Top 10 Reloadable Prepaid Cards With No Fees in 2023

1. Bluebird by American Express

Reloadable Prepaid Cards With No Fees - Bluebird by American Express

BlueBird is a No Monthly Fee prepaid debit card from American Express, which comes with a bunch of benefits, and it is light on fees.

For all the ways you move through life, such as shopping, running errands, paying bills, Bluebird is there for you with the qualitative service. Bluebird Accounts are convenient, flexible, packed with features, and have no monthly fees.

Advantages

Enjoy the convenience of free ATM access at over 30,000 MoneyPass ATM locations for withdrawals.
You can add money to your Account right at the Walmart checkout register or Money Center with Free Walmart Add cash service.
Get paid up to 2 days faster with an Early Direct Deposit without any costs.
Send money to other Bluebird Prepaid Debit Account Holders for free with Tons of Free Features.
Charges 0 dollars fee for monthly maintenance, Foreign Transaction, Walmart Add cash, Online Bill Pay, and Online Acquisition
Besides, Bluebird by American Express comes with several other features, extra services, perks, including purchase protection, roadside assistance, and Amex offers. However, some cons of BlueBird are that it doesn’t offer rewards, and Mobile check deposits take 10 days unless you pay a fee. Moreover, Cash reloads at other retailers may charge a minimal fee.

This is an excellent choice for the parents who aspire to teach money management expertise to their children since this card does not go into the negative balance even after daily usage.

For convenient usage, it comes with several money reloading options such as Walmart cash registers, direct deposits, money transfers, and credit checks.

2. Walmart Money Card

Walmart has credit card options and Mastercard options. Their Mastercard is usable at other third-party stores where Mastercard is accepted.

The Walmart credit card is usable at both Walmart and Sam’s Club store purchases. Purchases made with Walmart Money Card include greater rewards, cash back benefits, and other related privileges.

Walmart Money card can be one of the best reloadable prepaid cards with no fees for Walmart shoppers. After opening a Walmart Money Card, you can get up to 75 dollars cash back.

Your checking account needs to be added with your Walmart Credit or Debit card. In the first reward year or 12 months, you can pay your monthly fee or get a chance to waive it totally.

Advantages

Get more than 75 dollars cash back per year, credited to the card balance at the end of reward year
With reward points for each purchase, you can get up to 600 dollars redeemed from Walmart every year.
Offers up to 15 dollars overdraft protection on eligible purchases, which requires opt-in
You can get up to 5% cashback on purchases at Walmart stores
Provides up to 2% cashback on purchases at Walmart stores, fuel stations, restaurants, and other travels
According to your credit, they will require approximately 14 percent to 24 percent APR for purchases.
Get 1% cashback on purchases and shipping fees for orders at third-party stores where Mastercard is accepted.

You must be at least 18 years older or more to apply for reloadable prepaid cards with no fees Walmart benefits. You may also be required to verify your tax withholding status to proceed.

As a late payment fee, you have to pay up to 38 dollars. Mobile and email verification are also required for accessing the services through the mobile application to access all the features.

3. FamZoo Prepaid Debit Card

Reloadable Prepaid Cards With No Fees - FamZoo

If you have twins or teens at home and you want to pick the best reloadable prepaid cards with no fees for your children, you can choose FamZoo.

It is a great Mastercard for the parents, which comes with all the family friendly features. FamZoo is also renowned for offering sub-accounts for reloads and other everyday purchases at online and offline platforms.

Advantages

With an extra 3 dollars per card, you can order prepaid cards for your family members and set up automatic recurring transfers.
Charges a low monthly fee of 2.50 dollars or up to 59.99 dollars for two years advance prepayment
Gives access to ATM locations for fee-free transfers and transactions for parents and child attached with an account
For activation and inactivity, or monthly renewal, they don’t charge any extra hidden fees.
Parents can have the overall authority of locking & unlocking the cards for promoting children to save with interests.

FamZoo Mastercards lets parents become virtual bankers for their children, even those who are younger than 13 years. Under one monthly plan, you can add four cards for free of cost.

But if you want to add more than that, then you may have to pay a 3 dollars fee for each Card. You can control all the tasks of your account just from their online platform.

