Prepaid Debit Cards Prepaid Visa Credit Cards Prepaid MasterCard
Prepaid credit cards in the USA are commonly referred to as prepaid debit cards or reloadable prepaid cards. These are not true credit cards (they don't involve borrowing or building credit unless specifically designed that way, like some secured options). Instead, you load money onto them in advance and spend only what's available—no credit check required for most general-purpose ones.
They function like debit cards but are prepaid, widely accepted where Visa, Mastercard, or American Express debit is accepted, and often come with mobile apps for management, direct deposit, and reload options at retailers.Here are some of the most popular and highly rated prepaid cards available in the USA (based on recent reviews from sources like NerdWallet, U.S. News, CNBC, and others as of early 2026). Fees, features, and availability can change, so check the official sites for the latest details.
Walmart MoneyCard
https://www.walmart.com/cp/walmart-moneycard/1073524
Great for Walmart shoppers with cash-back rewards at Walmart stores/fuel/app, and potential to waive monthly fees.Greenlight Prepaid Mastercard — Family-focused with parental controls, great for teaching kids/teens money management.
https://greenlight.comFamZoo Prepaid Card — Another strong family option with tools for allowances, chores, and family transfers.
https://famzoo.com
PayPal Prepaid Mastercard — Convenient if you use PayPal, with easy loading from your PayPal balance.
https://www.paypal.comGO2bank
https://www.go2bank.com
The mobile bank that works for you
Early paydays
No monthly fee w/ eligible direct deposit
High-yield savings
Credit building products
GO2bank cards issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc.Netspend Visa Prepaid Card — Popular for no credit check, wide reload network (over 130,000 locations), and features like cash back in some plans.
https://www.netspend.comBluebird by American Express — Known for no monthly fees, free ATM withdrawals at many locations, and convenient reloads.
https://www.bluebird.comServe American Express Prepaid Debit Account (various options like Free Reloads or Cash Back versions) — Offers flexible reloads (many free at retailers) and cash back on some versions.
https://www.serve.com
smiONE Visa Prepaid — Focuses on convenience and fraud protection.
https://www.smionecard.comVisa Prepaid Cards
https://usa.visa.com/pay-with-visa/find-card/get-prepaid-card
Easy to use and reloadable, Visa Prepaid cards go everywhere you do. No credit check or bank account needed.
Mastercard consumer prepaid
https://www.mastercard.com/us/en/personal/find-a-card/prepaid-card.htmlTips: Compare fees (monthly, reload, ATM) based on your usage. Many avoid monthly fees with direct deposit or minimum activity. Prepaid cards are useful for budgeting, unbanked individuals, or gifting control to teens. Always review the cardholder agreement on the official site.
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