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5 Best Prepaid Debit Cards Advertiser disclosure You’re our first priority. Each every time. We believe that everyone should be able make financial decisions with confidence. Although our site doesn’t include every business or financial product in the marketplace, we’re proud of the guidance we offer, the information we provide and the tools we create are objective, independent simple, and completely free. How do we earn money? Our partners pay us. This could influence which products we write about (and the way they appear on the site), but it doesn’t affect our recommendations or advice that are based on thousands of hours of study. Our partners do not promise us favorable reviews of their products or services. . 5 Top Prepaid Debit Cards by Spencer Tierney Senior Writer | Certificates of Deposit ethics, ethical banking, bank deposit accounts Spencer Tierney is a consumer bank writer at NerdWallet. He has been covering the personal financial sector since with a particular focus on certificates of deposit as well as other banking-related subjects. The work he has written for him was covered by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is based at Berkeley, California. as well as Ruth Sarreal Content Management Specialist bonus bank accounts Ruth Sarreal is a content management specialist covering the topics of banking for consumers at NerdWallet. She has more than a decade of experience in writing and editing for consumer websites. She was previously editor of content on personal finance topics for GOBankingRates. The work she has done was featured on Nasdaq, MSN, TheStreet and Yahoo Finance. Mar 1, 2022 Edited by Yuliya Goldshteyn Assistant Assigning Editor Yuliya Goldshteyn is a bank editor for NerdWallet. She previously worked as editor, writer and research analyst in a variety of industries, ranging from healthcare to market research. She received a bachelor’s level degree in history at Berkeley at the University of California, Berkeley as well as a master’s degree in sociology from the University of Chicago. She can be reached via

. Many or all of the items featured here come from our partners who compensate us. This influences which products we feature and where and how the product appears on the page. But, it doesn’t affect our assessments. Our views are our own. Here’s a list of and . + Summary: The best Prepaid debit cards Bluebird from American Express : Best for getting rid of fees. The Fifth Third Access 360deg Reloadable Credit Card : Best for ATM withdrawals. FamZoo Prepaid Credit Card Best choice for parents (tie). Greenlight Prepaid Mastercard is the best for parents (tie). Walmart MoneyCard is the best choice for shopping at Walmart. Chime : Best cheap prepaid alternative. What are prepaid debit cards? Prepaid debit cards could be used as a budgeting tool or an all-out substitute for bank accounts — and the top cards for prepaid offer convenience, with a low cost of charges. The cards can be easily get. They are available at stores that sell retail (usually for a fee) and some can be bought on the internet. There’s no credit verification or credit check, and they’re usually available even if you can’t get a bank account because of a bad banking background. In contrast to credit cards, you load funds onto prepaid cards before use. Certain companies also provide mobile-optimized accounts for banking that don’t require clean banking or credit history — and they often cost less than prepaid cards. Prepaid debit cards are different from. traditional debit cards You don’t need an account at a bank in order to acquire an prepaid debit card however, it’s required for a regular debit card, that is connected to your checking account. When you purchase prepaid debit cards you can load the card with money when you get it and use it to make purchases. For regular debit cards, the funds for your payments are taken straight from your checking account as you make payments. >> More from NerdWallet: Nerdy Tip If you need to build credit or are rejected by a bank and you’re in need of a debit card that’s prepaid, it might not be the best alternative. If you can’t get a regular checking account, consider . These accounts provide another shot at banking that is mainstream and offers benefits. What can you trust in NerdWallet? Our writers and editors follow strict rules to ensure our reporting is truthful and accurate So you can pick the accounts that are best for you. Find out more about our criteria . Here are our best prepaid debit cards with features and fees. Click below for more information about each card. Best for avoiding fees The ratings of NerdWallet are compiled from our editors. The scoring formulas take into account many data points for every financial service and product. Bluebird by American Express No monthly fees There is no charge for cash reloads at Walmart. Free ATM network. Great budgeting features. BEST FOR ATM withdrawals. NerdWallet’s ratings are determined by our editorial team. The scoring formulas consider many data points for each financial product or service. Fifth Third Access 360deg Reloadable Credit Card One of the most popular free ATM networks among Prepaid cards. The fee is $4 per month and simple to eliminate. Best for parents FamZoo Multi subaccounts for kids. It costs $2.50-$5.99 each month. Greenlight multiple subaccounts for children. Store-specific spending controls. Monthly fee from $4.99. The best option for shopping at Walmart. Walmart MoneyCard 3% cash back at Walmart.com as well as in the Walmart app, as well as other cash-back rewards. Multiple accounts for family members. 