Prepaid Debit Cards

A prepaid debit card is neither a bank account nor a credit card. It is a reloadable account that is linked to a prepaid card, which can be used much like any debit card. There is no credit check required for a prepaid card. Different prepaid cards have different fees and features, so be sure to review a prepaid card’s fee schedule for signing up for one.

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READYdebit® Visa® Prepaid Card

Instant Account Number - Great for Tax Refund Direct Deposit! Free Direct Deposit - paycheck, benefits, tax refunds Get Details
Credit Score
Approval Data *
555 Average score
approved
497 Lowest score
approved
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N/A

Annual Fee

See Terms*

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N/A*

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AccountNow® Prepaid MasterCard®

$0 Monthly Fee No Credit Check or ChexSystems check Instant Account Number Free Direct Deposit - paycheck, benefits, tax refunds Get Details
Intro APR
Purchases

N/A

Intro APR
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N/A

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See Terms*

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N/A*

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Credit Score Approval Data * 562Average score approved 508Lowest score approved

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AccountNow® Prepaid Visa® Card

$0 Monthly Fee No Minimum Balance No Credit Check. No Overdraft Fee. Get Details
Intro APR
Purchases

N/A

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Balance Transfer

N/A

Annual Fee

See Terms*

Regular APR

N/A*

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Credit Score Approval Data * 531Average score approved 492Lowest score approved
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Frequently Asked Questions

What is the difference between a prepaid debit card and a regular debit card?

A prepaid debit card is a reloadable card and works like any debit card. But unlike a debit card, a prepaid debit card is not linked to a pre-existing bank account, and you don’t add funds through a bank teller. Instead, you can load a prepaid card with reload cards, online transfers and other non-traditional methods.

You can only get a debit card if you already have some kind of relationship with a bank, such as a checking or savings account, for example. Most prepaid cards are also FDIC-insured, which means they’re safer to use than uninsured payment methods.

What is the difference between a prepaid debit card and a credit card?

When you charge with a prepaid debit card, you don’t charge against a line of credit like you would with a credit card, where there is a maximum amount of credit you can charge. Prepaid debit cards are tied to the amount of money you choose to load, which means that after using all the funds, you need to add more money to the card.

Because you can’t charge against a line of credit, there’s also no chance for you to end up with a balance to pay off every month, which results in never accumulating interest. Credit card issuers also check your creditworthiness at the time of account application, but prepaid debit cards don’t require a credit history.

Why should I get a prepaid debit card?

If you currently do not have a relationship with any banking institution but you need to pay for purchases with a card as opposed to cash, a prepaid debit card may be a good payment option. For example, a prepaid card would come in handy if you want shop online, book a hotel or pay bills electronically.

If you do not have a credit history or if you have bad credit, a prepaid card is easier to acquire. And, if you are being denied a regular checking account, a prepaid card could be an alternative.

* The credit score approval metrics are only guidelines and approval is not guaranteed. This information is based on data provided by Credit Karma


See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms & conditions on the credit card issuer's website. Please note that Mybanktracker has financial relationships with some of the merchants mentioned here, and may be compensated if consumers choose to utilize the links located throughout the site.

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