Which Prepaid Card is Best for Online Purchases?
Prepaid debit cards are an excellent alternative to traditional bank accounts. Many offer the same features as a checking account: online bill pay, mobile check deposit, and direct deposit, with no overdraft fees. All of the prepaid debit cards on our list have great features and benefits; some even allow you to create sub-accounts with your own prepaid cards. So now we will talk about the popular question, ‘Which prepaid card is best for online purchases?’
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The best prepaid debit cards to buy online:
These are some of the best options that we could find for the USA, the purpose is to give you an idea with some information but there are many different cards available on the internet.
1. American Express Serve FREE Reloads
It does not charge any top-up fees, which is an advantage if you need to do multiple cash top-ups in one month. The recharge network has more than 45,000 locations and includes CVS Pharmacy, General Dollar, Family Dollar, Rite Aid, Walmart, 7-Eleven, etc. There is no charge for adding money to a bank account. You’ll have free access to online bill pay, fraud protection, and free advance direct deposit. The card itself is free if you order online or $ 3.95 when purchased at a retail store. Card replacement, secondary accounts, and customer service are free. ATM withdrawals are free if you use the MoneyPass ATM. Otherwise, you will pay a $ 2.50 ATM fee.
2. American Express Serve Cash Back
If you plan to spend more than $ 800 each month on your prepaid card, you must have the American Express Serve Cash Back in your wallet. You’ll get unlimited 1 percent cash back rewards every time you shop with your prepaid card. Your cash rewards are added to your card immediately after you earn them, and you can redeem them at any time. Enjoy free direct advance deposits, free in-network ATM withdrawals, fraud protection, and 90-day purchase protection on purchases up to $ 1,000. The cash top-up fee varies by retailer and is up to $ 3.95.
3. Netspend Prepaid
The Netspend prepaid card allows you to pay up to two days faster through direct deposit. You can load money into your account using a mobile checking account deposit, reloading it in more than 130,000 locations or obtaining money from friends and family who have Netspend cards.
Download the free mobile app to easily manage your Netspend account, get cash back from eligible purchases, and receive a bonus that is added to your balance when a friend signs up. You can choose between two plans that have different fee structures based on your deposit habits. The default plan is Pay As You Go, which does not charge a monthly fee, but $ 1.50 for each signature or PIN transaction. The Premier Fee Advantage plan is the best value if you have a direct deposit of $ 500 or more. You will pay $ 5 a month and include transactions in the plan.
4. Starbucks Rewards Visa Prepaid Card
Starbucks Rewards Visa Prepaid Card can be used everywhere Visa is accepted to earn Starbucks Rewards. Earn 1 star for every $ 10 you spend on the card wherever you shop. You can redeem as little as 25 stars (which you earn after spending $ 250 on your card) for beverage modifiers. Your stars will not expire as long as your account is open. The card does not charge any monthly, annual or top-up fees. You can keep up to date with the Chase Mobile app.
5. Akimbo Prepaid MasterCard
Akimbo allows you to create a separate prepaid card for each of your budget goals. And you can manage each card from the Akimbo app. The first sub account can be added at no cost, followed by $ 4.95 (one time). You can schedule weekly automatic charges for recurring expenses. You can disable and enable cards at any time from the app, as well as receive text updates after every transaction. There is no monthly registration or fee. Also, there is no transaction fee for signed purchases, but you will pay $ .99 for each PIN purchase transaction. Cash withdrawals at ATMs are charged $ 1.98 for each transaction and balance inquiries at ATMs are charged $ .33 each.
5. Walmart MoneyCard Visa With Cashback Rewards
With the Visa Walmart MoneyCard, Walmart shoppers can enjoy a 3 percent cash back on purchases at Walmart.com and a 1 percent cash back at Walmart stores, plus a 2 percent cash back on station purchases Murphy USA and Walmart Service Rewards have a maximum cash limit of $ 75 per year. The card comes with free direct deposit, mobile check deposit, as well as online bill payment. Relocation fees are up to $ 5.95 depending on the recharge method and location. ATM withdrawals are charged at $ 2.50 per transaction and the BAT balance inquiry transaction is $ 0.50 per transaction.
Before you go, I hope this article about which prepaid card is best for online purchases is helpful for you.