2.2% APY up to $1,000 savings account. BEST CHEAP ALTERNATIVE TO PREPAID NerdWallet’s rating is determined through our team of editors. The scoring formulas take into account numerous data points associated with each financial product or service. Chime, Deposits are FDIC Insured Chime, Deposits are FDIC Insured Chime There are no monthly fees. Includes a savings feature. Bluebird is a product of American Express Best for avoiding fees NerdWallet’s ratings are determined through our team of editors. The scoring formulas take into account multiple data points for every financial product or service. Bluebird, which is issued by American Express, offers more than the average debit card for prepaid cards as you can use it to spend and load funds without having to pay fees. However, Bluebird does have limits regarding merchant acceptance and isn’t able to cash-back when shopping at stores. General fees and features: No fees for monthly subscriptions and there are no charges for activation on the internet or for inactivity. Purchases: No charges. ATM withdrawals are free at ATMs that are part of the MoneyPass network; $2.50 fee at other ATMs, plus any ATM operator fees. Reloading methods: Direct deposit, debit card transfer, card-to card transfer, mobile check deposit (with a third-party fee for processing in an instant) or cash load in 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 that can be set aside for relatives. The downside is that there’s no cash back on purchases at stores. This card was provided via American Express, which isn’t accepted everywhere Visa or Mastercard are. Back to top >> Learn the details about Fifth Third Access 360deg Reloadable Prepaid Card Best for ATM withdrawals. NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account several data points per financial product or service. This prepaid credit card is part in the Allpoint’s huge U.S. network and has access to more than fifty thousand ATMs. The card is accessible in the 11 states in which there are Fifth Third branches, which is the only way you can get the card. General charges and features: A monthly fee of $4 that is waived if you have an account with a Fifth Third checking account or when you make $500 or more in deposits monthly; no costs for activation or inactivity. Purchases: No charges. ATM withdrawals: Free in Fifth Third ATMs and ATMs within the ATM Allpoint network. Free at Presto! ATMs in Publix stores and at 7-Eleven ATMs that are listed on the bank’s mobile or website; $2.75 fee at other ATMs, in addition to any fees charged by the ATM operator. Reload methods: Direct deposit or bank transfer, cash load at Fifth Third branch or ATM. Other services: Card can have joint owners. Downsides: There’s no access to a national retail network for cash withdrawals and the card is available within Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee and West Virginia; and the card doesn’t have a separate savings feature. Back to top FamZoo Prepaid Card Best for families with children (tie) FamZoo is a family-friendly prepaid Mastercard that allows parents to become virtual bankers for their kids, even those younger than 13. Four cards are available for free for the monthly plan however, additional cards can be added for a one-time $3 fee per card. Through the web or mobile app you can make allowances and split payments, view the balances and activities across all cards and create email and text alerts. General charges and features: You can prepay $59.99 for two years of FamZoo which works out to $2.50 per month. Other prepayment plans also offer a discount. If you don’t prepay, the price will be $5.99 for a monthly subscription. There are no charges to activate or stop your subscription. Purchases: No charges. ATM withdrawals: No charge from FamZoo However, ATM withdrawals will still cost you: Since FamZoo doesn’t have any of its own ATMs, third-party ATM operator fees can apply. Reload methods : Direct deposit or bank transfer; PayPal, Apple Pay, Venmo and Square Cash transfer; PopMoney transfer (for a fee); add cash at retailers such as 7-Eleven and Walgreens which are part of the Reload @ Register, Register, MoneyPak and Mastercard rePower networks (about $5 in retail fees). Other features that are available: Multiple accounts on one plan, free and instant FamZoo card-to-card transfers with the option to lock and unlock FamZoo cards as well as budgeting tools. The downsides: There is no cost ATM network; the maximum monthly fee is higher than average; there’s no Mobile check-deposit feature. Are you looking for a traditional savings account? Look into NerdWallet’s accounts. Return to the top Greenlight Prepaid Mastercard is a great choice to Parents (tie) Greenlight stands out because of a feature other prepay cards don’t have: store-specific spending limits. Parents are able to preapprove where children spend their money, which means that $300 set aside for school supplies can only be spent in a campus bookstore, for instance. This prepaid card also provides real-time alerts for activity, free card-to-card transfers for allowances as well as the capability to remotely lock down lost cards. The Greenlight account can hold as many as five subaccounts making it suitable for a family. With low withdrawal and purchase limitations, it’s