Top 10 No-Annual-Fee Prepaid Debit Cards in the US

Top 10 No-Annual-Fee Prepaid Debit Cards

More Americans are choosing no-annual-fee prepaid debit cards for their convenience and benefits. Here are some of the top options available in the US:

American Express Serve Rewards
This card offers free direct deposits and ATM withdrawals. It rewards users with 1% cashback on every purchase, with no cap. No credit checks or minimum balances are required, and registration is free online. A small monthly fee of $5.95 applies.
This is a highly recommended prepaid card for those seeking no-annual-fee options.

This card is among the best prepaid options without fees.

BBVA Compass ClearSpend Prepaid Card
Secure and easy for cashing and checking, this card helps manage spending via its app with real-time alerts. It supports virtual purchases, offers a custom budget, and has no overdraft, purchase transaction, or load fees. No credit check is needed.

Kaiku Visa Prepaid Card
This new card offers low fees, requiring no maintenance charges if you deposit $750 monthly via direct deposit, making it user-friendly and cost-effective.

NetSpend Visa Prepaid Card
Known for its transparent fee structure, it offers multiple plans—such as a no-fee plan with a small signature purchase fee or plans with monthly fees and unlimited transactions. If you make fewer transactions, the no-fee plan is ideal. For frequent users, plans like the NetSpend Premier provide cost savings with higher allowances for transactions.

Card.com Visa Prepaid Card
Choose from stylish designs, avoid overdraft and late fees, and enjoy no minimum balance requirement. Joining is free, with a $5.95 monthly fee and a $1 fee for balance inquiries.

H&R Block Emerald Prepaid MasterCard
No monthly maintenance fees, broadly accepted, and suitable for banked users. It facilitates direct deposit setup at H&R offices, making income management easier.

Mango Money
Earn up to 6% APY and pay a $3 monthly fee—waived with a $500 deposit per month. Limited ATM fees and free online balance checks make it popular, with no activation or sign-up fees.

Green Dot Card
A longstanding leader in prepaid cards, it avoids the $4.95 activation fee when purchased online and offers no ATM fees at MoneyPass ATMs. The monthly fee is approximately $5.95.

Western Union® NetSpend Prepaid MasterCard
Features include free government benefit deposits and a pay-as-you-go option. Usage fees include $1 per purchase and $2 per PIN transaction, with premium plans for frequent users offering unlimited transactions.

AccountNow Prepaid Visa Card
Ideal for infrequent users, with a one-time activation fee of $4.95. It charges about $1 per transaction and has a $9.95 monthly fee, serving as a simple savings account alternative.

These options provide budget-friendly prepaid debit solutions that suit various needs and spending habits.