Prepaid cards are not credit cards. Prepaid cards are an increasingly popular financial product that consumers use for a wide range of purposes – including as an replacement checking account (for those who don't mind sacrificing a physical checkbook), an
alternative check cashing tool and a means of teaching young people financial literacy. Make sure
…to compare the offers listed below, as available features vary by card and annual costs range anywhere from $0 to $400+, according to WalletHub’s latest Prepaid Card Report.
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Updating Debit Cards
NetSpend® Visa® Prepaid Card - Pay-As-You-Go
Monthly Fee
None
Activation Fee
None
Transaction Fee
Signature: $1
ATM: $2.5
ATM: $2.5
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- 100% approval - No credit check required
- Pay bills and make purchases online
- Use it when you can't use cash — everywhere Visa debit cards are accepted
- Protect your money — carrying a card is safer than carrying cash
- Put money on your card at any of more than 130,000 reload locations like Walgreen's® , 7-Eleven® and Western Union®
Exact Prepaid MasterCard
Monthly Fee
$2.95
Activation Fee
$2.95
Transaction Fee
Signature: Free
ATM: $2.95
ATM: $2.95
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- Shop everywhere Debit Mastercard is accepted—no fees for any purchase
- Pay your bills quickly and easily online. You can easily pay any biller at anytime. A $0.95 Bill Pay Fee will apply
- You can withdraw cash at no cost at most ATMs located in a Walgreens or Duane Reade near you. Select ATMs within Walgreens or Duane Reade stores may not offer no-fee cash withdrawals
- Reload your Card at thousands of convenient retail locations. A $2.95 load fee will apply to cash loads at any Walgreens or Duane Reade stores
- If your Card is ever lost or stolen, simply report it immediately, and the Mastercard Zero Liability policy will protect your available funds
Green Dot Prepaid Visa® Card
Monthly Fee
$7.95
Activation Fee
None
Transaction Fee
Signature: Free
ATM: $3
ATM: $3
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- No purchase fee online. If you purchase Green Dot Prepaid Visa® Card in a store, you have to pay $1.95 or less
- No credit check to get a card. No Overdraft fees. No purchase transaction fees
- Get paid up to 2 days earlier with free payroll direct deposit
- No charge to Reload your card with Direct Deposit. Reloading your card at a retailer will cost up to $5.95
- Monthly fee waived in any billing cycle when you have loaded $1,000 or more in the previous monthly period
- Enjoy 24/7 access to your money through the Green Dot mobile app! You can Deposit checks to your card right from your smartphone
NetSpend® Visa® Prepaid Card FeeAdvantage™ Plan
Monthly Fee
$9.95
Activation Fee
None
Transaction Fee
Signature: Free
ATM: $2.5
ATM: $2.5
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- No Credit Check. No Minimum Balance. No Activation Fee
- Get your paycheck or government benefits up to 2 days faster than a paper check with Direct Deposit
- Use the Mobile App to manage your account on the go and get real time text message alerts
- Automated service fee applies for each Balance Inquiry – CS agent
- There is a $4.95 Account-to-Account Transfer Fee conducted through a Customer Service (CS) agent
- Netspend Reload Network Locations: There are more than 130,000 convenient locations in the U.S. where you can add money to your card account
Western Union® NetSpend® Prepaid MasterCard® - Pay As You Go
Monthly Fee
None
Activation Fee
None
Transaction Fee
Signature: $1
ATM: $2.5
ATM: $2.5
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- No credit check and no late fees or interest payments because this is not a credit card
- Pay-As-You-Go Plan is automatically effective on your Card Account when you first obtain the Card
- Use the Refer-a-Friend program and when your family and friends fund their card with at least $40, you’ll each get a $20 credit
- Automated and Live Customer service fee of $0.50 applies for each Balance Inquiry
- There is a $5.95 fee for processing and mailing of a return of funds check at account closure. There is no fee if your balance is less than $6.95 at the time of account closure
