounts for banking that don’t require clean credit or banking historywhich is why they typically cost less than prepaid cards. Prepaid debit cards are different from. regular debit cards . You do not need a bank account to get an prepaid debit card but it’s a requirement for regular debit cards, that is linked to your checking account. For prepaid debit cards, you fill the card up with money once you have it, then use it to make purchases. For regular debit cards, the funds you use to pay are taken directly from your checking account as you make payments. >> More from NerdWallet: A Nerdy Tip If you need to build credit or have been denied a bank account or credit card, a prepaid debit card might not be the best option: , and if you aren’t able to open an ordinary checking account, you can try . These accounts provide another shot at mainstream banking and its advantages. We are confident that our editors and writers adhere to strict guidelines standards to ensure that our content is accurate and fair and you are able to select the account that works best for you. Find out more about our criteria . These are our top prepaid debit cards with features and fees. Scroll down for more detail about each card. BEST FOR AVOIDING FEES The NerdWallet ratings are made through our team of editors. The scoring formulas consider multiple data points for every financial service and product. Bluebird by American Express No monthly fees No charge for cash reloads at Walmart. Free ATM network. Great budgeting features. Best for ATM Withdrawals NerdWallet’s scores are determined by our editorial team. The scoring formulas consider multiple data points for each financial product and service. Fifth Third Access 360deg Reloadable Prepaid Card One of the largest free ATM networks of Prepaid cards. The fee is $4 per month and simple to eliminate. The best option for parents is FamZoo. It has multiple subaccounts for kids. Costs $2.50-$5.99 each month. Greenlight multiple subaccounts for children. Spending controls specific to stores. Monthly cost from $4.99. BEST FOR SHOPPING AT WALMART Walmart MoneyCard with 3 percent cash back on Walmart.com as well as in the Walmart app and other cash-back rewards. Multiple subaccounts to family members. 2% APY on the first $1,000 of savings account. Best alternative to paying cash. NerdWallet’s ratings are compiled by the editorial staff. The scoring formulas are based on multiple data points for each financial product and service. Chime, Deposits are FDIC Insured Chime, Deposits are FDIC Insured Chime No monthly fees. Has a savings component. Bluebird is a product of American Express Best for avoiding charges. The ratings of NerdWallet are compiled by our editorial team. The scoring formulas are based on numerous data points for each financial product and service. Bluebird, which is issued from American Express, offers more than the average credit card that is prepaid as you can use it to spend and load funds without incurring charges. However, Bluebird has some limitations regarding merchant acceptance, and it does not allow cash back on purchases at retail stores. General fees and features: There are no monthly fees and no costs for activation on the internet or for inactivity. Purchases: No charges. ATM withdrawals: Free at ATMs in the MoneyPass network; $2.50 fee at other ATMs, and any ATM operator fees. Reload methodsinclude direct deposit or debit card transfer, card-to-card transfer, mobile deposit (with a third-party fee for processing in an instant) and cash transfer from Walmart or other stores. (Retailers other than Walmart could charge up to $3.95.) Other services Include separate “set aside” accounts for savings and at least four separate accounts for family members. There is no cash-back at retailers. This card was made by American Express, which isn’t accepted everywhere Visa or Mastercard are. Back to top >> Learn the details on Fifth Third Access 360deg Reloadable Prepaid Card Best for ATM withdrawals. NerdWallet’s ratings are made by our editorial team. The scoring formulas take into account several data points per financial product or service. This prepaid credit card takes part in Allpoint’s vast U.S. network and has access to over fifty thousand ATMs. The card is accepted in the 11 states where There are Fifth Third branches, which is the only place you can get the card. General charges and features: A monthly fee of $4 that is waived when you have an account with a Fifth Third checking account or if you make 500 or more in deposit each month; no cost for activation or inactivity. Purchases: No fees. ATM withdrawals are free at Fifth Third ATMs and ATMs in the ATM Allpoint network; free at Presto! ATMs inside Publix stores as well as at 7-Eleven ATMs that are listed on the bank’s mobile or website; $2.75 