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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 to make sound financial decisions without hesitation. And while our site does not include every company or financial product in the marketplace, we’re proud of the guidance we offer, the information we provide and the tools we develop are impartial, independent, straightforward — and free. How do we earn money? Our partners compensate us. This can influence the products we review and write about (and where those products appear on the site) However, it in no way affects our recommendations or advice, which are grounded in many hours of study. Our partners are not able to be paid to ensure positive reviews of their products or services. . 5 Top Prepaid Debit Cards By Spencer Tierney Senior Writer | Certificates of deposit, ethical banking, banking deposits Spencer Tierney is a consumer banking writer at NerdWallet. He has been writing about the personal financial sector since with a focus on certificate of deposit as well as other banking-related topics. He has had his work highlighted by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is based within Berkeley, California. as well as Ruth Sarreal Content Management Specialist Bank accounts, bank account bonuses Ruth Sarreal is a content manager who covers subjects related to banking and consumer finance at NerdWallet. She has more than 10 years of experience in writing and editing content for consumer websites. She previously edited content on personal finance issues at 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 banking editor for NerdWallet. She previously worked as an editor, writer , and research analyst in a variety of industries, ranging from health care as well as market research. She graduated with a bachelor’s degree in history from Berkeley at the University of California, Berkeley as well as a master’s degree of social science from University of Chicago. She can be reached at

. A majority or all of the products featured here are from our partners who pay us. This affects the products we review and the location and manner in which the product is featured on a 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 avoidance of fees. 5th Third Access 360deg Reloadable Credit Card is the best ATM withdrawal card. FamZoo Prepaid Credit Card The best for parents (tie). Greenlight Prepaid Mastercard is the best to parents (tie). Walmart MoneyCard : Best to shop at Walmart. Chime : Best cheap prepaid alternative. What are prepaid debit cards? Prepaid debit cards can be used as a budgeting tool or as a complete replacement for a bank account — and the top prepaid cards offer convenience with a low cost of fees. Prepaid cards are easy to obtain. Prepaid cards are sold at retail stores (usually at a cost) and some are purchased on the internet. There’s no credit check or credit check, and they’re usually accessible even if you are unable to have a bank account as a result of a bad banking background. Unlike with a credit card and a debit card, you can load funds into pre-paid cards prior to use. Some companies also offer mobile-optimized banking accounts which don’t require a clean credit or banking historywhich is why they typically cost less than the prepaid cards. Prepaid debit cards vs. regular 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’s connected to your checking account. With prepaid debit cards, you fill the card up with money when you get it and 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. Learn more from NerdWallet: A Nerdy Tip If you are looking to build credit or have been denied a bank account, a prepaid debit card might not be the best option. If you’re not able to get an ordinary checking account, try . These accounts offer another chance at banking that is mainstream and offers perks. Why trust NerdWallet: Our editors and writers adhere to strict guidelines standards to ensure that our content is fair and accurate, so you can choose the account that works best for you. Find out more about our criteria . Here are our top prepaid debit cards in terms of fees and features. Click below for more information on each one. BEST FOR AVOIDING FEES The ratings of NerdWallet are compiled from our editors. The scoring formulas consider many data points for every financial service and product. Bluebird by American Express No monthly fees There is no charge for cash recharges at Walmart. No cost ATM network. Great budgeting features. The best choice for ATM withdrawals. NerdWallet’s ratings are made by our editorial team. The scoring formulas are based on several data points per financial service and product. Fifth Third Access 360deg Reloadable Credit Card One of the most popular free ATM networks for prepaid cards. The fee is $4 per month and easy to waive. BEST FOR PARENTS FamZoo Multiple subaccounts for children. Costs $2.50-$5.99 per month. Greenlight Multiple subaccounts to kids. Spending controls specific to stores. Monthly cost from $4.99. BEST FOR SHOPPING AT WALMART Walmart MoneyCard 3% cash back at Walmart.com and through the Walmart app and other cash back rewards. Multiple accounts for family members. 