2019: 10 Best Prepaid Cards in USA
Prepaid cards are quite popular in USA and are typically opted by individuals who cannot qualify for a debit card through the traditional checking account or credit card.
Here are the best prepaid cards in USA:
Bluebird by American Express
- Monthly fee is $0.
- There is no activation fee.
- The price of the card is $0, if you purchase it online but can have a cost of up to $5 if purchased at participating stores.
- There is no charge to add funds to your card if you do it through direct deposit, reload another debit card, or at Walmart. At other stores the charge can be up to $3.95. You can also make a check deposit with your cell phone at no cost, but the funds will be available for up to 10 days.
- Withdrawing funds is free of charge at MoneyPass network ATMs. Outside of that network, there is a $2.50 fee plus whatever you add from the operator of that ATM.
- There are no charges for using the card overseas, or for inactivity.
- There are also no card replacement fees or customer service calls.
American Express Serve
- Monthly fee of $1 or $0 if you have direct deposit of $500 or more. Also if you live in TX, NY or VT is $0.
- The card costs $0, if you buy it online or up to $3.95 at participating stores.
- There is no charge to add funds if you do it by direct deposit or transfer from your bank. But there is a cost of up to $3.95, if it is with cash at participating stores.
- Withdrawing funds is free of charge at MoneyPass network ATMs. But there is a $2.50 fee outside that network. In addition, the operator of that ATM will charge you other fees.
- There is a 2.7% fee for foreign transactions. No fees for inactivity, card replacement, or calling customer service.
Read: Prepaid card pros and cons
Chase Liquid Card
- Monthly fee of $4.95. But if you have a checking account with a high balance it is $0.
- No cost to get it but you can only open it at a Chase branch with a $25 deposit.
- There is no cost to add funds to the card and it can be done at a branch, by direct deposit, transfer from another account or depositing checks with your smartphone.
- You can withdraw money at any Chase ATM or at a branch at no cost. Outside of Chase, there is a $2.50 fee to access your account plus ATM operator fees.
- There are no fees for using your card for bill payments, or where Visa is accepted. But there is a 3% fee, if you use it abroad.
PayPal Prepaid MasterCard
- $4.95 monthly fee
- Cost to get card is $4.95 with an initial deposit of $10.
- There is no charge for transactions either using the debit or credit card option.
- Withdrawing cash from the card can have a cost that varies by location and cost $1.95 when using ATM plus costs that the operator of that ATM can add to it.
- There is no direct deposit cost to add funds to your account. And adding funds at locations associated with NetSpend Reload Network may have a fee.
- There is no cost to check your balance, either online or for customer service.
- Card replacement fee is $5.95
Walmart MoneyCard Visa
- Monthly fee is $5 or $0 if you made deposits of more than $1000 the previous month.
- No charge for reloading your card through direct deposit or through certain stores with Walmart Check Cashing.
- Withdrawing money at an ATM costs $2.50 and just checking your balance is $0.50.
- Replacement fee is $3
- You get 3% back for purchases at the Walmart.com online store. 2% back for Walmart gas stations and 1% for all other purchases made at Walmart.
Western Union NetSpend Prepaid MasterCard
- Monthly fees range from $0 to $9.95 depending on the three options available.
- There is no charge to get it and you can get it at participating Western Union branches or through direct deposit.
- When you make purchases you may be charged $0 to $1, if you use it as a PIN debit card or $0 to $2, if you use it as a credit card and signature.
- Withdrawing money from your card through an ATM may cost $2.50 plus ATM operator fees.
- There is no charge to check your balance online. But there may be a $0.50 charge to call customer service or check your balance at an ATM.
- There is a $3.95 fee to replace the card.
Netspend Visa Prepaid Card
- Very similar to the Western Union NetSpend Prepaid MasterCard.
- Monthly fee ranges from $0 to $9.95 depending on the three options available.
- When you make purchases you may be charged $0 to $1, if you use it as a PIN debit card or $0 to $2, if you use it as a credit card and signature.
- Withdrawing money from your card through an ATM may cost $2.50 plus ATM operator fees.
- There is no charge to check your balance online or via text, but there may be a $0.50 charge to call customer service or check your balance at an ATM.
- There is a $9.95 fee to replace the card.
Green Dot Prepaid Visa or MasterCard
- Monthly fee is $7.95. Or $0 with deposits of more than $1000 the previous month.
- There is no cost to access your money if you do it at the MoneyPass ATM network.
- Withdrawing cash outside of the MoneyPass network has a $2.50 transaction fee plus any fees the ATM operator may have.
- It costs $0.50 to check your card balance through an ATM.
- The cost to replace the card is $5.
AccountNow Gold Prepaid Visa
- Monthly fee is $9.95
- The cost to add money to your card varies. It can be up to $4.95.
- Withdrawing funds from your card is $2.50 per transaction but you may receive cash when making purchases and if the store allows. There is no charge if you use your PIN number.
- The fee to replace your card is $10.
Univision Prepaid Card
- $9.95 monthly fee
- There is no charge for using the card for online purchases, in stores or restaurants bill payments.
- There is no charge for withdrawals from the Allpoint network or from Target and 7-Eleven ATMs. Outside that network, the charge is $1.95 per transaction plus ATM operator fees.
- Adding money to your card is free with direct deposit or Univision.
- Card replacement fees is $9.95