Compare READYdebit Prepaid Cards

READYdebit Prepaid CardsREADYdebit Prepaid Cards act as a checking account alternative, and let you spend money by loading up your card with the amount of money you choose.

Sometimes we need tools to stay on budget and track our spending. Using a solution like a prepaid debit card means you’ll never spend more than you load onto the card, and can avoid overdraft fees and minimum credit score requirements in the process. READYdebit Prepaid Cards have an online application and you are guaranteed 100% approval after successful ID verification. READYdebit even accepts you if you’re trying to rebuild your credit history and getting turned away from traditional banks.

As a cardholder, it is simple to make a purchase online or by phone, and you can use your READYdebit Prepaid Card to pay for gas, to book a flight, to buy merchandise, etc. If you want to pay your bills online, you can do so with your card.

READYdebit Visa Mint Control Prepaid Card

READYdebit Visa Mint Control Prepaid Card

A card that offers the convenience of debit transactions and bill pay — but be sure to read the cardholder agreement to understand applicable fees.

  • $0 monthly fee.
  • No fees for direct deposits.
  • No fees for third-party money transfers.
  • No credit checks.

    Types of READYdebit Prepaid Cards

    READYdebit’s prepaid cards offer easy online bill pay, free direct deposit, and ATM cash access. They also both guarantee approval upon successful ID verification, and do not require credit or ChexSystems checks. If you decide to load up your card with the direct deposit method, you can avoid cash checking fees. However, there are setup fees and other transaction fees involved. Be sure to understand all of the fees of the card you are applying for so they don’t sneak up on you.

    Rates last updated January 21st, 2017
    Minimum Credit Score Annual fee Monthly Service Fee ATM Withdrawal Fee ATM Balance Inquiry Fee
    READYdebit Visa Mint Control Prepaid Card
    If you’ve always wanted the convenience of making purchases with a debit card, you might want to give the READYdebit Visa Mint Control Prepaid Card a try.
    Poor (Below 660) $0 p.a. $0 $2.50 $1.50 Go to site More info
    READYdebit Control Visa Prepaid Card Latte
    The READYdebit Visa Control Prepaid Card lets you keep track of your purchases, and stick to a budget.
    Poor (Below 660) $0 p.a. $0 $2.50 $1.50 Go to site More info
    READYdebit Select Visa Prepaid Card
    The READYdebit Visa Select Prepaid Card is issued by MetaBank, and you can use it anywhere that accepts Visa.
    Poor (Below 660) $0 p.a. $9.95 $2.50 $1.50 Go to site More info

    READYdebit Rewards

    READYdebit does not appear to hold any awards.

    Benefits

    • No debt. Because READYdebit Prepaid Cards are not credit cards, you don’t have to worry about going into debt. The only money that can be spent on the card is the amount you choose to load beforehand. These cards take overspending out of the picture.
    • No carrying cash. Instead of carrying loose cash in your wallet, you can deposit your cash onto the card. Cards can be loaded by direct deposit, or by loading cash with Green Dot Reload @ the Register. You can also use Visa ReadyLink at retail locations to load up the card with cash.
    • Easy acceptance. You can get a READYdebit Prepaid Card even with bad or poor credit. Since you are not opening a line of credit, you don’t have to do a ChexSystems or credit check when you apply.
    • Accessible. You can use your card anywhere that accepts Visa. This includes places worldwide, online stores, gas stations, etc. Your card will be accessible at over one million ATMS.
    • Secure. Your money is protected by the Visa Zero Liability policy.
    • No minimum balance. With READYdebit Prepaid Cards, you do not have to worry about keeping a certain balance in your account. There is no minimum balance requirement.

    What to watch out for

    Fees can rack up. Even if a card has no monthly service fee, there is usually a small setup fee, and fees for purchases, foreign transactions, using an ATM, and inactivity. Read the fine print so you know which fees to look out for.

    How to apply

    Applying for a card is easy, and READYdebit guarantees 100% approval with successful ID verification. You will need to meet the following simple eligibility requirements:

    Eligibility criteria:

    • At the least 18 years old
    • US citizen


    Required documents & information:

    • Full name
    • Residential address
    • Birthdate
    • Email address
    • Phone number
    • Social security number

    You may also be asked to provide a copy of your driver’s license to help the ID verification process.

    Frequently asked questions

    Can you share money with these cards?

    Yes, you can share money between two READYdebit Prepaid Cards. Plus, sharing is instant.

    Is this a credit card?

    READYdebit Prepaid Cards are not credit cards. Instead, they are pre and reloadable cards. This means that you don’t have to worry about interest or late fees. Additionally, these cards are not loans or cash advances.

    How is this different than a checking account?

    These cards do not use traditional paper checks. Instead, they use online bill pay to send paper checks.

    How much money can I withdraw at one time?

    You can withdraw up to $500 per day at the ATM, or $1,000 per day with a bank teller.

    What is the best way to pay for gas with a prepaid card?

    When purchasing gas, make sure to take your READYdebit Prepaid Card into the store, and use it as a “debit” card. If you swipe at the pump, you may have a preauthorization amount of $125 or more. If you do not have $125 available, the hold will be placed on your remaining funds.

    What kind of ATM fees can I expect?

    You can expect a $1.50 fee per transaction every time you check your balance at an ATM. If your card is declined at an ATM, you will accrue a $1.00 fee per transaction.

    The U.S. ATM withdrawal fee is $2.50 per transaction. To avoid the withdrawal fee, READYdebit’s website recommends selecting “debit,” and entering in your PIN when you use your card. By doing so, you will get cash back when making purchases at your retail and grocery stores.

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