Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money. Visa Prepaid Card review

Last updated:  

Rein in your day-to-day spending with this personalized reloadable card.

  • Sign up for this card for nationwide ATM access and multiple ways to load your card without a credit check.
  • Pick something else if you plan to deposit less than $1,000 a month — otherwise, you’ll pay a monthly maintenance fee.


Monthly fee


Monthly fee with a direct deposit


Signature transaction fee


PIN transaction fee


Card typeDebit
Card networkVisa
Monthly fee$9.95
Monthly fee with a direct deposit$0
Signature transaction fee$0
PIN transaction fee$0

Expert review

Katia Iervasi

Review by

Katia Iervasi is a writer from Sydney, Australia. Her writing — and curiosity — has taken her around the world, and she now calls New York home. With a journalistic eye for detail, she navigates insurance and finance for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review’s prepaid Visa card is best for those who want nationwide ATM access and ways to load a debit card without a credit check.

But if you deposit less than $1,000 a month, you’ll pay $9.95.

The basics

Prepaid cards work a lot like debit cards. They’re a good option if you need help with budgeting or don’t want the hassles that come with a traditional credit card.

The Visa Prepaid Card is just one type of reloadable card on the market that you can use anywhere that accepts Visa. Dip your card at more than 39,000 ATMs across the country to withdraw funds. And when your funds run low, reload the card online, in stores or through an app.

However, if you deposit less than $1,000 a month, the card’s fees may outweigh its benefits.

What you’ll like

The Visa Prepaid Card boasts a slew of benefits, including the ability to choose the look of your card from an extensive gallery of fun designs. All without the need for a bank account.

Easy to use

  • Fee-free ATMs. Use your card at more than 39,000 MoneyPass ATMs across the country to withdraw cash.
  • No minimum balance. You can load as little as you need onto your card up to a maximum $15,000.
  • Speedy signup. Apply in a matter of minutes, and pay no fee to order or activate your card.

Competitive advantages

  • Choice of plans. Pay one maintenance fee for a single card or family plan of up to three card accounts.
  • Handy online banking tools. Check your balance, upload checks, transfer money and search for ATMs through the app or your online account.
  • Early direct deposit program. Receive your paycheck or federal benefits up to two days faster at no extra charge. To qualify, your payroll or benefits payment provider must submit the deposit early.
  • No direct deposit holds. With, you can access funds as soon as they’re loaded onto your card account.

Convenience and security

  • Multiple ways to reload. Add cash to your card by direct deposit, bank transfers, checks, card-to-card transfers and virtual wallet transfers from PayPal or Google Wallet. Or visit a Western Union or Green Dot location with cash.
  • Fraud protection. The card is issued by the Central Bank of Kansas City, which is FDIC-insured. It’s also protected by Visa’s Zero Liability Policy for unauthorized transactions.
  • No credit check. Because it’s not a credit card, there’s no soft or hard pull on your credit.

What to watch out for

The prepaid card may be popular, but that doesn’t mean it’s perfect. Weigh a few of its drawbacks against your needs.

  • Not nationwide. This card isn’t available in Connecticut or Vermont. If you move to one of those states, may close the card and return the remaining balance to you.
  • Limited support. Help is available only by phone weekdays from 7 a.m. to 7 p.m. CT.
  • Reload and transfer limits. With some methods, the limits can be low. For example, card-to-card transfers can’t exceed $300 a day, and Western Union cash loads are limited to $900 a day.
  • ATM withdrawal limits. You can withdraw up to $500 in cash per day.
  • Monthly $9.95 maintenance fee. waives the fee if you sign up for a qualifying direct deposit or deposit $1,000 or more in the previous month.
  • Ongoing costs. A long list of fees includes $2.95 for each withdrawal at an ATM overseas or outside the MoneyPass network, $0.95 for each balance inquiry at an out-of-network ATM, $1.95 for paper statements and $7.95 to replace a lost or stolen card. There’s also an over-the-counter withdrawal fee of $2.95 per transaction.
  • Foreign transaction fees. Jetsetters may be put off by this fee equal to 2.95% of each transaction in US dollars.

If you prefer a prepaid card with minimal fees, you’ll want to keep looking. As always, compare your options when looking for a prepaid card.

