Prepaid and Debit Cards

Prepaid cards and debit cards are perfect for consumers that are wanting to avoid traditional credit card debt or those who may not qualify for a credit card. Compare the offers below to find which card would be best for you.

Playcard Prepaid Mastercard

Credit Recommended:
Not applicable
Get the Card on MetaBank® secure website.
Credit Recommended:
Not applicable
Credit Recommended
Not applicable
Brand Name
Visa
Credit Check
Not applicable
Get the Card on MetaBank® secure website.
Late Payment Fee
Not applicable

Highlights

  • Enjoy online gaming? Get PlayCard and Stay in the Action.
  • Separate your fun money from your budget.
  • No late fees or interest charges because this is not a credit card.
  • Use the Playcard 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.
See additional details for Playcard Prepaid Mastercard

ACE Flare™ Account by MetaBank®

Credit Recommended:
See website for Details*
Apply Now on MetaBank® secure website.
Credit Recommended:
See website for Details*
Activation Fee
See website for Details*
Monthly Fee
See website for Details*
Direct Deposit Fee
See website for Details*
Apply Now on MetaBank® secure website.
ATM Fee
See website for Details*
Credit Recommended
See website for Details*

Highlights

See additional details for ACE Flare™ Account by MetaBank®

GO2bank

Credit Recommended:
All Credit Types Considered
Apply Now on issuer’s secure website.
Credit Recommended:
All Credit Types Considered
Saving Rate
Earn over 10x the national savings rate average High-yield savings account, 1% APY paid quarterly on savings up to $5,000**
Overdraft Protection
up to $200 with opt-in and eligible direct deposits
Monthly Fee
No monthly fees with eligible direct deposit, otherwise $5 per month
Apply Now on issuer’s secure website.
Activation Fee
$0
Direct Deposit Fee
$0
ATM Fee
$0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.

Highlights

  • Get your pay up to 2 days early with ASAP Direct DepositTM
  • 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
  • Earn over 10x the national savings rate average High-yield savings account, 1% APY paid quarterly on savings up to $5,000**
See additional details for GO2bank

*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.

**1% Annual Percentage Yield (APY) paid quarterly on savings, of up to a $5,000 balance. APY as of March 2021, and may change anytime. National savings average based on FDIC-published rates as of 4/1/21 on the $2,500 product tier of insured depository institutions for which data is available.


Aspiration Spend & Save™

Credit Recommended:
All Credit Types Considered
Apply Now on issuer’s secure website.
Credit Recommended:
All Credit Types Considered
Products Offered
Cash Management Account
Coverage
U.S.
Credit Recommended
All Credit Types Considered
Apply Now on issuer’s secure website.

Highlights

  • Earn cash back on debit card purchases and more than 15x the national interest rate on savings
  • Choose a monthly fee you think is fair
  • Aspiration Spend and Save account does not include a credit card
  • Spend and save with fossil fuel-free deposits
  • Fee-free ATM withdrawals at 55,000+ Allpoint ATMs
  • Cash back on debit card purchases at socially conscious businesses
  • Up to 1.00% in interest on savings with Aspiration Plus
  • Option to plant a tree with every roundup
  • Personal impact score to help you shop to match your values
See additional details for Aspiration Spend & Save™

The Aspiration Plus Debit Card is issued by Coastal Community Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated. Aspiration Financial, LLC is not affiliated with any other named entity.


Mission Money Debit Card

Credit Recommended:
Bad, Good, Poor, Fair, Excellent (All)
Apply Now on Mission Lane secure website.
Credit Recommended:
Bad, Good, Poor, Fair, Excellent (All)
Card Brand
VISA
Credit Recommended
Bad, Good, Poor, Fair, Excellent (All)
ATM Fee
$0 (at in network ATMs)
Apply Now on Mission Lane secure website.
Checking Account Required
Yes
Monthly Fee
$0
Direct Deposit Fee
$0

Highlights

  • No account fees, no balance minimum
  • Access to 55,000 ATMs nationwide, fee-free
  • The coverage of VISA®, the security of FDIC
See additional details for Mission Money Debit Card
Advertiser Disclosure

More about Prepaid Cards…

Prepaid cards have typically been an invaluable asset for those who haven't yet established a credit history. They have also been one of the primary means of re-establishing credit after a bankruptcy or other financial difficulties that resulted in a poor credit rating. In both cases, they provide the company with a way to cut their risks while offering an option for customers with sub-prime credit ratings.

While every card has its own terms and conditions, prepaid cards require you to deposit funds with the company. They then issue you a card with a limit equal to the amount on deposit. Prepaid cards are very similar to debit cards except they don’t require a checking account.

*See online credit card application for details on the terms and conditions.


As featured on:
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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.