Prepaid Cards

Selecting a prepaid card can be difficult. There are numerous fees including variations on activation, monthly, ATM, or transaction fees. The key differences in the best cards boil down to monthly, ATM, customer service, and 3rd party load fees. The fee structure for these fees vary as some cards reduce or waive these fees for direct deposit customers or those customers that load a certain amount to the card. Our Prepaid Card Calculator estimates the total cost to own a card based on your usage and accounts for these different fee waivers. Use the sliders to the left to compare the cost of ownership on 29 prepaid cards.

Remember that unlike many checking accounts prepaids do not require a credit check but also remember that prepaids do not build credit. If you want to build credit we recommend Secured Cards

We have reviewed 29 prepaid cards.

29 false 2.5 8 1 0 1000 0 0 0 24 20 10 10 4000 8 10 10 48
Weekly Cost
Company Name
Key Card Highlights Daily Limits
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$4.78
AccountNow Gold
Add $2500+ and there is no monthly fee.
Customer service is free with direct deposit.
ATM withdrawal limit is lower than average.
Card Value: $10,000
Cash Load: $1,500
Spend: $2,000
ATM: $300
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$10.55
AccountNow VISA
One of few remaining cards with a transaction fee.
No monthly fee but transaction fees can add up.
Card Value: $10,000
Cash Load: $1,500
Spend: $2,000
ATM: $300
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$4.88
Vision Premier
Get 1% cash back on gas charges.
Relatively high monthly and activation fees.
The cash rebate can pay for the fees.
Card Value: $2,500
Cash Load: $999
Spend: $2,500
ATM: $500
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$2.00
AMEX Prepaid
No monthly fees, activation fees, or transaction fees.
Only works at places that accept AMEX
Does not have bill pay. Free customer service.
Card Value: $5,000
Cash Load: $1,000
Spend: $5,000
ATM: $400
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$5.53
READY Platinum
Free ATM balance inquiries and customer service.
ATM Owner's may still charge fee.
Card Value: $10,000
Cash Load: $2,500
Spend: $2,500
ATM: $500
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$4.63
READY Visa
No charge for ATM balance inquiries.
ATM Owner's may still charge fee.
One free customer service call a month.
Card Value: $10,000
Cash Load: $2,500
Spend: $2,500
ATM: $500
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$3.92
BuyRight
Basic monthly fee card with activation fee.
One free customer service call a month
Card Value: ?
Cash Load: $2,500
Spend: $2,500
ATM: $500
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$4.78
AccountNow MC
Normal monthly fee card.
No way to avoid monthly fee with deposits or loads.
Card Value: $10,000
Cash Load: $1,500
Spend: $2,000
ATM: $300
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$2.28
ACE Elite
Free withdrawals at ACE Stores with direct deposit.
Reload fees can be as low as $2 at some locations.
Free $10 purchase cushion.
Card Value: $15,000
Cash Load: $7,500
Spend: $4,999
ATM: $940
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$4.32
Control
Free $10 purchase cushion.
No ATM surcharge at All Point ATM's.
Some cash reloads locations charge a low $2.
Card Value: $15,000
Cash Load: $7,500
Spend: ?
ATM: $940
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$0.00
GreenDot Visa
100% free withdrawals at 20k+ Green Dot ATM's
Load $1000/mth and pay no monthly fee.
Reloads are done with MoneyPak
Card Value: $2,500
Cash Load: $2,500
Spend: $2,500
ATM: $400
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$0.00
GreenDot MC
100% free withdrawals at 20k+ Green Dot ATM's
Load $1000/mth and pay no monthly fee.
Reloads are done with MoneyPak
Card Value: $2,500
Cash Load: $2,500
Spend: $2,500
ATM: $400
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$2.18
iBankUP
Load $500 in a month and only pay $0.99 mthly fee.
Standard monthly fee is relatively low at $4.95.
Earn points to reduce fees.
Card Value: ?
Cash Load: $2,500
Spend: ?
ATM: $500
