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2 天前 · American consumers today are not a gullible group. Skepticism of, and even cynicism about, corporate claims and product testimonials are at a high water mark. Even when ample data exists to back a...
2024年4月9日 · 13 slang words Gen Zers are using in 2024 and what they really mean. Mykenna Maniece. Apr 9, 2024, 8:06 AM PDT. FG Trade/Getty Images. Just like the generations before them, Gen Z uses an extensive...
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- What Is A Prepaid Debit Card?
- Best Prepaid Debit Cards
- Best Prepaid Debit Card Reviews
- Advantages of Using Prepaid Debit Cards
- Criteria For Selecting Prepaid Debit Cards
- How to Choose The Right Prepaid Debit Card
With a prepaid debit card, you load money onto a card and use it to spend money. For example, if you put $1,000 on the card, you can spend up to $1,000 before your transaction is denied due to lack of funds. There are several ways to reload the card with more money. Most companies let you put cash on the card at places like Walmart, or you can depo...
Bluebird by American Express Prepaid Debit Card: Best for no monthly feesAmerican Express® Serve® Free Reloads Prepaid Debit Card: Best for free reloadsFamzoo Prepaid Debit Card: Best for kidsThe best prepaid debit cards will be easy to use, come with perks, and have low monthly fees. You'll also be able to reload them for free at many locations. And you won't need a checking accountin order to use them. Here are the best prepaid debit cards as picked by Business Insider editors in 2024.
Control Overspending
Prepaid debit cards help you limit how much you spend by giving you limited access to your funds. If your 50/30/20 rulebudget leaves you with $1,000 for shopping in a month, for instance, you can load only $1,000 onto your prepaid debit card and not have to worry about accidentally going over that threshold. This also helps avoid temptation; if you have a regular debit card and know you're over budget, but see something you really want, you might be tempted to dip into your emergency fundto g...
No Credit Check Required
Most bank accounts require some sort of credit check, although there are second chance bank accountsthat don't. Prepaid debit cards don't either, so if your credit score is low enough that you're struggling to open a bank account, a prepaid debit card might work for you.
Easy Reloading Options
Depending on the card, prepaid debit cards can come with a lot of different ways to reload them. Using ATMs, reloading in stores like Walmart, or depositing a check through a mobile banking appare all ways you can reload your prepaid debit card, among others. Some prepaid debit cards also let you direct deposit money into them. Keep in mind, however, that each of these reloading options can come with their own fees.
Fee Structure and Transparency
Most prepaid debit cards come with some sort of fee, but the best ones don't have many and are open about the ones they do have. Look for low-fee prepaid debit card options, such as cards with low or no monthly fees, cards with low or no fees for reload methods you're most likely to use, and cards with a clear fee structure so you know exactly when you'll be charged for what.
Ease of Use and Accessibility
The best cards offer several ways to reload them at many different locations. For example, a card that has a large ATM network and also lets you reload for free at Walmart will be easier to reload than a card that only lets you reload for free at a specific local bank's branches.
Additional Benefits and Rewards
Some cards come with bonuses, such as cash-back debit cards, cards that let you get early deposit, or cards with perks focused on helping kids learn how to use them. If those interest you, keep an eye out for prepaid debit cards that come with these rewards — but make sure that the bonuses aren't hiding higher fees than other cards might require.
Matching the Card to Your Spending Habits
Consider how you're planning on using the card. For example, if you want a prepaid debit card for kidsto use to help them learn how to manage their finances, there are several cards made for that exact purpose. If you know you'll use the card for online shopping, look into the best prepaid cards for online shopping. And if you know you're not going to use your card very often, prioritize a prepaid debit card with no monthly fees.
Considering Reload Methods and Convenience
You'll want to compare reloadable prepaid card features to choose a card with the reloadable options you plan on doing the most. Do you know you'll want to use direct deposit to reload your card? Look for prepaid cards with direct deposit benefits. Conversely, if you know you almost never travel, a card that's low-fee other than charging for using ATMs outside your local area might still be a good pick for you. Convenience is a factor here; if you can reload your card for free, but only at an...
Why You Should Trust Us: Experts' Advice on the Best Prepaid Debit Cards
We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best prepaid debit cards for your needs. 1. Sophia Acevedo, banking editor, Business Insider 2. Mykail James, MBA, certified financial education instructor, BoujieBudgets.com Here's what they had to say about kids' debit cards. (Some text may be lightly edited for clarity.) What should I look for in a prepaid debit card? Mykail James, MBA, certified financial education instructor,...