fee at other ATMs, and any fees charged by ATM operators. Reload methodsinclude direct deposit and bank transfer, or cash load at a Fifth Third branch or ATM. Other services: Card can have joint owners. It’s not connected to a nationwide network of retailers for cash withdrawals; the card is only accessible in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee and West Virginia; and the card does not have a separate savings feature. The top of the page FamZoo Prepaid Card is ideal for Parents (tie) FamZoo is a family-friendly card that is a prepaid Mastercard that allows parents to become virtual bankers for their kids and their children, even if they are less than 13. Four cards are available for free on the monthly plan, however, additional cards can be added for just $3 per card. From the website or app, you can send allowances and split payments, view the balances and activities across all cards, and establish email and text alerts. General fees and features: You can prepay $59.99 to get two years’ FamZoo — that works out to $2.50 monthly. Other prepayment plans also offer a discount. If you don’t prepay, the fee will be $5.99 for a monthly subscription. There are no charges of activation, or for inactivity. Purchases: No fees. ATM withdrawals: Free from FamZoo however ATM withdrawals can still cost you: Since FamZoo does not have its ATMs, ATMs operated by third parties operator charges can be imposed. Reload methods : Direct deposit and bank transfer PayPal, Apple Pay, Venmo and Square Cash transfer; PopMoney transfer (for a cost) and cash from stores such as 7-Eleven and Walgreens that are members of the Reload @ The Register, MoneyPak and Mastercard RePower networks (about $5 retail cost). Other services include: Multiple accounts in one plan, no-cost and instant transfers from FamZoo cards to cards, ability to lock and unlock FamZoo cards and budgeting tools. Downsides: No free ATM network; the maximum monthly cost is more expensive than the average; and there is no checking feature for mobile checks. >> Looking for a traditional spending account? Check out NerdWallet’s accounts. To the top Greenlight Prepaid Mastercard is a great choice for Parents (tie) Greenlight stands out because of a feature other credit cards do not have: specific store spending restrictions. Parents are able to preapprove where children spend their money, which means that $300 that is set aside for school supplies will only be spent at a campus bookstore, for instance. The card is also able to provide real-time activity alerts, free cards-to-card transfers to help with allowances, and the ability to remotely lock out lost cards remotely. A Greenlight account can have up to five subaccounts making it suitable for families. Due to the low purchase and withdrawal limitations, it’s recommended to use it to use it as a tool for budgeting with the family rather than a bank account replacement. General charges along with features $4.99 to $9.98 monthly, based on the selected package (more expensive plans include features like investing education and identity theft security) No charges of activation or inactivity, or account closing. Purchases: There are no fees. ATM withdrawals: No charges from Greenlight However, ATM withdrawals will cost you: Since Greenlight does not have its own ATMs and third-party ATM operator fees may apply. Reload methods: Direct deposit, debit card transfer, bank transfer. Other services: Up to 5 subaccounts and no ATM withdrawal fee. The downsides are that no checks or cash can be deposited; no free ATM network; the maximum daily amount of purchases per family account is $1,500 and the daily ATM withdrawal limit is $100, which is considerably lower than what is typical for prepay cards. Return to top Walmart MoneyCard Ideal to shop at Walmart This Walmart MoneyCard offers its shoppers up to $75 in cash-back reward points: 3.3% on purchases made at Walmart.com and through the Walmart app, 2% at Walmart fuel stations , and 1% at Walmart stores. It is a popular app that has good ratings is required for free cash reloads in Walmart stores. Walmart MoneyCenters and Customer Service desks also offer fee-free cash withdrawals. The prepaid card, which can be reloaded, is a great option for families. You can get an account at no cost for four people who are at least 13 years of age. The Walmart MoneyCard comes with a no-cost “Vault” savings feature. Savings earned will earn you an APY of 2% on up to $1,000 at the anniversary of card registration. Since it’s not part any ATM service, the cardholder will be charged $2.50 on ATM withdrawals, in addition to any fees charged by the operator. General charges and features: $5.94 monthly fee waived by a monthly payment of at least $500; $1 starter card purchase fee for purchases in stores