Card Category: Prepaid & Debit

Take a look at our list of the top ten highest-rated prepaid and debit card programs. The application process for these cards is quick, safe, and secure, and many of them do not require a credit check or minimum balance. It’s important to note that prepaid and debit cards differ from traditional credit cards in that you’re using money that you loaded onto the card beforehand to make purchases or pay bills online. Furthermore, some of these cards offer a direct deposit option, which eliminates the need to pay check-cashing fees. Let’s begin below.

Netspend® Visa® Prepaid Card

With Direct Deposit, you can get paid faster than a paper check

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    Variable Monthly Fee

  • Credit Recommended

    Limited

  • Regular Purchase APR

    n/a

  • Full Details

    Card Page

Highlights

  • With Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the Netspend Mobile App to manage your Card Account on the go and enroll to get text messages or email alerts (Message & data rates may apply).
  • Card use is subject to activation and ID verification. Terms and Costs apply.
  • Card issued by MetaBank® N.A., Member FDIC. Card may be used everywhere Visa debit card is accepted.
  • See additional Netspend® Visa® Prepaid Card details by clicking Apply Now
Card Details Page

GO2bank

Get your pay up to 2 days early - Get your government benefits up to 4 days early.*

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    0.00

  • Credit Recommended

    All Credit Types Considered

  • Regular Purchase APR

    n/a

  • Full Details

    Card Page

Highlights

  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

Card Details Page

Extra Card

No interest. No credit checks. No deposit required.

  • Card Brand

    MasterCard®

  • Rewards Rate

    Earn up to 1% in points

  • Annual Fee

    See Terms

  • Credit Recommended

    All Credit Types Considered

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

Highlights

  • Extra is the first debit card that helps you build your credit and earns up to 1% back in points for everyday purchases like gas, coffee and your phone bills.¹
  • No interest. No credit checks. No deposit required.
  • Track your spending & credit score—follow your progress with Credit Journey on the Extra App
  • Earn reward points—earn up to 1% back in points with every purchase and redeem them for cool products in the Extra Rewards Store¹
  • Use your bank—keep your money where you want, while spending smarter with Extra.¹
  • ¹The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. Rewards points only available with rewards plan.
Card Details Page
  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $0.00

  • Credit Recommended

    Limited to Good

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

  • $0 Annual Fee
  • $0 Foreign Transaction Fee
  • No Credit Check to Apply
  • No Minimum Deposit Required*
  • No preset spending limit
  • Doesn’t charge interest*
  • Reports to Experian, Equifax and TransUnion credit bureaus
  • Ability to instantly disable your card to prevent fraud
  • Can be used everywhere Visa is accepted
Card Details Page

View All Other Cards

blank

Excellent Credit

blank

Good Credit

blank

Fair Credit

blank

Poor Credit

blank

Bad Credit

blank

Limited Credit

blank

No Credit