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Which Prepaid Or Debit Card Do Most Customers Choose On Top10PrepaidCards.com?

Here are our Top 10 cards in the order of popularity from the previous month. We do not recommend or prefer one card over another. The order of popularity of our Top 10 cards and remaining cards listed on this site is determined by applications submitted by users of this website during the previous month. Popularity of a prepaid card or debit card is a good benchmark of the value, quality and usefulness of that card as researched by our viewers and is not influenced by the prepaid or debit card issuer's listed on this site. The prepaid and debit card offers listed on this website, Top10PrepaidCards.com, does not include all prepaid and debit card companies which issue cards to consumers in The United States or all prepaid and debit card offers currently available to residents of The United States. Our Top 10 list and order of the remaining cards are updated during the first week of each new month.

Click Card Name Below For Complete Information, Terms And Conditions Or To Apply Online At Each Individual Card Issuer's Secure Website.

1 READYdebit® Visa Mint Control Prepaid Card
2 Brink's Money Prepaid MasterCard®
3 READYdebit® Visa Latte Control Prepaid Card
4 ACE Elite™ Blue Visa® Prepaid Debit Card
5 PayPal™ Prepaid MasterCard®
6 READYdebit® Platinum Visa® Prepaid Card
7 AccountNow Gold Visa® Prepaid Card
8 READYdebit® Visa Select Ocean Prepaid Card  (NEW)
9 Western Union® NetSpend® Prepaid MasterCard®  (NEW)
10 Pink ACE Elite™ Visa® Prepaid Card
   
11 Pink NetSpend® Visa® Prepaid Card
12 READYdebit® Visa® Prepaid Card
13 ACE Elite™ Visa® Prepaid Card
14 Gold NetSpend® Visa® Prepaid Card
15 AccountNow Prepaid Visa® Card
16 NetSpend® Visa® Prepaid Card
17 AccountNow™ Prepaid MasterCard®
18 PEX Visa® Prepaid Card For Business



Prepaid and Debit Card Issuers





Useful Articles and Information

What is the difference between a Prepaid Card and a Credit Card?

First of all, a prepaid card is not a credit card. A credit card is issued to a customer as a form of payment for the purchase of goods and services by that individual. The issuer creates a line of credit to that customer. If the customer uses the credit card to purchase goods or services or for a cash advance, the customer must repay the debt monthly on a revolving basis, with interest, if the balance is not paid in full immediately after the debt is incurred. The credit card has a set account limit of the credit extended to the customer. Late charges can be added to the account if the payment due is received late to the issuer.


What is a Prepaid Card and what are the benefits compared to a Credit Card?

A prepaid card is also called a reloadable card or stored value card. Prepaid Cards are a great way to manage money. They are accepted by merchants who honor the Visa, American Express® or MasterCard brands, just as are credit cards. They are also accepted at ATMs worldwide. A prepaid card is a good choice for those who would like to control their spending with a pre-deposited amount placed in their account. Reloadable and convenient, and much better than carrying cash. Spend only what you deposit in your account, thus debt is not created by the consumer. Great for young people with a limited credit history or for individuals with damaged credit. Use your prepaid card to pay bills online, shop online or get a cash advance in an emergency. Once the money you load on your card is used up, it can be reloaded again and again to match you spending habits. You can stay within your budget and avoid a credit card debt load and associated interest costs, possible late fees, and a potential rise in your credit card interest rate. Many of the prepaid cards do not require a credit check or bank account. Prepaid card and debit card issuers offer many different services to the card holder. The services vary by card, so you should review each card carefully to find the prepaid card that meets your needs. These services may include: no overdraft fees, no minimum balance, free direct deposit, free online bill payment and check writing, free credit score, free mobile banking and text alerts, online accounts and parental controls, along with many other perks. Check whether the card is for unlimited use, reloadable again and again, or is for one-time use. The one-time use prepaid cards are used many times as a gift for an individual. There are fees associated for the use of prepaid cards, and you should read the terms and conditions of each card carefully before you apply.


Will A Prepaid Card Or Debit Card Help Build Or Restore My Credit?

