Credit Cards
August 11, 2019

Best Prepaid Credit Cards

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Prepaid credit cards can be a good way to have a credit card without the hassle of actual credit. Cards have evolved over the years and now offering more features than before, like early paycheck deposit, making it easier and more convenient to use a prepaid card than cash. Keep in mind that prepaid credit cards do not report to the credit bureaus, so having one will not improve your credit score.

What should you look for when searching for a prepaid credit card? Here’s a list of things to keep on eye out for during your search:

  • Fees: The first thing is fees. Make sure you know what fees the card charges and if it requires a minimum balance, as most do. The best cards have no activation fee, so look for cards that waive that.
  • Rewards: Most prepaid credit cards don’t come with rewards, but there are a fee that do, so seek those out. One nice perk is getting cash back when you sign up for direct deposits — which is depositing all or a portion of your paycheck to the prepaid card. Another perk is getting your paycheck 2 days early, which a lot of the top prepaid cards are now offering.
  • Customer service: Check out how friendly and helpful the customer service is before you sign up for a card. Call and ask them questions about the card, even if you know the answer. When it comes to your money, nothing is more comforting than knowing your prepaid credit card company has your back.

We looked through the top prepaid credit cards to find the best of the bunch. Here are some of the cards that stood out to us:

AccountNow Gold Visa Prepaid Card

  • Best for: People who want a prepaid card with a lot of features. Learn more.
  • Rewards: You get a $15 bonus for qualifying direct deposits from your paycheck onto the card.
  • Features: You can get approved with just an ID verification, with no credit check needed. You can also access the funds from your paycheck 2 days early when you use direct deposit to load your paycheck onto the card.
  • Fees: There is no activation fee, which many prepaid cards have, and no minimum balance required.
  • Learn more about this card here.

Midnight Prepaid Visa RushCard

  • Best for: Easy-to-use prepaid card. Learn more.
  • Features: You get easy sign up. Just pick a secure pin and load money onto your card, and you are ready to go. The card also gives you access to the funds from your paycheck 2 days early when you use direct deposit to load your paycheck onto the card. This card is also protected by the FDIC, which means your funds are safe.
  • Fees: A one-time fee of $3.95 is charged when you first fund your card.
  • Learn more about this card here.
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