In today’s financial landscape, debit cards offer a practical and secure way to manage your money.
However, not everyone has access to a bank debit card. That’s where reloadable prepaid debit cards come into play.
These cards are a flexible alternative to traditional bank cards, offering convenience and control over your finances.
Here, we’ll explore some of the best reloadable prepaid debit cards available, each with its own fee structure and unique perks. Ensure you keep reading to learn more.
- Bluebird Prepaid American Express Card – This is the greatest prepaid bargain on the market because there are no monthly or per-purchase fees. Withdrawals from MoneyPass ATMs are free within the network and cost $2.50 outside of it. Reloading cash can cost up to $3.95, but it’s free at Walmart.
This is our first recommendation if you want a simple alternative with the prospect of no costs (or extremely cheap fees compared to other cards).
Monthly Fee: None
Per-Transaction Fee: None
ATM Withdrawal Fee (MoneyPass ATM network): Free
ATM Withdrawal Fee (Out-of-Network): $2.50
Cash Reload Fee: Up to $3.95, but free at Walmart stores
- American Express Serve – Amex also offers four more prepaid cards, all of which are among the best in terms of low or no fees. If you have a monthly direct deposit of at least $500, the Direct fees per month and no Per-Deposit Serve prepaid card has no transaction or ATM fees.
If you won’t be using the card frequently, go with the no-fee Pay as You Go Serve prepaid card, which charges $1 per transaction and $2.25 every ATM withdrawal.
If you wish to avoid most per-transaction costs but won’t have a direct deposit, you might pay a monthly charge of $6.95 or $7.95 for one of the other cards (including one that offers cash-back benefits).
- Monthly Fee (Direct Deposit Serve): None
- Per-Transaction Fee (Direct Deposit Serve): None
- ATM Fee (Direct Deposit Serve): None
- Monthly Fee (Pay as You Go Serve): None
- Per-Transaction Fee (Pay as You Go Serve): $1
- ATM Fee (Pay as You Go Serve): $2.25
- Monthly Fee (Other Serve Cards): $6.95 to $7.95
- PayPal Prepaid MasterCard – The monthly fee for this prepaid debit card is $4.95, but there are no transaction fees.
There is a $2.50 fee for each ATM withdrawal. While in-person cash reloads incur a cost, you can reload the card for free via Direct Deposit or money from your PayPal account.
In collaboration with Netspend, this card is being issued.
- Monthly Fee: $4.95
- Per-Transaction Fee: None
- ATM Withdrawal Fee: $2.50
- Walmart MoneyCard – The well-known Walmart reloadable prepaid MasterCard has a $5.94 monthly fee, but it is FREE if you have one or more direct deposits that add up to more than $500 per month.
If you reload using the Walmart app and withdraw cash from Walmart locations, there are no transaction fees on purchases, and you can avoid other frequent fees. (Be sure to read the fine print; in some cases, you may be charged ATM fees or reload costs.) provides cash back incentives (up to $75 in rewards annually) when you use the card at Walmart.
- Monthly Fee: $5.94 (Can be waived with $500+ in direct deposits per month)
- Per-Transaction Fee: None
- ATM Withdrawal Fee (Walmart Stores): None
- ATM/Reload Fees (Other Circumstances): Vary
- Green Dot Prepaid Cards – Offers a monthly plan starting at $7.95, which can be reduced to zero if you deposit at least $500 via direct deposit to the card.
There are no transaction fees with that plan. Another option is the Pay-As-You-Go Plan, which has no monthly fee but does charge $1.50 for each card transaction and $3 for each ATM withdrawal.
Note that, based on the card you select, a $9.95 “inactivity fee” may be assessed after 90 days of inactivity.
- Monthly Fee (Reduced to $0 with $500+ in direct deposits)
- Per-Transaction Fee (Pay-As-You-Go Plan): $1.50
- ATM Withdrawal Fee (Pay-As-You-Go Plan): $3
- Inactivity Fee: $9.95 (after 90 days of non-use)
- Brink’s Money Prepaid MasterCard – provides three different pricing options, one of which is a pay-as-you-go plan with no monthly fee but $1.50 each transaction and $2.50 per ATM withdrawal. You can select the $5 Reduced Monthly Plan with no transaction fees (but still $2.50 per ATM withdrawal) if you have $500 in direct deposits flowing onto the card each month.
If you don’t have $500 in direct deposits, the normal monthly plan is $9.95 and has $2.50 per ATM withdrawal but no transaction fees.
- Monthly Fee (Pay-As-You-Go Plan): None
- Per-Transaction Fee (Pay-As-You-Go Plan): $1.50
- ATM Withdrawal Fee (Pay-As-You-Go Plan): $2.50
- Monthly Fee (Reduced Monthly Plan): $5
- ATM Withdrawal Fee (Reduced Monthly Plan): $2.50
- Monthly Fee (Standard Monthly Plan): $9.95
- ATM Withdrawal Fee (Standard Monthly Plan): $2.50
- Netspend Prepaid Cards – Offers a plan for $9.95 a month with no transaction fees, or you can select the Pay-As-You-Go Plan, which has no monthly fee but charges you $1.50 for each card purchase. Each ATM withdrawal will cost $2.95 under either plan.
A $5.95 monthly “inactivity fee” applies if the card is not used for 90 days.
- Western Union NetSpend Prepaid MasterCard – features a price structure that is similar to that of the reloadable NetSpend cards discussed above, but it also allows for Western Union Money Transfer, which is available in more than 200 countries.
- FamZoo Prepaid Debit Card – Although it is advertised as a reloadable prepaid card for children and teenagers since parents may manage their spending privileges, anyone can obtain one.
For one or more FamZoo cards, you can pay $5.99 per month, or you can pay as little as $2.50 per month if you pay for up to 24 months in advance. (You can use it for a month without paying anything.) Other than that, there aren’t any per-transaction fees or ATM fees from FamZoo (though the ATM operator might).
- Greenlight Prepaid MasterCard – Also promoted as a prepaid card for children and teenagers that has some parental controls (via the Greenlight app). The monthly fee is $4.99 (with cards for up to 5 children).
There aren’t any per-transaction or ATM fees (but the ATM operator might). No cash reloads; reloads must be made using a bank account or another debit card. Before a monthly price is charged, you have a month to test it out for free.
Frequently Asked Questions
What is the best reloadable card with no fees?
- Best for Walmart Shoppers: Walmart MoneyCard.
- Best for Rewards: American Express Serve Cash Back.
- Best for Cash Reloads: American Express Serve FREE Reloads
- Best Overall, Best for No Monthly Fee: Bluebird by American Express.
- Best for Tweens/Teens: FamZoo Prepaid Debit Card
Is there a prepaid debit card with no fees?
Bluebird® American Express® Prepaid Debit Account
With this card, you can reload it for free using a variety of methods, including cash or a debit card at Walmart locations. Additionally, adding money is free when done online with a debit card, by mobile check capture, or via direct deposit.