2% APY on up to $1,000 in savings account. Best alternative to paying cash. NerdWallet’s rating is determined by the editorial staff. The scoring formulas take into account numerous data points associated with each financial product and service. Chime, Deposits are FDIC Insured Chime, Deposits are FDIC Insured Chime There are 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 multiple data points for each financial service and product. The Bluebird card, which is offered from American Express, offers more than the typical prepaid debit card, and you can load and spend money without incurring charges. However, Bluebird has limitations when it comes to merchant acceptance and doesn’t allow cash back when shopping at stores. General fees and features: There are no monthly fees and no costs for online activation or inactivity. Purchases: No cost. ATM withdrawals are free at ATMs that are part of the MoneyPass network; $2.50 fee at other ATMs, in addition to any ATM operator fees. Reloading methods: Direct deposit or debit card transfer, card-to card transfer, mobile check deposit (with an additional fee from a third party for instant processing) and cash load from Walmart or other retailers. (Retailers that are not Walmart may charge up to $3.95.) Other services include: Separate “set aside” accounts for savings and the possibility of having up to 4 subaccounts for relatives. There is no cash-back at retailers. This card was made through American Express, which isn’t accepted everywhere that Visa and Mastercard are. Return to top Find out More regarding Fifth Third Access 360deg Reloadable Prepaid Card. Best for ATM withdrawals. The ratings of NerdWallet are made by our editorial team. The scoring formulas consider several data points per financial product and service. Fifth Third’s Access 360deg prepaid debit card is part in Allpoint’s massive U.S. network and has access to over 50,000 ATMs. The card is accessible in the states where There are Fifth Third branches, which is the only way you can purchase the card. General charges and features: A monthly fee of $4 that is waived in the event you own an existing Fifth Third checking account or when you make $500 or more in deposits each month; no cost for activation or inactivity. Purchases: There are no fees. ATM withdrawals: Free in Fifth Third ATMs and ATMs within the ATM Allpoint network. Free at Presto! ATMs inside Publix stores and at 7-Eleven ATMs listed on the bank’s website or mobile app; $2.75 fee at other ATMs, in addition to any fees charged by the ATM operator. Reload methodsinclude direct deposit, bank transfer, cash load at Fifth Third branch or ATM. Other options: Card can have joint owners. It’s not connected to a national retail network to add cash and the card is accessible to residents of 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. The top of the page FamZoo Prepaid Card Best option for parents (tie) FamZoo is a family-friendly prepay Mastercard which allows parents to be virtual bankers for their kids as well as those who are younger than 13. Four cards are free for the monthly plan but more can be added for just $3 per card. On the app or website, you can send allowances, split payments, see the balances and activities across all cards and create email and text alerts. General charges and features you can prepay $59.99 to get two years’ FamZoo — which works out to $2.50 per month. Prepayment plans that are not prepay also offer discounts. If you don’t prepay, the fee is $5.99 for a monthly subscription. There are no charges to activate or stop your subscription. Purchases: No charges. ATM withdrawals: There is no charge from FamZoo However, ATM withdrawals may cost you: Since FamZoo does not have its own ATMs, third-party ATM operator charges can be imposed. Reloading options include : Direct deposit or bank transfer; PayPal, Apple Pay, Venmo and Square Cash transfer; PopMoney transfer (for a cost); add cash at retailers 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 that are available: Multiple accounts on one plan, unlimited and instant FamZoo card-to credit transfer, ability to secure and lock FamZoo cards as well as budgeting tools. Cons: No free ATM network; maximum monthly fee is more than average; and there is no mobile check deposit feature. >> Looking for a traditional account to spend? Look into NerdWallet’s accounts. To the page Greenlight Prepaid Mastercard is a great choice for Parents (tie) Greenlight stands out due to a feature that many prepaid cards lack: store-specific spending limits. Parents can approve where their children spend their money. So, a $300 earmarked for school supplies may only be spent at a campus bookstore, for example. This prepaid card also provides real-time alerts for activity, free card-to-card transfers for allowances and the ability to remotely lock out lost cards remotely. A Greenlight account can be able to have as many as five subaccounts making it suitable for a family. Given low purchase and withdrawal limits, it’s ideal to be used as a budgeting tool for the family rather than a bank account replacement. General fees and features: $4.99 to $9.98 monthly, based on your chosen package (more expensive