The answer is no. Prepaid cards and debit cards allow you to spend only the money deposited in your prepaid or debit account, and the usage of your prepaid card or debit card is not reported to the credit agencies. Think of a prepaid or debit card as carrying your own cash in the form of a plastic card. If you have $200 cash in your wallet, and you spend $190, you have $10 cash left in your wallet to spend. If you have $200 in your prepaid or debit account, and you spend $190 using your prepaid or debit card, you only have $10 left to spend using your prepaid card or debit card. Just as you add more cash to your wallet, you reload your prepaid card or debit account with more money if you want to continue using your card.


What Is The Difference Between A Prepaid Card And A Debit Card?

Both prepaid cards and debit cards are funded by you depositing money into your personal account, which is linked to either type of card. A prepaid card can be used for purchases equal to the amount of money available in your prepaid account. A prepaid card cannot be overdrawn. If you pay for an item with your prepaid card which is more than the amount of funds available in your prepaid account, the transaction will be denied. Once the money in your prepaid account is used up, it can be reloaded with additional funds. There are fees associated with the use of prepaid cards, which vary by card. Debit cards or debit accounts are linked to a bank account. Your debit card purchases are drawn from the bank account linked to your debit card. There are fees associated with a debit card account. A possible overdraft if possible when using a debit card. Some debit card accounts charge a fee for an overdraft, some do not. Debit card accounts also offer additional features which are not available with a prepaid card, such as fund transfers and check writing. Also, debit accounts are more regulated by the government, thus providing more consumer protection. Direct deposit and cash reloads are available for both prepaid and debit card accounts. When direct deposit is set up for a debit account, some fees may be waived when using your debit card. Read the fee structure and disclosures carefully when applying for either a prepaid or debit account.


Help me choose the Prepaid Card or Debit Card that's right for me.

The top and most popular reloadable prepaid and debit cards are listed and previewed here. The cards are updated daily and new cards are added as they become available. We have listed the main benefits or highlights of each individual card, and you are welcome to review and compare each card. By clicking on "Apply Here" , you are taken directly to each card issuers' secure website for more complete information. Top10PrepaidCards.com saves you time and eliminates endless searching by listing the major prepaid cards used most by consumers in one place. Currently there are 18 cards listed here. Click on "apply here" at any time to connect to each card issuers' website and secure online application form.


Top10PrepaidCards.com Prepaid And Debit Card Trends Monthly Article From Our Editor

November 2012
Competition Between Prepaid Cards, Does The Consumer Benefit?

With the current economic conditions, prepaid cards are becoming increasingly popular with many consumers. Most cards have no credit check for the new applicant, much easier to obtain than a conventional credit card. With new cards becoming available on a monthly basis, competition between card issuers have led to some attractive offers and increased perks. How do you choose which card? The key to deciding which card to choose is by doing your homework. We already offer the preview highlights of each card, but you should browse through the list of cards and click on, "Apply Here", to read the details of each card direct from the card issuer, including the important terms and conditions. Find out if the card meets your needs. Do you require direct deposit? Are there monthly fees associated with direct deposit for that card? Can you make a cash withdrawal at an ATM and what is the charge for that cash withdrawal, or are cash withdrawals free? Is there an activation fee for your new card? Is the monthly fee for a particular card a set amount or a variable fee? Does the card offer online bill payments and online account management? Does the card offer card to card transfers of funds? Does the card offer a purchase rewards program? Check the reloadable balance of your new card, some offer a reloadable maximum balance up to $10,000.00. Are there alternative cash loads for the card other than direct deposit of your paycheck. Is there a minimum balance required for your card. As stated earlier, with the popularity and increased competition in the prepaid and debit card market, the perks and benefits vary from card to card. Take your time and do your research and find the right card that meets your needs.