By advance payments or prepayments, you can reduce the monthly expenses for all the attached cards under your account. For reloading, they come with a wide section of alternatives- direct deposit, PayPal transfer, PopMoney transfer, bank transfer, and Cash adding through retailers like 7 Eleven and Walgreens. They also offer free reloads from Google Pay, Apple Pay, Venmo, and Square Cash.

4. American Express Serve FREE Reloads

Are you looking for the best reloadable credit cards with no fees without a checking account? If so, then the American Express Serve Cash Reloads prepaid debit card can be the best option for you.

Amex Serve Free reloads is the best reloadable Card with no fees for Cash Inclined users. The Serve direct deposit debit card makes it easy for you to manage your money.

Whether you are looking to budget, pay bills online, or manage day-to-day expenses, free reloads means you can add Cash often without incurring fees.

Advantages

It comes with purchase protection for more than 120 days against accidental damage and theft after the purchase date.
With Fraud Protection, they will cover the expenses if your Serve card is ever lost or stolen.
After you register your Account, your deposits are federally protected with FDIC insurance for a lifetime period.
Charges no fee for Cash reload at more than 45,000 Walmart, 7 Eleven, CVS, Rite Aid, Dollar General, and other retail store locations
Free Mobile check deposits take less than 10 days and give access to more than 30,000 ATM locations.

For the usage of your family members, you can add sub-accounts with multiple cards under the same account through Server Reloads. They offer Cash reloads from more than 30K ATMs and 45K retail store locations of Walmart, 7 Eleven, etc.

With American Express Server, you can stay assured with your bill payments since they will pay your bills when they’re due with their Pay Bills Guarantee service.

Their Online Bill Pay can save you time and help you avoid late fees even if you juggle rent or a mortgage, utility bills, and more. However, Server Reloads charges a 6.95 dollars monthly fee for all states, except for New York, Texas, or Vermont.

5. Movo Virtual Prepaid Visa Card

Reloadable Prepaid Cards With No Fees - Movo Virtual Prepaid Visa Card

Prepaid Visa cards from Movo are one of the leading reloadable visa card with no fees since they offer services that are more economical than other card providers.

They provide on-demand mobile banking services with end-to-end encrypted contactless payments. Movo prepaid cards can be a one-stop solution for shopping online, sending money, or paying bills.

Advantages

Charges no monthly fees and no costs for activation except for the 4.95 dollars fee for inactivity fee
Includes multiple deposit options like direct deposit, PayPal transfer, PopMoney transfer, bank transfer, and retailer as- 7 Eleven and Walgreens
For purchases and other online bill payment options, they charge no transfer fees.
With the Movo Pay service, you can make on-demand and peer-to-peer payments without any waiting period.
Offers 24/7 account management, and all the accounts & purchases are backed by a cutting edge security system.

The majority of the prepaid debit cards come with either monthly fees or fees for each transfer. But Movo Visa debit cards don’t charge any neither for each transfer nor monthly transaction.

They don’t charge up to 4.95 dollars as an inactivity fee for three months at a time and 2 dollars for ATM transfers & withdrawals. After sign-up and getting approval, you can spend, transfer, and deposit money.

It is a virtual service that lets you buy goods from online platforms, and you can also apply for a physical card for in-person usage. With Visa Plus Alliance services, you may have to pay a 2 dollars transaction with ATMs, but external operator charges may apply outside of the ATM network. The downside of Movo card is- Free card loads via banks may take up to 5 business days, which is inconvenient.

6. American Express Serve Cash Back

Reloadable Prepaid Cards With No Fees - American Express Serve Cash Back

American Express Serve Cash Back is the best reloadable Card with no fees for the Rewards Seeker and for those who want to get Cash back rewards after each purchase or transaction.

The Serve direct deposit debit card makes it easy for you to manage your money. Unlike any other prepaid card that doesn’t offer cash back services, Amex Serve Cash back offers rewards credit cards with no annual fee.

Serve Cash Back prepaid debit card makes it easy for you to manage your money with plenty of convenient features. However, Server Cash Back charges a 6.95 dollars monthly fee for all states, except for New York, Texas, or Vermont.