and no fees for inactivity. Purchases: No charges. ATM withdrawals: $2.50 charge, and any fees charged by the operator. Reload methods: Add cash using Walmart MoneyCard. Add cash via Walmart MoneyCard app at Walmart stores; mobile check deposit or add money from cashing checks in Walmart stores; $3 to reload cash at a Walmart store; or up to $4.95 to transfer funds elsewhere. Other options include: up to four free additional accounts; savings account that offers 2% APY for first $1,000and a chance to win cash prizes each month as well as the possibility to lock and unlock your card through the app; text or email notifications. Downsides: Fee to access ATMs; limited options for reloading funds. Back to top >> Are you looking to increase your savings more quickly? See our list of the Low-fee alternatives to prepaid cards The distinction between the prepaid check accounts and debit cards is starting to blur, as many have similar features and offerings. This is particularly true of mobile-optimized bank accounts. As with the majority of debit cards that are prepaid there are a few that don’t require a credit checks; however, unlike the prepaid cards, these cards come with several additional advantages, such as advanced savings features, bigger ATM networks, and check writing privileges. Chime Best cheap alternative to prepaid NerdWallet’s ratings are determined by our team of editors. The scoring formulas consider many data points in each financial product and service. at Chime, Deposits are FDIC insured. Chime isn’t a debit card or a traditional bank account, but rather a free checking account within the Visa payment network. Although the account isn’t equipped with paper checks but you can make use of this app to ask the checks be mailed to an recipient, or even yourself, for free. You can also open an associated Chime savings account , and schedule automatic transfers. General fees and features no monthly fees and no cost to activate or cease activity; and no credit checks. Cash withdrawal and third-party fees could be applicable. Purchases: No additional charge. ATM withdrawals free at more than 60,000 ATMs in the Allpoint, MoneyPass and Visa Plus Alliance ATM networks. $2.50 at other ATMs, plus any ATM operator fee. Cash withdrawal and third-party fees may apply. Deposit methods: Direct deposit in the form of bank transfer, mobile check deposit. You can also deposit cash at retail stores such as 7-Eleven and Walmart (the retailer may charge fees) or at Walgreens for no cost. Other services: Optional savings account earns 2.00 per cent annual percent yield. Chime offers two savings plans: one in which the amount of your paycheck is automatically deposited into the savings account, and the second which allows your purchases to be rounded up according to dollar amounts and the difference is then rounded up into savings (see below for more information from Chime). You can also receive notifications of transactions in real time and also lock your debit card if you are unable to locate it. Note that a Chime Checking Account is required to create a savings account. Negatives: The out of network ATM cost. Chime declares: “Chime is a financial technology company, not a banking institution. Banking services are offered through The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC.” Learn more from Chime Chime and Stride Bank, N.A “Round Ups automatically round up debit card purchases to the nearest dollar , and transfer the round up funds from your Chime checking Account to your savings account.” “The retailer who receives your cash will be responsible for transferring the money to the Chime Checking Account. Deposit fees for cash may be charged if using a retailer other from Walgreens.” “Save when I get paid” automatically will transfer 10% of direct deposits of $500 or more from your checking account to your savings accounts.” “Out-of-network ATM withdrawal fees may be applicable, but not at MoneyPass ATMs in a 7-Eleven, or at any Allpoint and Visa Plus Alliance ATM.” “Mobile Check Eligibility for deposits is determined by Chime at its discretion. The eligibility of a mobile check deposit is based on various factors including as but not limited to, a member’s direct deposit enrollment status.” The Annual Percentage Yield (“APY”) for Chime Savings Account is variable and may be changed at any time. The APY disclosed is in effect from October 25 2022. There is no minimum balance to be met. It is required to have $0.01 in savings to earn interest. Top prepaid debit cards and alternatives Summary Account/card Monthly Fee Bluebird ATM Free from American Express $0 30,000+ Chime account $0 more than 60,000 FamZoo prepaid card $2.50 to $4.33 when prepaid. $5.99 for a bill. 3 Access 360deg Reloadable Prepaid Card $0-$4 55,000+ Greenlight