December 2012
Teen Prepaid Cards

Teen prepaid cards are becoming more popular for parents to give their teens. Unlike credit cards, teen prepaid cards allow parents to preload and reload the card as needed, offering parental control over your teens spending. Some cards offer automatic reloads over a set time period, on a recurring basis, similar to an allowance. The account is available online, allowing complete management, including text alerts, purchase history and balance amounts. In some cases parents can lock or unlock their teens card with a simple text. Teens can learn financial responsibility by tracking and managing their money online. A set spending limit on the card insures proper money management as opposed to a credit card. A teen does not run the risk of missing a credit card payment, thus avoiding a possible negative impact on their credit report. Funding can be made from a bank account, parent checking account, parent credit card and in some cases a portion of your paycheck can be transferred by direct deposit. If a teen is working, their paycheck can be direct deposited to fund the card. MoneyPak® is also a funding option in some cases. ATM access is also available for some cards. Certain prepaid cards have a maximum load and minimum initial load amount, so read the terms and conditions of each individual card to see which is right for you. Monthly fees are very reasonable for the teen prepaid cards. So check them out, they are a great alternative to a credit card for a young person until responsible financial habits are developed.


January 2013
Use Your Prepaid Card To Direct Deposit Your Tax Refund Check

With tax time fast approaching, many people are using prepaid cards as a useful source for direct depositing their tax refund check. A large number of consumers choose not to have a conventional bank savings or checking account for managing their money, so a prepaid card is the perfect tool. Many cards offer free direct deposit options of your paycheck, government benefits check or IRS tax refund. Some card issuers claim that you may receive your tax refund in as few as 10 days, if you e-file and use direct deposit. Others state the process takes two weeks, still a great time saver. Direct deposit services vary by issuer. Some offer a text message service to alert you when your tax refund check has been deposited in your prepaid account. For example, RushCard, one of the largest prepaid card issuers, offers some useful and important guidelines for their tax refund direct deposit policy. When setting up direct deposit for a IRS tax refund check, have your prepaid card, when you originally obtain it, be sent to your home address and not your tax preparer's office. Also, if you are jointly filing your tax return, make certain the name on your card is the first person listed on your tax return. Tax refund direct deposits must be in the name of the cardholder to be direct deposited. Check the direct deposit policy of your card issuer carefully before you decide on a prepaid card, and make sure you set up your direct deposit correctly. The IRS also offers split direct deposits to one, two or three accounts, making managing your money even easier. If you are expecting an IRS tax refund in 2013 and don't deal with banks, look into a prepaid card with direct deposit, a great way for managing your money, and don't forget, you may also use the direct deposit option of your prepaid card for your paycheck or government benefits check.


February 2013
Is A Prepaid Card Becoming The "New" Checking Account?

With financial trends constantly shifting, prepaid cards are slowly replacing the traditional bank checking account as a useful consumer tool. Many consumers, who do not deal with traditional banks, have relied on check cashing and money order services, along with their associated fees, as their main financial tools. They have recognized the value of using a prepaid card. Many current bank checking customers, turned off by checking account fees or hefty overdraft charges, also have switched to reloadable prepaid cards, recognizing their benefit. Funding the card with direct deposit of your paycheck or government benefit check, and only having access to the amount deposited in the account, thus eliminates the possibility of an overdraft charge. Reloadable prepaid cards are one of the few banking products that are actually on the rise. Banks recognize this trend, and in a recent survey conducted by Mercator Advisory Group, commissioned by the American Bankers Association, found that 52% of banks plan to offer reloadable prepaid cards. The ability to manage your prepaid card online or with your mobile phone is also a useful and valuable tool. With the large number of prepaid cards available, do your homework and research your choice carefully, and find the card that best suits your needs. Read the important terms and conditions before signup, and review the fees associated with your card. Check our Top 10 list, which represents the popularity of a particular prepaid card as measured by the total number of applications submitted during the previous month by users of this website.