You may have to pay up to 3.95 dollars for each reload as a Cash reloads cost. Getting your Cash Back is fast and simple with Serve credit cards

Advantages

Offers unlimited 1 percent cash back on all purchases when you spend money in stores or online
It comes with purchase protection for more than 120 days against accidental damage and theft after the purchase date
With Fraud Protection, they will cover the expenses if your Serve card is ever lost or stolen
Free Mobile check deposits take less than 10 days and give access to more than 30,000 ATM locations
After you register your Account, your deposits are federally protected with FDIC insurance for a lifetime period
Provides fraudulent and misplace protections, so you can lock and safeguard your amounts until you locate it

The AMEX Serve Cash Back charges a 7.95 dollar monthly fee, but you can make up for it if you spend a minimum of 795 dollars per month with the Card.

The funds are available to add to your Account as soon as the transaction settles with us, so you don’t have to wait to enjoy the rewards. Therefore, you can earn money as you spend money without any restrictions.

7. Fifth Third Access 360° Reloadable Prepaid Card

Reloadable Prepaid Cards With No Fees - Fifth Third

The Access 360° prepaid debit card from Fifth Third is a great one if you want to ditch transaction fees and maintenance annual fees. One of the most overwhelming facts about Fifth Third credit cards is they offer one of the widest ATM networks compared to other prepaid card providers. Because they come with almost 50 thousand ATM locations across the country.

They may charge about 4 dollars as a monthly fee, but you can easily waive it through approval. You can use the Fifth Third Access MasterCard anywhere debit Mastercard is accepted.

Fifth Third Access 360° Reloadable Prepaid Card is available in the 11 states of the United States where there are Fifth Third branches, which is the only place you can get the Card.

Advantages

Requires no overdraft fees, no cost to open or to add, withdraw or transfer money to your Card.
Gives access to more than 50000 ATM locations for fee-free transfers and transactions for parents and children attached with an account
It comes with a wide section of reload options- Direct deposit, bank transfer, cash load at Fifth Third branch, or ATM locations.
Replacement of a lost or misplaced debit card costs no additional fees.
The monthly fee is waived for the checking customers (excludes Express Banking) or for each month deposit 500 dollars or more to the Card.
For card purchases, direct deposits, and cash deposits, they will charge zero dollars fee for all users.

For withdrawals with ATMs, you can use Fifth Third ATMs and TMs in the Allpoint ATM network. For other ATMs, they may charge up to 2.75 dollars as ATM transfer and operator fees.

Besides, All their credit and debit cards can have joint owners, and it is a great feature for convenience. However, one of the downsides is they don’t have any access to nationwide retail networks for Cash adding.

8. Greenlight Prepaid Mastercard

If you are a parent who wants the best reloadable prepaid cards with no fees, then you can check out the debit cards or Prepaid MasterCards from Greenlight.

With this debit card, you can teach how to spend and manage money for enhanced savings. GreenLight Prepaid MasterCard is one of the best banking and investing apps for kids and teens.

According to the statistics, In 2021, Greenlight kids and teens managed a total of 1.07 billion dollars, and it determines that GreenLight is one of the best.

Every dollar earned, saved, spent wisely, and invested is one step closer to a financially healthy and happy generation. It is a reliable service that is recognized by Forbes, Fortune, The Wall Street Journal, NBC, and other prominent platforms.

Advantages

Since it is an app for parents and teens, you can add up to five sub-accounts under one parent account
Charges no fees for purchases, but 4.99 to 9.98 dollars per month as general fees
For ATM withdrawals, they don’t charge any fees, but the operator fees may be applied
Adds multiple plans for suiting the families(parents & kids)- Greenlight, Greenlight Invest, and Greenlight MAX
Get real-time notifications any time the Card is used, create in-app chore lists and tie the work to perks

With Greenlight Prepaid cards, you can Personalize your kids’ debit cards and send money to your kids- anytime, anywhere. Their basic plan, Greenlight, costs just 4.99 dollars per month, and the Premium Greenlight MAX costs 9.99 dollars per month.

The downsides of Greenlight are- there are no checks or cash that can be deposited; the daily purchase maximum per family account is 1,000 dollars, and the daily ATM withdrawal limit is 100 dollars, which is much lower than average for prepaid cards available outside.

9. NetSpend Visa Prepaid Card

Reloadable Prepaid Cards With No Fees - NetSpend

Netspend is the most trustworthy and reputable provider of FDIC-insured Visa Prepaid cards, which may be used by everyone.

When you’re searching for a prepaid card with free reloading capabilities that works with almost every departmental store, Netspend’s your go-to choice. You won’t have to worry about activation fees, credit inquiries, minimal balances, overdraft fees, etc.

