Visa Prepaid Cards – reloadable, government, gift card & more | Visa
Experience the ease and security of Visa Prepaid cards
Visa Prepaid cards provide peace-of-mind protection and easy access to your money. If your card is lost or stolen Visa works with your bank to help keep your account protected.
Explore all Visa Prepaid cards
Use prepaid cards with help from Visa at every step, from getting fast access to your paycheck to receiving government benefits. Find the card that works for you.
Reloadable Visa Prepaid cards
Pay quickly and easily, online and in store. Don’t worry about overdraft fees since you can only spend what is on the card.
Visa Payroll cards
Add some or all of your paycheck with direct deposit to make everyday purchases, pay bills and manage your money.
Government Payments cards
Receive government benefits and funds like tax refunds, unemployment insurance or child support.
Visa Gift cards
Give the gift of choice with cards that work anywhere Visa Debit is accepted, both in-store and online.
Enjoy built-in benefits
With worldwide acceptance, Visa is more than just an easy way to pay. You can also enjoy peace of mind and control over your spending.
Widespread acceptance
Use where Visa Debit is accepted, including stores, restaurants and online shops.
Protection and security
Visa works with your bank to help keep your account safe protected if your card is lost or stolen.
Budget control
Spend only what’s on the card, making it easier to manage budgets and purchases.
No credit check or bank account needed
Use without needing a credit check or a bank account, for added protection.
More details about Visa Prepaid cards
Explore commonly asked questions to find the Visa Prepaid card that best suits you.
How do I get a Visa Prepaid card?
There are two ways to get a Visa Prepaid card.
Online: You can visit our card finder page to find a Visa Prepaid card online from one of our providers.
In-person: You can pick up a Visa Prepaid card in person from one of the thousands of retail locations or bank branches that offer Visa Prepaid cards. Simply use the Visa Prepaid card locator tool to search for a location near you.
How much does a card cost?
Fees vary by issuer. Check with your card issuer for fee details.
What are the differences between prepaid cards and other cards?
Prepaid cards vs. debit cards:
A prepaid card is not linked to a checking account. Instead, it is pre-loaded with a balance of funds. Each purchase you make is deducted from that balance.
In most cases, you can’t spend more money than you have already loaded onto your prepaid card. Overspending or overdrafts can occur in some cases where a prepaid card may be linked with a checking account. While most Visa Prepaid cards are protected by Visa’s Zero Liability policy, some prepaid cards have fewer consumer protections than debit cards, including those that apply if the card is lost, stolen or other unauthorized charges appear.¹
¹Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more details.
Prepaid cards vs. credit cards:
When you use a credit card, you are borrowing money and building up a balance of debt you owe. With prepaid cards, you’re spending money that has already been loaded onto the card. Unlike credit cards, prepaid cards don’t incur interest charges and don’t require a credit check to obtain.
Even without a credit check, can a Visa Prepaid card help me build credit?
A Visa Prepaid card won’t help you build your credit rating. Unlike a credit card, spending on your prepaid card isn’t reported to the credit bureaus.
What should I do if my Visa Prepaid card was lost or stolen?
With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with most Visa Prepaid cards. You’re covered if your card is ever lost, stolen or fraudulently used.¹
How do I activate my Visa Prepaid card?
You can activate your Visa Prepaid card online or by phone.
Online: Go online and activate it from your card provider’s website.
By phone: Call the 800 number listed on the card for activation.
How do I load money to my Visa Prepaid card?
There are several ways to load funds onto your Visa Prepaid card.
You can direct deposit all or some of your paycheck, government checks or even your tax refund directly to your Visa Prepaid card.
- You may also be able to load cash at ATMs, bank branches and retail locations, or add money from checks by using the mobile check deposit feature on your card issuer’s mobile app. Check with your card issuer to confirm which of these features are offered.
How can I get cash back from my Visa Prepaid card?
You can withdraw cash in several ways.
A convenient, fee-free way is to request cash back during checkout at grocery stores. Most grocery stores provide free cash back when you use a Visa Prepaid card. Ask the store associate beforehand to make sure.
- Additionally, you can withdraw money from participating ATMs. Check with your card issuer regarding ATM withdrawal fees. If you have more questions about cash withdrawal, contact your card issuer.
How do I check my balance?
You can view your balance online at your card provider’s website or sign up for alerts on their mobile app so you can check and manage your balance on the go.
How do I contact my card provider?
You can find out the contact information for your Visa Prepaid card provider by visiting the website or calling the 800 number printed on the back of your card.
Where can I add money to my Reloadable Visa card?
Holders of eligible Reloadable Visa Prepaid cards can add funds to their cards at participating merchant locations and ATMs.
Explore more
Visa cards make everyday purchases easy, from millions of stores both online and in person.
More than a purchase, using a Visa Credit card means taking a step toward your goals.
Shop with peace of mind, knowing your bank is at your fingertips.
You may be eligible for next-level benefits with Visa Credit, Debit and Prepaid cards.