Prepaid debit cards are an excellent option for those with a tight budget. It is also an effective budgetary mechanism if you are worried about credit card debt. As the name suggests, prepaid debit cards can be used just like regular debit cards to make purchases. However, only the amount loaded can be spent. That’s why they are useful to curb excessive expenditure. If you have been looking for a prepaid debit card, there are some fantastic options. The market has been witnessing strong growth and is set for further rise. 

The best prepaid debit cards of 2021 are: 

American Express® Serve Free Reloads
While many prepaid cards charge a small fee for reloads, the American Express® Serve Free Reloads card allows you to reload your card for free at 45,000 different outlets and your bank.

American Express® Serve Cash Back
You can earn 1% unlimited cash back on your purchases, and it will be credited to your Serve account. There is a network of 30,000 ATMs that you have access to. You can also reload your card for free if done through a bank transfer or direct bank deposit. This one, too, charges a monthly fee of $7.95, but you can make use of the cashback to make up for it. 

Bluebird® American Express®
You can forget about the monthly fee, activation fee, and online purchase fee with this one.

Fifth Third Access 360° Reloadable Prepaid Card
Though the Fifth Third Access 360° Reloadable Prepaid Card is available only in 11 states, it has access to a pretty widespread network of ATMs. It charges a $4 monthly fee that you can waive off by maintaining a steady balance of at least $500 in deposits or a Fifth Third checking account. Cash withdrawal is free within the card’s network of ATMs. 

MOVO Virtual Prepaid Visa Card
The MOVO card does not charge a monthly fee or a transaction fee. However, if you have been inactive for three months, there is a $4.95 inactivity fee. Online purchases are free. You can also request a physical card for other purposes like ATM withdrawal or purchases at retail stores.