MasterCard Prepaid $4.99 to $9.98 No Walmart MoneyCard $0-$5.94 None Frequently asked questions What is a Prepaid debit card? A prepaid debit card could be used as a tool for budgeting or serve as a replacement for the bank account. They offer convenience and don’t have any charges. There’s no credit verification required to get the prepaid card. Additionally, they’re often accessible even if you are unable to have a bank account as a result of a poor banking background. It is possible to load funds into pre-paid cards before you use them to purchase items. In general, you are able to use a prepaid debit card in order to cash out cash at ATMs. Where can you buy a prepay card? Prepaid cards are sold at stores that sell retail (usually with a cost) and some can be ordered on the internet. How do you add money to a prepaid credit card? The methods to add money to a prepaid card differ from card to card. However, most options include adding cash at a register in a store (often for a fee) or by using an app to make a mobile check deposit, or by direct deposit, card-to-card transfer as well as bank transfers. What is a prepaid debit card? Prepaid debit cards can serve as a budgeting tool or as a substitute for the bank account. They offer convenience and don’t cost a lot of fees. No credit checks are necessary to apply for an prepaid card. In addition, they’re often available even if it’s difficult to open a bank account because of a bad banking background. You load funds onto prepaid cards before making purchases. Generally, you can also make use of a debit card that is prepaid for cash withdrawals from ATMs. Where can you buy an prepaid card? Prepaid cards are available at retail stores (usually for a fee) and some can be ordered online. How do you add funds to a prepaid card? The methods to add funds to a prepaid card differ between cards. The most common methods include adding cash at a cash register (often with a charge), adding funds by making use of an app for a mobile check deposit, or by direct deposit, card-to-card transfer or bank transfer. Methodology: Top Prepaid Debit Cards of 2022 We looked at 45 reloadable debit cards offered by some of the biggest banks, credit unions, and companies that issue prepaid debit cards. When multiple card plans were available but only the monthly fee was evaluated. We analyzed the four main categories of each card: general fees and features, purchases and withdrawals, reload fees and options, and other services such as savings and bill pay. The cards on this list were the most effective mix of all of them. Some of the cards featured in this roundup include nonbank program managers who work with banks. In any case, all cards’ issuers are banks who insure consumers’ money through the No cards above include overdraft costs. Prepaid debit cards we considered included: Fifth Third Access 360deg Reloadable Prepaid Credit Card and Mango Visa Prepaid Card, and , . See full list and , BB&T MoneyAccount, , Boost Mobile Wallet Prepaid Mastercard, Brink’s Prepaid Mastercard, Card.com Prepaid Card, CashPass Prepaid Mastercard, Commerce Bank mySpending Card, Control Prepaid Mastercard Exact Prepaid Mastercard, FamZoo Prepaid Card, Fancard, FasterMoney Fifth Third Access 360deg Reloadable Prepaid Card, Fred Meyer Prepaid Card, , Greenlight Prepaid Mastercard, H&R Block Emerald Prepaid Mastercard, Mango Visa Prepaid Card, MOVO Virtual Prepaid Visa Card, MyVanilla Prepaid Card, NexsCard Visa Prepaid Card, Opt+ Prepaid Visa Card and PNC SmartAccess Prepaid Visa Card, Regions Now Visa Prepaid Card, , Starbucks Rewards Visa Prepaid Card, TD Connect Reloadable Prepaid Visa Card, Western Union Netspend Prepaid Card. We also looked at two alternative, or nontraditional bank accounts: and . What are the results? — Among the very best — Very good; only minor caveats for most customers — Good; some issues could cause a problem for some customers; make sure you are getting strengths and weak points that are good fit for you poor; use extreme care (or lower) It is best to stay clear of: Spencer Tierney is an expert in deposits and certificates at NerdWallet. The work he has done for NerdWallet was featured in USA Today and the Los Angeles Times. Ruth Sarreal is a content management specialist at NerdWallet. She has written and edited content about personal finance topics for more than five years. Similar to… Get an account that is more suitable for checking View NerdWallet’s recommendations for the best checking accounts. Explore Banking even more deeply. Make smarter money decisions delivered straight to your inbox. Sign up and we’ll send you Nerdy posts about the money topics that are important to you as well as other methods to help you make the most from your money.

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