plans offer features such as investing education and identity theft security) No charges of activation or inactivity or account closure. Purchases: No charges. ATM withdrawals: No fees from Greenlight, but ATM withdrawals will cost you. Since Greenlight doesn’t have any of its own ATMs, third-party ATM operator fees may apply. Reload methods: Direct deposit, debit card transfer, bank transfer. Other options: Up to five subaccounts, no international ATM withdrawal fee. Downsides: No cash or checks are able to be transferred; there is no free ATM network; the daily maximum for purchases per account for a family is $1,500 and the daily limit for ATM withdrawals is $100. These are significantly lower than the average for prepaid cards. Back to top Walmart MoneyCard is the best choice to shop at Walmart The Walmart MoneyCard offers its shoppers up to $75 in cash-back rewards. 3% for purchases made through Walmart.com and through the Walmart app, 2% at Walmart petrol stations, and one percent at Walmart stores. This app has high marks, is required to get fee-free cash reloads at Walmart stores. Walmart MoneyCenters and Customer Service desks also offer fee-free cash withdrawals. This card is reloadable and prepaid. It is suitable for families. It is possible to open an account at no cost for up to four additional individuals who have at least 13 years of age. The Walmart MoneyCard comes with a no-cost “Vault” saving feature. Savings earn an APY of 2% up to $1,000 upon the anniversary of card registration. Since it’s not part of an ATM system, customers will be charged $2.50 on ATM withdrawals in addition any fees charged by the operator. General fees and features: $5.94 monthly fee waived by a monthly payment of at least $500. $1 starter card purchase fee if purchased in store; no inactivity fees. Purchases: No fee. ATM withdrawals: $2.50 fee, plus any fees charged by the operator. Reload methods: Add cash via your Walmart MoneyCard app at Walmart stores; deposit checks via mobile; add funds from checks cashed through Walmart stores; pay $3 to reload cash at a Walmart store; or up to $4.95 to reload elsewhere. Other services include: up to four free additional accounts; savings account that offers 2% APY on the first $1,000and a chance to win cash prizes every month; possibility to lock and unlock your card through the app; and text and email alerts. Downsides: Fee to access ATMs; limited options to reload funds. Back to top >> Want to build your savings quicker? See our list of the most affordable alternatives to prepaid card with no fees. The distinction between the prepaid check accounts and debit cards is starting to fade, since they have the same features and features. This is especially true for mobile-optimized banking accounts: Like the majority of debit cards that are prepaid there are a few that don’t require a credit checks; however, unlike prepaid cards, these cards come with some extra perks including advanced savings features, bigger ATM networks, and check-writing privileges. Chime Best cheap alternative to NerdWallet’s ratings for prepaid cards are determined by our team of editors. The scoring formulas consider numerous data points for every financial service and product. Chime, Deposits are FDIC Insured Chime, Deposits are FDIC insured. Chime isn’t a debit card or traditional bank account but instead a free checking account within the Visa payment network. Though the account doesn’t come with paper checks, you can make use of Chime’s app for requesting checks be sent to a person, including you, for no cost. You can also create an associated Chime saving account to schedule automatic transfer. General fees and features: No monthly fee and no costs of activation, or for inactivity; no credit check. Cash withdrawal and third-party fees may be applicable. Purchases: There is no additional charge. ATM withdrawals: Free at over 60,000 ATMs within the Allpoint, MoneyPass and Visa Plus Alliance ATM networks; $2.50 at all other ATMs and any ATM operator fees. Cash withdrawal fees and third-party charges may be applicable. Deposit methods include direct deposit in the form of bank transfer, mobile check deposit. Add cash at retailers such as 7-Eleven or Walmart (the retailer may charge a fee) and at Walgreens for free. Other options: An optional savings accounts earn 2.00% annual percentage yield. Chime has two automatic savings plans: one in which each paycheck is credited with a portion of the money that is automatically deposited into the savings account, and the second where your purchases are round-up in dollars to nearest, and the difference is then rounded up directly to the savings account (see below for more details about Chime). You also get notifications of transactions in real time and also lock your debit card if you are unable to locate it. It is important to note that a Chime checking Account is required to open a savings account. There are downsides to this: the out-of-network ATM cost. Chime declares: “Chime is a financial technology company, not a banking institution. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A. and Members of the FDIC.” See more information 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 from the Chime checking Account to your savings account.” “The retailer who receives the cash is responsible for transferring the funds to Chime Checking Account. Chime Checking Account. There may be fees associated with cash deposits for a retailer other than Walgreens.” “Save When I Get Paid automatically transfers 10% of cash deposits up to $500 in your Checking Account into your savings account.” “Out-of-network ATM withdrawal charges may be charged, except for ATMs that are MoneyPass at a 7-Eleven or at any Allpoint as well as Visa Plus Alliance ATM.” “Mobile Check Deposit eligibility can be deduced by Chime in its sole discretion. The eligibility of a mobile check deposit is according to various factors, including as but not limited to direct deposit status.” The annual percentage yield (“APY”) is for Chime Savings Accounts is variable and may be changed at any time. 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 in savings to earn interest. Return to top of the list Best alternative debit cards for prepaid and prepaid: Summary Account/card Monthly fee Bluebird ATM Free from American Express $0 30,000+ Chime account $0 60,000+ FamZoo Prepaid Card $2.50 to $4.33 If prepaid $5.99 if billed None Fifth 3 Access 360deg Reloadable Prepaid Card $0-$4 50,000+ Greenlight Prepaid Mastercard $4.99 to $9.98 No Walmart MoneyCard $0-$5.94 There are no frequently asked questions What is a prepaid debit card? Prepaid debit cards can be used as a tool for budgeting or be a replacement for the bank account. They are convenient and don’t charge many costs. There’s no credit verification 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 poor credit background. It is possible to load funds into the prepaid cards prior to using them to purchase items. In general, you can use a prepaid debit card to withdraw cash from ATMs. Where can you get the prepaid card? Prepaid cards can be purchased at retail stores (usually for a charge) and some are ordered online. How do you add money to a prepaid card? The methods for adding cash to a prepaid credit card vary from card to card. The most common methods include cash deposits at a cash register (often for a fee) or by using an app for a mobile check deposit, and by direct deposit, card-to-card transfer and bank transfer. What is a prepaid credit card? The prepaid debit cards can be used to budget or be a replacement for a bank account. The offer convenience and don’t charge many charges. There’s no credit check 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 bad credit history. It is possible to load funds into pre-paid cards prior to using them for purchases. In general, you can make use of a debit card that is prepaid in order to cash out cash at ATMs. Where can you buy an prepaid card? Prepaid cards are available in retail stores (usually for a fee) and some are purchased on the internet. What is the best way to add money to a prepaid credit card? The methods for adding money to a prepaid card vary between cards. But generally, the options include cash-in at a cash register (often at a cost), adding funds by using an app to make a mobile check deposit, and by direct deposits, card-to card transfer, and bank transfer. Methodology: Top Prepaid Debit Cards for 2022 We examined 45 reloadable debit cards offered by the largest banks, credit unions and companies that issue prepaid debit cards. Where multiple card plans existed but only the monthly fee was evaluated. We analyzed four categories for each card: general fees and features, purchases and withdrawals, reloading fees and other options, as well as other services like bill pay and savings accounts. The cards included on this list were the most effective combination of these categories. Some of the cards featured in this roundup have nonbank program managers who collaborate with banks. In any case, all card issuers are banks who insure customers’ funds through the No cards above include overdraft costs. Prepaid debit cards we considered included: , , Fifth Third Access 360deg Reloadable Credit Card, Mango Visa Prepaid Card, , . Check out the 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 The 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 examined two alternatives, or alternative, banking accounts: and . What the ratings mean: The accounts are among the most excellent Excellent; only minor caveats for the majority of customers Good; issues that might affect some customers Make sure that strengths and weaknesses are a great match for you — Poor; proceed with extreme care (or below) The best option is to avoid: Spencer Tierney is an expert on certificates of deposit at NerdWallet. He has had his work featured in USA Today and the Los Angeles Times. Ruth Sarreal is a content manager at NerdWallet. She has edited and written content on personal finance topics for over five years. Similar to… Get a better checking account View NerdWallet’s top picks for the top checking accounts. Explore Banking even more deeply. Find more money-saving strategies 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 help you get more out of your money.

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