Best Debit Card

American Express Serve®

Features

• Accessibility: No credit check, no minimum balance requirement, and no hidden fees.
• Card Options:
  • Cash Back Card: Earn unlimited 1% cash back on purchases.
  • Free Reloads Card: No fees for cash reloads at over 45,000 locations nationwide.
  • Free Direct Deposit Card: Avoid monthly fees by directly depositing $500 within a statement period.

Serve American Express Prepaid Debit Card Review: Financial Flexibility

Serve® AmEx: Flexibility with no hidden fees, early funds access.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Bluebird by American Express

Features

• Accessibility: No credit check, no minimum balance requirement, and no hidden fees.
• Card Options:
  • Cash Back Card: Earn unlimited 1% cash back on purchases.
  • Free Reloads Card: No fees for cash reloads at over 45,000 locations nationwide.
  • Free Direct Deposit Card: Avoid monthly fees by directly depositing $500 within a statement period.

Bluebird® Financial Solutions Review: Streamlined Banking Made Simple

Bluebird: Zero fees, fast access to funds, easy cash reloads.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Capital One® Platinum Secured Credit Card

Features

• Annual Percentage Rate (APR) for Purchases and Transfers: 29.99%, varying with the Prime Rate.
• APR for Cash Advances: Also at 29.99%, varies with the Prime Rate.
• Paying Interest: No interest on purchases if the balance is paid by the due date each month; interest accrues from the transaction date for cash advances.

Capital One® Platinum Secured Credit Card: Comprehensive Review

Build credit with Capital One’s Secured Card. There are no annual fees, flexible credit lines, or security deposit returns.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Capital One Quicksilver Secured Cash Rewards Credit Card

Features

• No Annual Fee: Enjoy the benefits of a credit card without the burden of an annual fee.
• Cash Back Rewards: Earn unlimited 1.5% cash back on all purchases, with no categories to track or limits on how much you can earn. Additionally, earn 5% cash back on hotels and rental cars booked through Capital One Travel.
• Credit Building: This card is ideal for individuals with limited or bad credit history. It reports to all three major credit bureaus, improving credit scores.
• Additional Benefits: Up to 6 months complimentary Uber One membership, $0 Fraud Liability, automatic consideration for a higher credit line in as little as 6 months, and access to CreditWise from Capital One to monitor your credit score.

Capital One Quicksilver Secured Cash Rewards Credit Card Review

Earn rewards and build credit with $0 annual fee using Capital One Quicksilver Secured.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

FamZoo Prepaid Debit Card

Features

• Prepaid Cards and IOU Accounts: Designed for kids, teens, and parents to facilitate money management.
• Instant Card-to-Card Transfers: Allows quick and secure transfers between family members.
• Comprehensive Mobile App: This app is available on iOS and Android and supports all activities and tracking.
• Educational Tools:
  • Chore Tracking: Assign and track chores with automated updates.
  • Automated Allowances: Schedule regular allowance payments.
  • Savings Goals: Encourage kids to save with goals and progress tracking.
  • Charitable Giving: Teach children about giving back through manageable donations.

FamZoo Review: Financial Education for the Whole Family

FamZoo: More than money management, a financial education.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

First Latitude Select Mastercard® Secured Credit Card

Features

• Cash Back Rewards: Earn 1% cash back on payments made to your account.
• Credit Building: Start building credit immediately with timely payments.
• Reporting to Major Bureaus: Reports to all three major credit bureaus, enhancing credit history.
• Global Acceptance: Accepted wherever Mastercard® is accepted, both online and worldwide.

First Latitude Secured Mastercard® Review: Kickstart Your Credit Journey

Build credit with First Latitude: 1% cash back, reports to major bureaus.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

First Progress Platinum Elite Mastercard® Secured Credit Card

Features

• Minimum Deposit: $200, fully refundable, securing your credit line.
• Credit Line Range: $200 to $2,000, determined by your deposit.
• Regular Purchase APR: 25.24% Variable, adjusting with the market.
• Annual Fee: $29, a small investment towards building or rebuilding your credit.
• Credit Reporting: Monthly to all three major credit bureaus, aiding in establishing a credit history.
• Application Requirements: There is no minimum credit score or credit history required, making it ideal for those with limited, poor, or no credit.