recommended to use it to be used as a budgeting tool for the family rather than a bank account replacement. General charges and features: $4.99 to $9.98 monthly, based on the selected plans (more expensive plans offer features such as investing education and identity theft protection) There are no charges for activation, inactivity, or account closing. Purchases: No charges. ATM withdrawals: There are no fees from Greenlight However, ATM withdrawals will cost you: Since Greenlight does not have any of its own ATMs Third-party ATM operator fees could apply. Reload methods: Direct deposit, debit card transfer, bank transfer. Other services: Up to 5 subaccounts, no international ATM withdrawal fees. There are no cash or checks can be transferred; there is no free ATM network; maximum daily amount of purchases per account for a family is $1,500 and the daily ATM withdrawal limit is $100, which are significantly lower than the average for prepay cards. Back to top Walmart MoneyCard Best for shopping at Walmart It is a great option for shopping at Walmart. Walmart MoneyCard offers its shoppers up to 75 dollars per year in cash-back rewards. 3% for purchases made at Walmart.com and in the Walmart app and 2% at Walmart fuel stations and 1 percent at Walmart stores. The app, which receives high marks is required for fee-free cash reloads at Walmart stores. Walmart MoneyCenters and Customer Service desks also provide free cash withdrawals. This prepaid, reloadable card is a great option for families. You can order an account for free for four people who are at least 13 years old. of age. The Walmart MoneyCard has a no-cost “Vault” saving feature. Savings earned will earn you 2% APY on up to $1,000 at the anniversary of the card’s enrollment. Since it’s not part an ATM service, the cardholder will pay $2.50 on ATM withdrawals, in addition to any operator charges. General fees and benefits: $5.94 monthly fee waived by a monthly payment of $500 or more; $1 starter card purchase fee if purchased in store; no inactivity fees. Purchases: No fee. ATM withdrawals $2.50 charge, and any fees for operators. Reload methods: Add cash via the Walmart MoneyCard app at Walmart stores; check deposit via mobile or add money from checks cashed through Walmart stores; pay $3 to reload cash at any Walmart store; up to $4.95 to reload elsewhere. Other options including: Up to four accounts, a savings account that earns 2% APY for first $1,000and a chance to win monthly cash prizes; possibility to lock and unlock your card via the app, as well as text as well as email reminders. Downsides: Fee to access ATMs; no options to reload funds. Return to top Do you want to grow your savings more quickly? Check out our list of most affordable alternatives to prepaid card with no fees. The difference between prepaid credit cards as well as checking account is starting to blur as many have similar features and offerings. This is especially true for accounts that are mobile-optimized. Like most prepaid debit cards, many have no credit check, but unlike prepaid cards, these cards come with certain additional benefits like enhanced savings features, larger ATM networks and check-writing privileges. Chime Best cheap alternative to the prepaid NerdWallet rating. The ratings are made by our editorial team. The scoring formulas are based on 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 a free checking account in the Visa payment network. Although the account isn’t equipped with checks in paper but you can make use of the app to request checks be mailed to a person, including yourself, for free. You can also create an account linked to a Chime saving account to schedule automatic transfers. General charges and features: No monthly fee and no cost of activation, or for inactivity, and there is no credit checks. Third-party fees and cash withdrawals could apply. Purchases: No additional charge. ATM withdrawals are free at over 60, 000 ATMs within the Allpoint, MoneyPass and Visa Plus Alliance ATM networks. $2.50 at other ATMs, plus any ATM operator fee. Cash withdrawal fees and third-party charges could be applicable. Deposit methods include direct deposit or bank transfer, as well as mobile check deposit. You can also deposit cash at retailers such as 7-Eleven or Walmart (the retailer could charge fees) and at Walgreens for no cost. Other options: An optional savings account earns 2.00 per cent annual percentage yield. Chime has two automatic savings programs. One where a percentage of every paycheck automatically goes into the savings account, and the second where your purchases are rounded up according to dollar amounts and the difference is then rounded up directly to the savings account (see below for more information about Chime). You can also receive immediate transaction alerts and even secure your debit card in the event that you are unable to locate it. Be aware that a Chime Checking Account is necessary to create a savings account. Downsides: The out-of-network ATM cost. Chime says: “Chime is a financial technology company, not a bank. Banking services are offered via The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC.” Learn more from Chime Chime says “Round Ups automatically round up debit card transactions up to the nearest dollar. You can then transfer the round-up from the Chime Checking Account into your account for savings.” “The retailer who receives your cash will be responsible for transferring the money for