Best Prepaid Cards for Bad Credit

Prepaid and debit cards offer the convenience of a card without the hurdle of a credit check. These cards are ideal for making daily purchases because they are debited directly from your account. These cards are generally guaranteed approval and are very similar in nature to a traditional checking account.
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1. Edge Prepaid Visa® RushCard

Edge Prepaid Visa® RushCard Card Signup Apply Here
  • Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
  • Approval upon successful ID verification.1 No credit check9 or minimum balance required.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Stay connected — keep track of your money on your mobile phone with the free RushCard app
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.7 See card site for details.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • Choose your card color - blue or pink
  • Click here for all official application terms and details.
Edge Prepaid Visa® RushCard Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

2. First Progress Platinum Select MasterCard® Secured Credit Card

First Progress Platinum Select MasterCard® Secured Credit Card Card Signup Apply Here
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Click here for all official application terms and details.
First Progress Platinum Select MasterCard® Secured Credit Card Card Signup Apply Here

Annual Fee

$39

Interest Rate

14.99%

Reports Payment

No

Editors Rating

3.7
Apply Now.

3. 24k Prepaid Visa® RushCard

24k Prepaid Visa® RushCard Card Signup Apply Here
  • Enroll in Direct Deposit and get your pay up to two days early.2 Certain restrictions apply. See card site for details.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Approval upon successful ID verification.1 No credit check9 or minimum balance required.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • Choose your card color -- blue or pink
  • Click here for all official application terms and details.
24k Prepaid Visa® RushCard Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

4. First Progress Platinum Elite MasterCard® Secured Credit Card

First Progress Platinum Elite MasterCard® Secured Credit Card Card Signup Apply Here
  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Click here for all official application terms and details.
First Progress Platinum Elite MasterCard® Secured Credit Card Card Signup Apply Here

Annual Fee

Interest Rate

19.99% (Variable)

Reports Payment

No

Editors Rating

3.7
Apply Now.

5. Blue NetSpend® Visa® Prepaid Card

Blue NetSpend® Visa® Prepaid Card Card Signup Apply Here
  • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit.
  • Guaranteed Approval* - No credit check needed (ID verification required).
  • Sign up for NetSpend Payback Rewards and earn cash back.
  • No late fees or credit card debt because this is not a credit card.
  • Use the Mobile App to manage your account on the go and get real time text message alerts (Message & data rates may apply).
  • Customize your card to add a personal touch or an extra layer of security.*
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details.
  • Click here for all official application terms and details.
Blue NetSpend® Visa® Prepaid Card Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

6. Midnight Prepaid Visa® RushCard

Midnight Prepaid Visa® RushCard Card Signup Apply Here
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.2
  • Enroll in Direct Deposit and get your pay up to two days early.2 Certain restrictions apply. See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Stay connected — keep track of your money on your mobile phone with the free RushCard app.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • Choose your card color -- blue or pink
  • Click here for all official application terms and details.
Midnight Prepaid Visa® RushCard Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

7. AccountNow® Prepaid Visa® Card

AccountNow® Prepaid Visa® Card Card Signup Apply Here
  • 100% Approval* (subject to I.D. Verification)
  • $0 monthly fee†
  • No minimum balance
  • No credit check∞. No risk of overdraft fee.
  • Free† direct deposit and online bill payment
  • Use it everywhere Visa debit card accepted
  • Easy online/mobile account access
  • Perfect for occasional usage
  • Click here for all official application terms and details.
AccountNow® Prepaid Visa® Card Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

8. Simmons Bank Visa® Platinum Rewards

Simmons Bank Visa® Platinum Rewards Card Signup Apply Here
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.50% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee
  • Choose your card color -- blue or pink
  • Click here for all official application terms and details.
Simmons Bank Visa® Platinum Rewards Card Signup Apply Here

Annual Fee

Interest Rate

9.50% (Variable)

Reports Payment

No

Editors Rating

3.7
Apply Now.

9. Carbon Prepaid Visa® RushCard

Carbon Prepaid Visa® RushCard Card Signup Apply Here
  • Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.2
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • Choose your card color - blue or pink
  • Click here for all official application terms and details.
Carbon Prepaid Visa® RushCard Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.

10. ACE Elite™ Blue Visa® Prepaid Debit Card

ACE Elite™ Blue Visa® Prepaid Debit Card Card Signup Apply Here
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.*
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Transfer money to another ACE Elite cardholder with no fee.*
  • Always know your balance - by mobile app, email, or text message. Standard data rates apply.*
  • Earn up to 5% APY while you save in an optional savings account.*
  • Earn cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.*
  • Perfect for occasional usage
  • Click here for all official application terms and details.
ACE Elite™ Blue Visa® Prepaid Debit Card Card Signup Apply Here

Annual Fee

Interest Rate

N/A

Reports Payment

No

Editors Rating

3.7
Apply Now.
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