Compare with other prepaid cards

Name Product Signature transaction fee PIN transaction fee Monthly fee
PayPal Prepaid Mastercard
Use the no-cost direct deposit service and have access your funds up to two days faster than what traditional banks offer.
Pink Netspend Visa Prepaid Card (FeeAdvantage Plan)
$9.95 per month (or $5 with a $500+ direct deposit)
Trusted by more than 7 million people.
Netspend Visa Prepaid Card (Pay-As-You-Go Plan)
With Netspend, you get a convenient way to manage your money on a prepaid card that is packed with features. Visa Prepaid Card
$9.95 per month (or $0 with a $1,000+ direct deposit)
Customize your Visa prepaid card to fit you, and pick from two plans to fit your budget.
ACE Flare Account
$9.95 per month (or $5 with a $500+ direct deposit)
Withdraw up to $400 in cash per day without a fee at participating ACE locations when you have qualifying Direct Deposit activity.

Compare up to 4 providers

What should I know before I apply?

You must be at least 18 years old and provide:

  • Your full name, address and date of birth.
  • Government-issued documents, like your driver’s license or state ID.

How to apply for the Visa Prepaid Card

Applying for a card is simple: all you need to do is hop online and fill out an online order form. If can verify your identity, you’ll be approved within minutes. Follow these steps:

    1. Go to the website.
    2. Select Sign up for a single card plan.
    3. Choose your design. There are thousands on offer. Press See more if you need other options.
    4. Enter your first name, last name and email address. Click Next.
    5. Provide your address, date of birth and identifying documents.

How long will it take to get my debit card?

You can expect to receive your card in seven to 10 business days. Once you activate your card online or over the phone, you’ll be able to load funds onto it and use it immediately.

What do customers say about has been accredited with the Better Business Bureau since 2014 and boasts an A+ rating.

But customer reviews tell a different story. The BBB has registered 252 complaints in the past three years, most relating to problems with products and services. At the time of writing, earns 1.5 stars based on 34 reviews.

On TrustPilot, earns a four-star rating based on 851 reviews. Customers praise the simple signup, informative website and friendly customer service team. Some say the card is ideal to for everyday expenses.

I have the card. Now what?

Make the most of your new card with easy reloads, including options that can help you avoid the monthly fee.

  • Load money online. Deposit funds from an external bank account, upload and deposit checks on an app or transfer funds from an eligible digital wallet.
  • Set up direct deposit. Enroll in direct deposit through your customer account. You can automatically deposit all or part of your employer paycheck and any government benefits.
  • Avoid fees. Keep fees low by depositing at least $1,000 into your account each month, opting for electronic statements, sending funds through direct deposit or ACH transfers and using only MoneyPass ATMs.
  • Get help. Call 866-345-4520 weekdays from 7 a.m. to 7 p.m. CT, email or send a message on Facebook or Twitter. If your card is lost or stolen, report it 24/7 online or over the phone.

Frequently asked questions

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


  1. Default Gravatar
    July 11, 2019

    I made external transfer from my discover checking account to its already completed with discover when will release funds

    • Avatarfinder Customer Care
      July 13, 2019

      Hi Stephanie,

      Thanks for your question!

      According to our page and from the website, when a deposit is made on the Prepaid Card, Direct deposit capabilities is subject to payer’s support of this feature. Check with your payer to find out when the direct deposit funds will start. Funds availability is subject to payer’s timing.

      Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.


  2. Default Gravatar
    June 25, 2019

    Do I have a credit limit on this card?

    • Avatarfinder Customer Care
      June 25, 2019

      Hi Paige,

      Thank you for your comment.

      Please note that the Visa Prepaid Card is just one type of reloadable card on the market that you can use anywhere that accepts Visa. This is not a credit card, hence, there is no credit limit set up for this card.


  3. Default Gravatar
    April 18, 2019

    Can I transfer money to another bank account or card that’s not

    • Avatarfinder Customer Care
      April 20, 2019

      Hi Tuka,

      Thank you for getting in touch with Finder.

      You can not transfer money from this card to another bank or card.

      I hope this helps.

      Thank you and have a wonderful day!


  4. Default Gravatar
    January 18, 2019

    I’ve only read bad reviews for but it seems to be a pretty good card from what I just read. I’ve not used it yet but my solo pre paid card is terrible. I get charged for everything I do. When running at a store, ATM and when it don’t go through, they charge almost a dollar even when it’s not my fault so I’m just asking will this be the case with I need a card I can use everyday and not be charged for everything I do. Is there charges for online purchases?

    • Avatarfinder Customer Care
      January 19, 2019

      Hi Samantha,

      Thank you for getting in touch with finder.

      Some of the fees this card are $2.95 per withdrawal at an ATM not in the MoneyPass Network in the U.S. or international withdrawal, $0.95 per balance inquiry, at an ATM not in the MoneyPass Network, $2.95 per withdrawal – each time you request cash from a teller at a financial institution, $1.95 per monthly paper statement requested each time you request that they send you a paper statement etc. You may get further info on fees when you go to the Fee Schedule of their official page. Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!


Go to site