- Visit any of the over 130,000 reload locations in the NetSpend Reload Network
Mango Prepaid Mastercard
Monthly Fee
$5
Activation Fee
None
Transaction Fee
Signature: Free
ATM: $3
ATM: $3
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- No sign up fee
- No activation fee
- No card shipping and handling fees
- No card to card online transfer fee
- If you enroll in Mango's free Direct Deposit you can open a Savings Account with as little as $1 and get up to 6.00% APY. You can enjoy up to 6 free transfers out each month and can even transfer money from your prepaid card to your savings account with a simple text message
- Get wireless alerts, and send money with a text message
- Mango allow you to check your balance with your mobile phone Visit your Mango cardholder portal online or by using your mobile device
ACE Elite™ Visa® Prepaid Debit Card (Pay-As-You-Go)
Monthly Fee
None
Activation Fee
None
Transaction Fee
Signature: $1
ATM: $2.5
ATM: $2.5
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- Send money to other ACE Elite cardholders at no-cost from your Online Account Center or Mobile App
- As a cardholder, you can open an Optional Tiered Rate Savings Account. Balances up to $1,000.00 currently earn 5.00% annual percentage yield. No minimum balance required
- Get real time transaction alerts sent to you by email or text message. No charge for this service, but your wireless carrier may charge for messages or data
- A portion of each purchase made with the Pink ACE Elite Visa Card is donated to the National Breast Cancer Foundation
- Automated and Live Customer service fee of $0.50 applies for each Balance Inquiry
ACE Elite™ FeeAdvantage Visa Prepaid Debit Card
Monthly Fee
$9.95
Activation Fee
None
Transaction Fee
Signature: Free
ATM: $2.5
ATM: $2.5
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- Use everywhere Visa debit cards are accepted
- It has Visa Zero Liability Protection and lets you manage and spend your money without having to worry about cash at stores, in restaurants, or shopping online
- Make unlimited purchase transactions for only $5 a month. To qualify for this low, monthly rate, simply direct deposit $500 or more to your Card Account in one calendar month
- As a cardholder, you can open an Optional Tiered Rate Savings Account. Balances up to $1,000.00 currently earn 5.00% annual percentage yield. No minimum balance required
- You can make up to $100 in no fee cash withdrawals per day using the ACE Elite card at participating ACE Cash Express locations. Card must have been obtained at a participating ACE store or www.acecashexpress.com and a direct deposit (no dollar minimum) made to the card within the immediately preceding 35 days is required. See store for details
- Automated and Live Customer service fee of $0.50 applies for each Balance Inquiry
KAIKU® Visa® Prepaid Card
Monthly Fee
$3
Activation Fee
None
Transaction Fee
Signature: Free
ATM: $3
ATM: $3
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- SIMPLE FEES - It’s only $3/month when you use in-network ATMs, and that’s easy to do, since the Kaiku Card may be used at any of the 55,000 Allpoint surcharge-free ATMs worldwide. The fee is waived if you load at least $750.00.
- MOBILE CHECK LOADING - Snap a picture of your check and load it to your card from anywhere with the Kaiku Mobile App on iOS and Android.
- SIX EYE-CATCHING COLORS - Select a vertical woodgrain card design that reflects your own personal style: Ninja Black, Grizzly Brown, Unicorn Pink, Shark Bite Teal, Artsy White or Jurassic Amber.
BB&T MoneyAccount Prepaid Card
Monthly Fee
$5
Activation Fee
None
Transaction Fee
Signature: Free
ATM: $3
ATM: $3
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- No overdraft fees or interest charges
- Utilize as a companion card to your checking account. Easily transfer money to and from your BB&T MoneyAccount®
- Use your prepaid debit card to make secure purchases with mobile devices from Apple®, Android® or Samsung®
- You are entitled to two (2) free calls per month. After that the fee is $2 to speak with a Client service representative
- Monthly fee: $5; $3 for any month in which you have total deposits/loads of at least $1,000
- Withdraw cash at over 3,100 BB&T ATMs and most other ATMs.