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$4.52
Rush KLS
Rushcard has multiple different custom designs.
Very high daily ATM withdrawal limits.
Keep average mthly balance >$500 and get a $2 credit
Card Value: $9,999
Cash Load: $1,000
Spend: $2,500
ATM: $1,500
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$4.78
NetSpend
Basic card with monthly fee.
Reload fees can be as low as $2 at some locations.
Card Value: ?
Cash Load: ?
Spend: ?
ATM: $940
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$3.09
Pay Pal
Lower monthly and ATM fees than most cards.
These fees can be avoided with higher loads, etc.
Free customer service.
Card Value: $15,000
Cash Load: $2,500
Spend: ?
ATM: $940
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$2.28
Pink ACE
Free withdrawals at ACE Stores with Direct Deposit.
Reload fees can be as low as $2 at some locations.
Free $10 purchase cushion.
Card Value: $15,000
Cash Load: $7,500
Spend: $4,999
ATM: $940
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$4.47
Rush Baby Phat
Keep average mthly balance >$500 and get a $2 credit
Higher than average ATM withdrawal limits
There are multiple card designs available
Card Value: $9,999
Cash Load: $1,000
Spend: $2,500
ATM: $1,500
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$4.42
Rush Black Diamond
Keep average mthly balance >$500 and get a $2 credit
Higher than average ATM withdrawal limits
There are multiple card designs available
Card Value: $9,999
Cash Load: $1,000
Spend: $2,500
ATM: $1,500
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$4.42
Rush DYNASTY
Keep average mthly balance >$500 and get a $2 credit
Higher than average ATM withdrawal limits
There are multiple card designs available
Card Value: $9,999
Cash Load: $1,000
Spend: $2,500
ATM: $1,500
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$4.36
Rush Original
Keep average mthly balance >$500 and get a $2 credit
Higher than average ATM withdrawal limits
There are multiple card designs available
Card Value: $9,999
Cash Load: $1,000
Spend: $2,500
ATM: $1,500
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$4.42
Rush Pink Diamond
Keep average mthly balance >$500 and get a $2 credit
Higher than average ATM withdrawal limits
There are multiple card designs available
Card Value: $9,999
Cash Load: $1,000
Spend: $2,500
ATM: $1,500
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$4.42
Rush Purple Diamond
Keep average mthly balance >$500 and get a $2 credit
Higher than average ATM withdrawal limits
There are multiple card designs available
Card Value: $9,999
Cash Load: $1,000
Spend: $2,500
ATM: $1,500
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$2.18
UPside
Load $500 in a month and only pay $0.99 mthly fee.
Standard monthly fee is relatively low at $4.95.
Earn points to reduce fees.
Card Value: ?
Cash Load: $2,500
Spend: ?
ATM: $500
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$0.69
Walmart Money
Free ATM withdrawals at 20k+ Money Pass ATM's.
Payroll checks can be reloaded for free at Walmart.
There is a low monthly fee that can't be avoided.
Card Value: $7,500
Cash Load: $2,999
Spend: $2,999
ATM: $400
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$1.14
Chase Liquid
Free cash loading and withdrawals at Chase ATM's.
Great card if a Chase branch is close to you.
Must sign up in person at Chase branch.
Card Value: no limit
Cash Load: no limit
Spend: $3,000
ATM: $500
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$2.00
AMEX Bluebird
No monthly fees, activation fees, or transaction fees.
Free cash loading at Walmart.
Free Money Pass ATM with direct deposit.
Card Value: $10,000
Cash Load: $1,000
Spend: no limit
ATM: $500
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$0.69
BB&T
Free cash loads at BB&T Branches
Free ATM usage at BB&T branches
Monthly fee and customer service fees.
Card Value: $10,000
Cash Load: $10,000
Spend: $3,000
ATM: $500
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$0.72
US Bank
Free cash loads at US Bank branches
Free ATM usage at US Bank ATM's
Activation and monthly fee are unavoidable.
Card Value: ?
Cash Load: ?
Spend: ?
ATM: ?
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