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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.
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Monthly maintenance fee


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

Review by

Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

The Visa prepaid 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.

How do I open a Visa Prepaid Card account?

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 provider’s site and follow the steps to apply.
  2. From the website, select Choose Your Card.
  3. Choose your design. There are thousands on offer, so 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.


The Visa Prepaid Card isn’t open to Vermont and Connecticut residents. But it’s open to any other US citizen or resident who is at least 18 years old.

Required information

Have the following information on hand when you apply for this card:

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

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 is

The Visa Prepaid Card packs a punch with over 1,000 personalized card designs to choose from. As a card holder, you’ll enjoy early direct deposits and fee-free access to over 32,000 MoneyPass ATMs nationwide. But you’ll need at least $1,000 in direct deposits to waive the monthly fee.

What you’ll like about the Visa Prepaid Card

The Visa Prepaid Card doesn’t require a credit check and boasts a slew of benefits, including fraud protection from unauthorized transactions and a handy mobile app that lets you manage transactions, upload checks and search for ATMs, as well as:

  • Variety of design options. Choose the look of your card from an extensive gallery of more than 1,000 fun designs.
  • Speedy signup. Apply in a matter of minutes, and pay no fee to order or activate your personalized prepaid card.
  • One simple plan. lets you open up to three card accounts with three different designs for a flat $9.95 monthly fee. But the fee is waived when you make at least $1,000 in monthly direct deposits across all accounts.
  • 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 of $15,000.
  • Early direct deposits. lets you access funds as soon as they’re loaded onto your account, which means you could receive your paycheck or federal benefits up to two days faster at no extra charge.
  • 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.

      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 withdraw limits. Card-to-card transfers can’t exceed $300 a day, Western Union cash loads are limited to $900 a day and you can’t withdraw more than $500 from an TM each day.
      • Ongoing costs. On top of the $9.95 monthly fee, you’ll pay $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, and a 2.95% foreign transaction fee.

      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 Annual or monthly fee ATM withdrawal Features
      Brinks Prepaid Mastercard
      Brinks Prepaid Mastercard
      $9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
      • Mobile app
      • Direct deposit
      • Payback rewards
      No credit check. No minimum balance. No late fees because this is not a credit card.
      Netspend Prepaid Mastercard, WWE partner
      Netspend Prepaid Mastercard, WWE partner
      $9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
      • No activation fee
      • Payback rewards
      • No minimum balance required
      No credit check, mobile check load, and now a WWE partner
      Finder Rating: 4.6 / 5: ★★★★★
      $48 per year or $4 per month
      • Low fee
      • Investing
      • Parent-paid interest
      • Donation options
      The BusyKid Visa® Prepaid Spend Card gives your kids the freedom to spend anywhere Visa® is accepted, and parents see every transaction made.
      Netspend All-Access Account
      Netspend All-Access Account
      $5 per month
      • Earn cash back on everyday purchases
      • Earn up to 6% APY with an optional Savings Account
      • Receive your paycheck up to 2 days earlier with Direct Deposit
      With Netspend All-Access Account there's no credit check and no minimum balance to open an account.
      PayPal Prepaid Mastercard
      PayPal Prepaid Mastercard
      $4.95 per month
      • Manage money on the fly
      • Receive special offers and cash back rewards
      • Get your state and federal tax refund faster than a paper check
      Use the no-cost direct deposit service and have access your funds up to two days faster than what traditional banks offer.

      Compare up to 4 providers Visa Prepaid Card reviews and complaints has been accredited with the Better Business Bureau since 2014 and boasts an B+ rating.

      But customer reviews tell a different story. The BBB has registered 265 complaints in the past three years, most relating to problems with products and services. As of October 2020, earns 1.1 stars based on 41 reviews.

      On TrustPilot, earns a 4.5-star rating based on 26,888 reviews. Customers praise the simple signup, informative website and friendly customer service team. Some say the card is ideal for everyday expenses.

      I have the card. Now what?

      Make the most of your new prepaid 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

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      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.


        Default Gravatar
        July 11, 2019

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

          Default Gravatar
          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.


        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.


        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!


        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!


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