March 2013
The Consumer Speaks

Since Top10PrepaidCards.com does not recommend or prefer one card over another to be fair to all card issuers, last December we launched The Top 10 rankings of all prepaid and debit cards listed on Top10PrepaidCards.com. We have found that listing as many cards as possible in one location, along with card highlights for comparison and research, the consumer saves valuable time and eliminates searching. But something else was needed. Thus, the launch of The Top 10 list. The idea behind The Top 10 list was that individual consumer research in choosing a prepaid or debit card is the best indicator of a card's value, quality and usefulness. The list is made by totaling the number of applications submitted of each individual card the previous month by users of this website. Since the launch of the list, the consumer has spoken. The Top 10 list has become a useful tool of all users of this website in choosing their prepaid or debit card. The February list was expanded to include The Top 10 and the remaining 19 cards in their order of popularity. It is interesting to see some cards listed over and over in The Top 10, along with the month to month changes in The Top 10. We hope you find the list helpful, and look forward to your comments and discussion in the comments section, powered by Livefyre. If you have a minute, tell us about your experience with a particular prepaid or debit card, good or bad. If you have been using a card for a while, or have just received your card, let us know why you chose your new card, or your experience with your present card. This will help educate all consumers when choosing a card. This is our goal, and once again the consumer speaks.


April 2013
A Prepaid With A Cause

Individual prepaid cards offer various benefits to the consumer. From direct deposit to no credit check, fraud protection, online bill payer to rewards, issuers offer varied benefits to acquire customers. The Pink ACE EliteTM Visa® Prepaid Card is a unique card in the growing field of prepaid cards. Since 2006, as an official sponsor of the National Breast Cancer Foundation, a portion of all purchases from the Pink ACE Elite Card have contributed to over $2 million towards the National Breast Cancer Foundation early detection screening program for those in need. Jay Shipowitz, ACE CEO stated, “We are very proud of our contribution to the National Breast Cancer Foundation, The ACE Community Fund will continue to give back to worthy causes in the communities we serve.” The Pink ACE EliteTM Visa® Prepaid Card offers free direct deposit of your paycheck or government benefits payment, account alerts by email or text and card funds are backed by Visa® Zero Liability. As you choose your prepaid card, why not consider The Pink ACE EliteTM Visa® Prepaid Card, a great way to show your support for breast cancer research through your everyday purchases using the card.


May 2013
The Direct Deposit Option For Prepaid Cards

One of the many options consumers can take advantage of when choosing a prepaid card is the direct deposit option. Of the 30 cards listed at the time of this article, all 30 prepaid cards offer this direct deposit option. In most cases, the direct deposit option is a free service of the prepaid card. At the time of signup, click on the direct deposit option. You will be issued an account number and routing number with your prepaid card order, which you will give to your payroll department to start the process. This is also the case for recurring benefit payments, such as social security, veterans administration or railroad retirement benefits, just to name a few examples. This is a great service, saving the card holder the cost of a check cashing service, if that individual chooses not to have a conventional bank savings or checking account, or deal with a bank. Your funds are securely deposited into your prepaid card account and are immediately available. If you normally wait each month for your benefits check to arrive in the mail, this time will be eliminated, as your funds will be direct deposited on the issue date. Many card issuers state in their ads that this process can save up to two days on receiving your check. Some prepaid card issuers are offering a discounted monthly fee plan if you direct deposit a set amount of money each month, thus saving the card holder money. So explore the direct deposit option when searching for a prepaid card, and choose the prepaid card that best suits your needs.


June 2013
Prepaid And Debit Card Load Options

Prepaid and debit cards offer a variety of load options for funding your card. The methods vary from card to card, so we'll take a overall view of the major highlights of one of the most popular card issuer's. Most cards offer a direct deposit option of your paycheck or government benefits check. This is easily set up when you order your card. You will be issued an account number and routing number with your prepaid card order, which you will give to your payroll department or benefits provider to start the process. The direct deposit option is free with most prepaid cards, and some issuers offer a free cash bonus for recurring direct deposits in two or more consecutive months. AccountNow®, who is the provider of the AccountNow® Prepaid Visa® Card, AccountNow® Prepaid MasterCard® and the AccountNow® Gold Visa® Prepaid Card state that cash can be loaded on their cards instantly at over 135,000 locations nationwide. AccountNow® uses MoneyGram, a money transfer service that allows you to add money to your prepaid account with cash. MoneyGram locations include pharmacies, grocery stores and banks. Fill out the Express Payment form obtained from the in store MoneyGram display, the form includes the company name, your account number, your 16 digit card account number and how much money you want to add. Take the form to the cashier with the money you want to add for processing. There is an in store fee for processing your cash load, and your money will be available instantly. Cash can also be loaded at at over 46,000 Western Union agent locations nationwide. Ask for the Prepaid Services form. The process is similar to the MoneyGram load. Another method is the Green Dot® MoneyPak®. These are available at major retailers nationwide, including Walmart, CVS/Pharmacy, Kmart, Kroger, Rite Aid, 7-Eleven, RadioShack and Walgreens. Find the prepaid product display at a MoneyPak retailer. Purchase a MoneyPak at the register with cash for the amount you want to load. A fee will be added to your purchase. You may then reload your card online or call 1-800-GreenDot. Just enter your 16-digit card number and MoneyPak number to add the money to your card and your money will be available instantly. AccountNow® customers can also use REloadit Packs, which are available at Safeway, Save Mart, and Albertsons and are similar to the MoneyPak reloads. A fee is charged for the reload and your money is available instantly. As you can see, many options are available for funding your prepaid or prepaid debit card. The methods vary from card to card, and are readily accessible at many locations. When choosing you card, take into consideration the card's load options, and choose a card with the most convenient load options for you.


