Of late, if you have been feeling that your credit card bill has been mounting, then can consider opting for a prepaid card. A prepaid card is more like a debit card but without a checking account. You load the money into the card and use it for making purchases—in other words, no debt and no interest! Besides, it is easier to get a prepaid card as compared to a credit card. There are no credit checks involved and most providers don’t mandate you to maintain a minimum credit. However, it is essential to remember that prepaid cards don’t improve or hurt your credit score.

At the moment, Visa® Prepaid Cards are highly popular among users. This payment network is not only accepted in most parts of the country but also across several continents. The all-purpose Visa® Prepaid Cards enable you to access funds faster and securely pay your bills online. Additionally, their Zero Liability policy protects your money in case your card is lost or stolen.

Many providers offer Visa® Prepaid Cards, so it can get a bit confusing to select the right one. A list of some of the most popular Visa® Prepaid Cards of 2019 has been curated to help you pick the best one.

NetSpend® Visa® Prepaid Card
One of the best Visa® Prepaid Cards, the NetSpend® Visa® Prepaid Card is a viable alternative if you are looking for a simple fee structure while making transactions. This card can be loaded with cash using 4 different ways including mobile check load, direct deposit, money transfers via other NetSpend ® users, and reload locations. You don’t require to maintain any minimum balance, and your funds are insured by the FDIC. It can also be managed like regular bank accounts via online portals.

For using the NetSpend® Visa® Prepaid Card, you even get Payback Rewards and balance boosts for referring friends. Furthermore, NetSpend ® offers a savings account with an APY of 5%. NetSpend ®  offers its customers with three plans:

• No Fee Plan:  A fee of $2 for purchases made using PIN transactions and $1 for signature purchases is charged.
• Fee Advantage Plan:  A monthly fee of $9.95 is charged for free unlimited transactions.
• Premier Fee Advantage Plan:  A monthly fee of $5 is charged for free unlimited transactions.

You will be automatically upgraded to the Premier Fee Advantage Plan if you directly deposit $500 in your NetSpend® Visa® Prepaid card.

If you have to make only a few transactions a month, then the No Fee Plan is an apt choice. Conversely, an Advantage Plan would be a better choice if you make multiple purchases and bill payments throughout a month.

MOVO® Digital Prepaid Visa® Card
Looking for a prepaid card that is easy to get and entails minimum costs? Then you should check out the MOVO® Digital Prepaid Visa® Card. There are no fees charged for activation, neither are there any monthly fees. You will not be charged for keeping the card inactive as well.

You can withdraw cash from 6,000 ATMs across the nation for free. But, you will have to pay a $2 fee for withdrawing cash from ATMs outside of the network; this might pose an inconvenience if you frequently need to withdraw cash and don’t live near a network-based ATM. Luckily, it is simple to load cash on the MOVO® Digital Prepaid Visa® Card via bank account transfers, debit card transfers, direct deposits, PayPal or Venmo balance withdrawal, and cash loads at a few retail stores. However, some reload methods will need up to 3 business days to move the funds. For each bill you pay using the MOVO® Digital Prepaid Visa® Card, you will be charged 75 cents.

24k RushCard Prepaid Visa®
If you despise dealing with extensive application forms, then 24k RushCard Prepaid Visa® is a great option for you. Like most Visa® Prepaid Cards, the 24k RushCard Prepaid Visa® doesn’t require credit checks and a minimum balance. All you need to do is apply for the card with a legitimate ID. If you refer the 24k RushCard Prepaid Visa® to your family or friends, your account will be credited with a $30 bonus.

The 24k RushCard Prepaid Visa® offers you with real-time alerts about any account activity and it notifies if your account has low funds. You can easily pay bills online using this Visa® Prepaid Card. Moreover, your funds are covered by the FDIC.

You can either pick their Pay As You Go Plan or Unlimited Plan based on your spending habits.

• Pay As You Go Plan:  Unlike the Unlimited Plan, you wouldn’t have to deal with monthly charges; but, you will be charged $1 every time you make a purchase.
• Unlimited Plan:  If you often need to use the prepaid card, then it is a good idea to get a monthly plan. You’ll have to pay around $7.95 per month. But, if you load the card using direct deposits, then you’ll just have to pay only $5.95 per month.

You can switch your plan anytime you want.

Mileage Plus® GO Visa® Prepaid Card
This Visa® Prepaid Card is a tad different from its counterparts. The Mileage Plus® GO Visa® Prepaid Card offers an amazing miles program, making it an incredible option if you travel frequently. You can load the card using direct deposit or via NetSpend® Reload locations.

You’ll have to sign up for this prepaid card using a monthly or annual plan.

• Monthly Plan: $5.95 per month
  In this plan, you will earn 1 mile for every $2 you spend on eligible purchases.
• Annual Plan: $85 per year
  If you opt for this plan, you will earn 1 mile for every dollar you spend on eligible purchases.

You can earn up to 2,500 miles using this card. These rewards don’t apply to the transactions that require PIN including cash withdrawals and debit purchases.

The Mileage Plus® GO Visa® Prepaid Card has a mobile app so that you can manage your digital transactions without any trouble. If you have a balance of $1,000, you can open a savings account with an APY of 5% to grow your money. Furthermore, ATM withdrawals are free. But, this feature is only applicable to withdrawals made via MoneyPass ATM networks. The good thing is that they have a wide network, so you don’t have to worry about paying any extra fees.

Mango Visa® Prepaid Card
If you are looking for a prepaid card that can help you maximize your savings, then you should check out the Mango Visa® Prepaid Card. When you open a high-yielding savings account using this prepaid card, you can get a 6% APY with an alternative for making 6 transfers every month. But, you will need to make a direct deposit of at least $800. Also, you’ll need to maintain a minimum balance of $1 at the end of each month to remain eligible for the 6% APY.

The best part is that there are no fees charged for signing up or activation; but, you will have to bear a monthly fee of $5. Mango debits $1 for ATM balance inquiries and $3 for withdrawals. Similarly, they will also charge a 2% conversion fee for international currency. You can manage your Mango Visa® Prepaid Card transactions using their smartphone app.

The Visa® Prepaid Cards stated in this article offer various features. To choose the best one, you can decide what’s more important for you as a user. You can check different factors including zero maintenance fees, flexibility in terms of spending and bill payments, rewards, or unlimited transactions at an affordable monthly fee to make an informed decision.