deposit into your Chime Checking Account. Deposit fees for cash may be charged for a retailer other that Walgreens.” “Save When I Get Paid automatically will transfer 10% of your Direct Deposits of more than $500 from your Checking Account to your savings accounts.” “Out-of-network ATM withdrawal fees could be applicable, but not at MoneyPass ATMs at a 7-Eleven or at any Allpoint as well as Visa Plus Alliance ATM.” “Mobile Check Eligibility for deposits can be deduced by Chime in its sole discretion. It is possible to grant according to various factors, including and not only, a member’s direct deposit enrollment status.” Chime’s Annual Percentage Yield (“APY”) is for Chime Savings Accounts is subject to change and could alter at any point. The declared APY will be in effect from October 25, 2022. There is no minimum balance requirement. You must be able to keep $0.01 of savings in order to make interest. Return to top of the list Best alternative debit cards for prepaid and prepaid: Summary Account/card Monthly fee number of ATMs that are free Bluebird is offered by American Express $0 30,000+ Chime account $0 60,000+ FamZoo prepaid card $2.50 to $4.33 when prepaid. $5.99 when billed. Third Access 360deg Reloadable Prepaid Card $0-$4 55,000and Greenlight Credit Mastercard Prepaid $4.99 to $9.98 The Walmart MoneyCard is not available. $0-$5.94 There are no frequently asked questions What is a Prepaid debit card? A prepaid debit card can be used as a tool for budgeting or serve as a replacement for a bank account. The offer convenience and don’t charge many fees. There’s no credit verification needed to obtain the prepaid card. Additionally, they’re generally available even if it’s difficult to have a bank account as a result of a poor credit background. You load funds onto prepaid cards before using them for purchases. In general, you can utilize a prepaid debit card to withdraw cash from ATMs. Where can you purchase the prepaid card? Prepaid cards are sold at stores that sell retail (usually for a fee) and some are ordered online. What is the best way to add money to a prepaid credit card? The methods to add money to a prepaid card are different between cards. The most common methods include adding cash at a cash register (often for a fee) and adding funds using an app to make an online check deposit or by direct deposit, card-to-card transfer as well as bank transfers. What is a prepaid debit card? Prepaid debit cards could be used as a tool for budgeting or be a replacement for the bank account. They offer convenience and don’t charge many fees. No credit checks are required to get an prepaid card. In addition, they’re usually accessible even if you are unable to get a bank account because of a bad credit background. It is possible to load funds into the prepaid cards prior to using them for purchases. You can, in general, use a prepaid debit card for cash withdrawals from ATMs. Where can you buy an prepay card? Prepaid cards are available at retail stores (usually with a charge) and some can be purchased online. How do you add funds to a prepaid credit card? The methods for adding funds to a prepaid card are different from card to card. But generally, the options include cash deposits at a cash register (often for a fee) and adding funds using an app to make a mobile check deposit, as well as direct deposits, card-to card transfer, and bank transfer. Methodology: Top Prepaid Debit Card of 2022 We examined 45 reloadable debit cards issued by some of the biggest banks, credit unions, and the issuers of prepaid debit cards. Where multiple card plans existed however only the most basic monthly fee plan was evaluated. We examined the four main categories of each card: general fees and features, purchases and withdrawals, reloading fees and other options, as well as other services like savings and bill pay. The cards included on this list were the most effective mix of all of them. Certain cards on this list have nonbank program managers who work with banks. In any case, all card issuers are banks that insure customers’ funds through the No cards above include overdraft costs. Prepaid debit cards we looked at included , , Fifth Third Access 360deg Reloadable Prepaid Card, , Mango Visa Prepaid Card, , . The full list is available of 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, 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 reviewed two other, or nontraditional accounts for banking which include: and . What do the ratings mean? The accounts are among the best — Very good; only minor caveats for most customers — Good; problems that could make a difference to some customers Make sure that you are getting strengths and weak points that are good fit for you Bad; take your time and exercise care (or below) It is best to avoid: Spencer Tierney is an expert in the field of deposits in certificates on NerdWallet. His work has been covered in USA Today and the Los Angeles Times. Ruth Sarreal is a content management specialist at NerdWallet. She has been writing and editing content on personal finance topics for over five years. Similar to… Get the best checking account NerdWallet’s picks for the best checking accounts. Go deeper into Banking Make smarter money decisions delivered straight to your inbox. Sign up and we’ll email you Nerdy content about the money topics which matter to you the most along with other ways to get more from your money.

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