July 2013
What Is The Difference Between A Prepaid Card And A Debit Card?

Both prepaid cards and debit cards are funded by you depositing money into your personal account, which is linked to either type of card. A prepaid card can be used for purchases equal to the amount of money available in your prepaid account. A prepaid card cannot be overdrawn. If you pay for an item with your prepaid card which is more than the amount of funds available in your prepaid account, the transaction will be denied. Once the money in your prepaid account is used up, it can be reloaded with additional funds. There are fees associated with the use of prepaid cards, which vary by card. Debit cards or debit accounts are linked to a bank account. Your debit card purchases are drawn from the bank account linked to your debit card. There are fees associated with a debit card account. A possible overdraft if possible when using a debit card. Some debit card accounts charge a fee for an overdraft, some do not. Debit card accounts also offer additional features which are not available with a prepaid card, such as fund transfers and check writing. Also, debit accounts are more regulated by the government, thus providing more consumer protection. Direct deposit and cash reloads are available for both prepaid and debit card accounts. When direct deposit is set up for a debit account, some fees may be waived when using your debit card. Read the fee structure and disclosures carefully when applying for either a prepaid or debit account.


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Click "Apply Here" for complete information, including card terms and conditions, and to apply online at each card issuers' secure website.








   small top10 READYdebit® Visa Mint Control Prepaid Card






   small top10 Brink's Money Prepaid MasterCard®






   small top10 READYdebit® Visa Latte Control Prepaid Card






   small top10 ACE Elite™ Blue Visa® Prepaid Debit Card






   small top10 PayPal™ Prepaid MasterCard®






   small top10 READYdebit Platinum Visa Prepaid Card






   small top10 Account Now Gold Visa® Prepaid Card






   small top10 READYdebit® Visa Select Ocean Prepaid Card   (NEW)






   small top10 Western Union® NetSpend® Prepaid MasterCard®   (NEW)






   small top10 Pink ACE Elite™ Visa® Prepaid Card






   Pink NetSpend® Visa® Prepaid Card






   READYdebit® Visa® Prepaid Card






   ACE Elite™ Visa® Prepaid Card






   Gold NetSpend® Visa® Prepaid Card






   AccountNow® Prepaid Visa® Card






   NetSpend® Visa® Prepaid Card






   AccountNow® Prepaid MasterCard®






   PEX Visa® Prepaid Card For Business








* † See the online prepaid card and debit card applications for details about terms and conditions of offer.



Important Note For All Prepaid and Debit Cards Listed On Top10PrepaidCards.com:
Please read and understand each individual online prepaid card and debit card application for details about important terms and conditions of each offer. Reasonable efforts are made to maintain accurate information. However all card information is presented without warranty. When you click on the "Apply Here" or "Apply Now" button, a text link to "apply" or a text link name of a card, you are immediately directed to the individual prepaid or debit card application of your choice, located on the card issuer's secure website. Please carefully read all disclaimers, disclosures, fees, terms, exclusions and important information relevant to each individual prepaid or debit card you are interested in, as published, disclosed and maintained by each individual card issuer.