NextAdvisor's

Best Prepaid Cards

Those who are searching for a way to manage their budget or an alternative to paying cash will likely be pleased with prepaid cards. These cards allow users to make online bill payments and other purchases without worrying about cash, interest rates or late fees, and they don't require a credit check for approval. As such, prepaid cards are also a good fit for parents who want to monitor the spending of their children and teens or for those with poor or limited credit who aren't eligible for a credit card. Check out our list of the best prepaid cards we've reviewed below. When looking for a prepaid card, we recommend you read through the fee structure so there are no surprises later. The downside of prepaid cards is that they won't help rebuild your credit history because they don't report to any of the credit bureaus. If you are interested in cards that can help rebuild your credit, take a look at the best secured credit cards we've reviewed.

Updated 10-19-2017

Prepaid Cards Comparison Chart

Name & CardSet-Up FeeMonthly FeeCash Withdrawal FeesFeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
American Express Serve®
Free$1.00 (no fee in NY, TX & VT)*ATM = free at MoneyPass ATMs; otherwise $2.00
POS = free
Monthly fee waived with direct deposit; Deals & offers; mobile app; purchase protection; online account management
Our Rating:
Our top choice with very low monthly fees, strong online & mobile tools, and great American Express features.
American Express Serve® Cash Back
Free$5.95 (no fee in NY, TX & VT)*ATM = free at MoneyPass ATMs; otherwise $2.50
POS = free
1% unlimited cash back; Deals & offers; mobile app; purchase protection; online account management
Our Rating:
Unlimited 1% cash back, strong online & mobile tools, and great American Express features.
Bluebird by American Express®
FreeFreeATM = $0.00 or $2.00
POS = free
Mobile app; purchase protection; online account management
Our Rating:
No monthly fees, sub-accounts make inter-family money management easy, and terrific American Express features.
American Express Serve® FREE Reloads
Free$4.95ATM = free at MoneyPass ATMs; otherwise $2.00
POS = free
Free cash reloads; Deals & offers; mobile app; purchase protection; online account management
Our Rating:
Free cash reloads, strong online & mobile tools, and great American Express features.
Name & CardSet-Up FeeMonthly FeeCash Withdrawal FeesFeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
KAIKU® Visa® Prepaid Card
Free$1.95ATM = $0.00-$1.45
POS = free
Mobile app; text & email alerts; online account management
Our Rating:
A smart pick with low monthly fees, free in-network ATM use and great online & mobile tools
PayPal™ Prepaid Mastercard®
Free$4.95ATM = $1.95
POS = free
Online account management (requires PayPal acct); rewards program
Our Rating:
Low fee structure for basic activities like getting cash, but requires PayPal membership
Betty Boop Design CARD.com Visa® Account Prepaid Card
Free$0.00 - $9.95 (dependent on direct deposit)ATM = free at MoneyPass ATMs; POS = freeMonthly fee waived with direct deposit; mobile apps; online account management
Our Rating:
Best for Betty Boop lovers who plan on direct depositing at least $1K monthly
Netspend® Visa® Prepaid Card
Free$0.00 - $9.95
(depending upon plan)
ATM = $2.50
POS = $0.00-$2.00
Rewards program; mobile apps; text/email alerts; online account management
Our Rating:
Features great online and mobile tools along with prescription savings and limited rewards program
Name & CardSet-Up FeeMonthly FeeCash Withdrawal FeesFeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
MAGIC Prepaid Mastercard®
$4.95$4.95ATM = 2 free/mo, then $2.50
POS = free
Text/email alerts; online account management
Our Rating:
Reasonable fees and many free options for adding or withdrawing cash make this a card worth considering.
SpendSmart™ Prepaid Mastercard®
Free$3.95ATM = $1.50
POS = free
Lock & unlock teen's card via text; mobile app; text/email alerts; online account management
Our Rating:
Prepaid card for teens that allows parents to monitor teen spending and even block specific online and offline purchases
Green Dot® Prepaid Mastercard®
$4.95$4.95ATM = free at in-network ATMs, otherwise $2.50
POS = free
Mobile app; text/email alerts; online account management
Our Rating:
A good choice for a basic prepaid card; includes mobile app for keeping track of your spending
Account Now Gold Visa® Prepaid Card
Free$9.95ATM = $2.50
POS = free
Text alerts; online account management
Our Rating:
A basic prepaid debit card without frills
Name & CardSet-Up FeeMonthly FeeCash Withdrawal FeesFeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
READYDebit Platinum Visa® Prepaid Card
$9.95$14.95ATM = $2.00
POS = free
Mobile app; text alerts; online account management; credit score tracker
Our Rating:
Rather pricey but offers free credit score and score tracking with direct deposit

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.


About Us Blog Contact Us Forums Terms & Privacy Policy Affiliate Program Site Map
Copyright© 2006 - 2017 NextAdvisor.com - All rights reserved.

Advertiser Disclosure: NextAdvisor is a consumer information site that offers free reviews and ratings of online services. Many of the companies whose services we review provide us compensation when someone who clicks from our site becomes their customer. This is how we make money to support our site. The results of our analyses, calculators, reviews and ratings are based on objective quantitative and qualitative evaluation of all the cards on our site and are not affected by any compensation NextAdvisor may receive. Compensation may impact which products we review and write about and where those products appear. We do not review all products in a given category. All opinions expressed on this site are our own.