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As its name implies, the Control Prepaid Mastercard puts you in control of your money with low fees, early direct deposits and an optional savings account that earns up to 5% APY. But it’s not open to Vermont residents and you’ll pay more for foreign transactions than you would with other prepaid cards.
Up to $7.95
Monthly maintenance fee
Signature transaction fee
PIN transaction fee
|Monthly fee with a direct deposit||$5|
|Signature transaction fee||$0|
|PIN transaction fee||$0|
|Additional Card Fee||$0|
Cassidy Horton is a freelance copywriter and journalist, specializing in personal finance. Her writing and analysis has been featured in Forbes Advisor, Money, The Balance, Money Under 30, Insure.com and other top digital publishers. She holds a BS in public relations and an MBA from Georgia Southern University.
The Control Prepaid Mastercard is best for individuals with no credit or bad credit who have at least $500 in monthly direct deposits. You’ll get your money up to two days faster than you would with a traditional bank. Plus, you can sock away cash for a rainy day in the optional savings account that earns up to 5% APY.
The Control card has low fees compared to other prepaid cards we’ve reviewed. You won’t pay anything for international ATM withdrawals, account inactivity or card purchases.
But the card isn’t open to Vermont residents and there’s no ATM network, so expect to pay $2.95. And if you’re traveling abroad, you’ll pay a 4% fee on foreign transactions.
The Control card has two payment plans — a monthly plan and a reduced monthly plan for those who have at least $500 in monthly direct deposits. Aside from the monthly fee, both plans are identical.
|Fee||Monthly plan||Reduced monthly plan|
|Card purchase fee||$0||$0|
|Domestic ATM withdrawal fee||$2.95||$2.95|
|Domestic ATM balance inquiry fee||$0.50||$0.50|
|International ATM withdrawal fee||$0||$0|
|ATM transaction decline — domestic or international||$1||$1|
|Foreign transaction fee||4%||4%|
|Cash reload||Up to $3.95||Up to $3.95|
|Over-the-counter withdrawal at a financial institution||$3.00||$3.00|
|Over-the-counter withdrawal at a Netspend Reload location||2.75% of the withdrawal amount or $4.00, whichever is greater||2.75% of the withdrawal amount or $4.00, whichever is greater|
|Account-to-account transfer fee with a customer service agent||$4.95||$4.95|
|Replacement card fee||$4.95||$4.95|
|Custom card fee||$4.95||$4.95|
Request your Control card in five simple steps:
Vermont residents aren’t eligible for the Control card. But anyone else in the US can apply as long as you’re at least 18 years old and can prove your identity.
Have this information ready when you request your card:
Once you request your card online, it should arrive in the mail within seven to 10 days.
The Control card comes with standard features like an intuitive mobile app, early direct deposits, real-time text alerts and no credit check, as well as:
The Control card has a long list of perks, but here are a few drawbacks to watch out for:
If you’re looking for a prepaid card with a lower monthly and foreign transaction fee, explore the best prepaid cards.
Now that you have your card, here are a few ways to make the most of it:
There are several ways to add money to your Control card:
Control Prepaid Mastercard is not currently available on Finder
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