First Progress Platinum Elite Mastercard® Secured Credit Card Review: Building Credit Made Accessible

Build credit easily with First Progress Platinum Elite: Low deposit, reports to credit bureaus, $29 fee.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

First Progress Platinum Prestige Mastercard® Secured Credit Card

Features

• Minimum Deposit: $200 refundable deposit to set your credit line.
• Purchase APR: Low variable APR of 15.24%, providing cost-effective credit access.
• Annual Fee: $49, a manageable cost for credit building.
• Cash Back Rewards: Earn 1% on payments, incentivizing timely bill payments.
• Credit Bureau Reporting: Monthly reports to all three major credit bureaus to help establish and improve your credit history.
• Application Eligibility: No credit history or minimum credit score is required for approval.

First Progress Platinum Prestige Mastercard® Secured Credit Card Review: A Stepping Stone to Credit Improvement

Build credit with Prestige: Low APR, 1% cash back rewards, and extensive credit tools.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Greenlight®

Features

• Comprehensive Financial Tools: Offers a debit card, savings, and investment options tailored for kids and teens.
• Engagement: Integrates chores and financial rewards, connecting allowance to task completion.
• Financial Education: Includes interactive games (Greenlight Level Up™) to teach money management skills.
• Customization: Provides personalized debit cards to enhance user engagement and identity.

Greenlight Review: The Family-Friendly Financial App

Greenlight: Teach kids to finance with fun, control, and rewards.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Merrick Bank Secured Credit Card

Features

• Minimum Deposit: $200-$3,000, setting your credit line directly and refundable upon account closure.
• Purchase APR: 22.70% Variable, competitive within the secured card market.
• Annual Fee: $36 for the first year, billed as $3 monthly thereafter, minimizing upfront costs.
• Credit Line Increases: Eligibility for review at 9 months for a credit line increase without an additional deposit.
• Credit Reporting: Monthly to all three major credit bureaus, supporting credit-building efforts.

Merrick Bank Secured Credit Card Review: A Gateway to Credit Rebuilding

Merrick Bank’s Card: Build credit with a flexible line, low fees, and a free FICO® score.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

ONE VIP Visa Prepaid Card

Features

• Fee Structure: A straightforward monthly fee of $7.95 with zero hidden fees.
• Early Paycheck Access: Receiving paychecks up to 2 days early with direct deposit.
• Cash Deposits: Convenient cash deposits at participating retailers nationwide.
• Technology Integration: Full compatibility with digital wallets for seamless in-store, in-app, and online purchases.

ONE VIP Visa Account Review: Simplified and Rewarding Banking

ONE VIP Visa: Early pay, cash back rewards, digital-first banking.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

OpenSky® Plus Secured Visa® Credit Card

Features

• Minimum Deposit: $200, establishing your credit line, fully refundable.
• Purchase APR: 25.64% Variable, aligning with secured card standards.
• Annual Fee: $35, a nominal charge for credit-building capabilities.
• Cash Back Rewards: Up to 10% on everyday purchases, a new and enticing feature.
• Credit Check: None required, making it accessible regardless of credit history.
• Credit Score Impact: Minimal, with no credit inquiry to apply.
• Credit Building: Reports to all three major credit bureaus: Experian, Equifax, and TransUnion.
• Mobile Wallet Compatibility: Apple Pay, Samsung Pay, and Google Pay are supported for convenience.

OpenSky® Secured Visa® Credit Card Review: Empowering Credit Growth

OpenSky® Visa: No credit check, up to 10% cash back, and a path to better credit.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Walmart MoneyCard® Reloadable Prepaid Card

Features

• Cash Back Rates:
  • 3% at Walmart.com and in the Walmart app.
  • 2% at Walmart fuel stations.
  • 1% at Walmart stores and for grocery pickups and deliveries.
• Account Opening: No fee upon account opening online.
• Accessibility: Available as both Visa and Mastercard options.

Walmart MoneyCard Review: Maximize Your Shopping Rewards

Walmart MoneyCard: Earn up to $75 back annually on your purchases.

Keys to Credit AIRickie C. Keys, Ph.D., MPH