The 5 best prepaid debit cards of 2021 Table of Contents The best prepaid debit cards of 2021 Prepaid debit card Free reloads Cash back A prepaid debit card is a good tool if you don't have a checking account but don't want to carry around cash. It can also be useful if you have kids, and you want to teach them about money and monitor what they spend. A good prepaid debit card should be affordable. This means it should be free or low-cost to register for a card and to reload the card with more money. Ideally, the monthly fees are low, there's a free ATM network, and you don't pay a fee each time you use the card.