Netspend puts priority when it comes to arranging your finances by giving you prepaid cards that let you handle your money on your way.

NetSpend provides credit cards for 18 year old their services with 10 million customers, almost 130,000 reload points and thousands of retailer points. One of the best features of this Card is that it is insured by the FDIC for the overall protection of the user’s money.

Advantages

Get paid up to 2 days faster with an Early Direct Deposit without any costs.
Send money to other Bluebird Prepaid Debit Account Holders for free with Tons of Free Features.
Charges 0 dollars fee for monthly maintenance, Foreign Transaction, Walmart Add cash, Online Bill Pay, and Online Acquisition
They offer no credit check debit cards, which also include lucrative cashback rewards.
Get up to 20 dollars welcome offer purchases of at least 200 dollars a month in April, May, and June.

Netspend Visa Prepaid Card can be used with a mobile app; you may deposit money and add funds to it using cheques. FDIC protects this Card, so you won’t have to worry about fraud.

As a result, you may use this prepaid reloadable debit card to make all of your purchases. NetSpend also makes it easy for customers to replace their Card in the event that it gets lost or stolen.

10. PayPal Prepaid MasterCard

PayPal is a renowned online money transferring platform that comes with reliable and quick procedures of money management. PayPal has conquered the internet banking industry by conveying helpful technology and reliable financing strategies; it works together efficiently to manage your money. It is ideal if you’re looking for a user-friendly prepaid card that doesn’t charge reloading fees.

To put money on your PayPal Prepaid card, you have to do nothing more than exchange your Cash for reloading points, which is then immediately transferred to your PayPal prepaid account.

You should not be concerned about the safety of your funds since this prepaid Card is FDIC insured. You can use PayPal Prepaid Mastercard without any concerns about losing funds.

Advantages

Transfer money from your PayPal balance to your Card Account without any transfer charges
Setting up Direct Deposit is the no-cost way to have your paycheck, government benefit, or tax refunds to your Card Account.
Load cash or checks at any of more than 130,000 reload locations across the US, such as grocery stores, gas stations, and check cashing stores.
For card maintenance and overall services, they charge just 4.95 dollars per month as a monthly fee.
Provides fraudulent and misplace protections, so you can lock and safeguard your amounts until you locate them.

If you already have a PayPal account, then you can start using the Prepaid MasterCard from PayPal for convenience. You can use the PayPal Prepaid Mastercard to eat, drink, and shop everywhere debit Mastercard is accepted.

Order online, and once your information has been verified, you will be able to receive your PayPal Prepaid MasterCard in the mail within 7 to 10 business days.

FAQ About Reloadable Prepaid Cards With No Fees

Are no fee reloadable prepaid cards safe to use?

Definitely, no fee reloadable prepaid cards are safe to use without any concerns. You can stay assured since all the providers come with protected platforms for safeguarding your funds. They also offer a locking system, fraudulent protection, and other security features.

What Are Reloadable Prepaid Cards With No Fees?

Reloadable gift cards with no fees are an excellent alternative to credit cards and conventional debit cards for purchasing everyday goods. They allow you to spend up to the quantity of cash you’ve filled up onto your Card and can be replenished continually.

Can you use reloadable prepaid cards without a bank account?

Getting a prepaid card is simplistic, and you don’t even have to hold a bank account to get a prepaid card.
A prepaid debit card can work as a budget-saving tool that also employs an all-in-one replacement of a bank account.

How does a readable prepaid card work?

Reloadable prepaid cards are simple to use, and you can assure one without a checking account. These cards have two reloading options. First, you can add funds using cash or debit at stores everywhere MasterCard or Visa cards are recognized. Secondly, you can also add funds online by correlating your Card to a prevailing bank account.

Can you get prepaid cards with bad credit or bank history?

Yes, You can also proceed with a reloadable credit card if you have a bad credit or banking history. Reloadable cards with no fees don’t require a neat & clean banking history or credit checks, and these cards mostly expense less than a prepaid card.

Final Verdict

Prepaid cards which are readable may work as a great tool to save your money on your everyday purchases. Above, we have tried to discuss the best reloadable prepaid cards with no fees and some related facts.

However, before you pick one, you need to contemplate several facts. For instance, monthly fees, how they function, and what facilities one can get from using them.

What Is A Reloadable Prepaid Card?