Our Top Picks

AbbyBank Logo
AbbyBank
AbbyBank offers two cards under this category, the AbbyBank Mastercard Prepaid Card and the AbbyBank Visa Debit Card. Both cards offer embedded microchip technology that offers another layer of security to protect the users from fraud or theft.

These cards can be used as gift cards, reloadable debit cards, and travel cards. For the reloadable debit card, the load value ranges between $20 and $3,000 with unlimited reloads. This card has a purchase fee of only $5.50 and an interest rate of 0.05% on an amount up to $10,000, and it also has a mobile app and comes with analytics/reporting functions.

Summary

AbbyBank Logo
AbbyBank
  • Starting Price
    • Savings
    • Account Balance: $100 and More
    • APY: 0.05%
    • Interest Rate: 0.05%
    • Savings Plus
    • Account Balance: $10,000 and More
    • APY: 0.15%
    • Interest Rate: 0.15%
    • Contact for more pricing options
  • Free Trial/Demo
    Not Provided
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Phone
  • Card Types
    AbbyBank’s MasterCard® Prepaid Card
    AbbyBank Visa® Debit Card
  • Accounting Integrations
    Not Provided
  • Training/Onboarding
    Documentation
  • Mobile App
    Yes
  • Invoice Payments
    Yes
Bento For Business Logo
Bento for Business
This amazing prepaid business debit card stands out from others in the list of best prepaid business debit cards as it serves small businesses and start-ups. More importantly, the Bento prepaid debit card can be integrated with accounting platforms like QuickBooks, Xero, Oracle, NetSuite, and Sage Intacct. Apart from this, you can also get easy-to-compute spending reports and analyses.

The card comes with a 60-day free trial period, after which the charges are levied per the usage. Starter cards cost $29 per month, team cards $69 per month, and professional cards $149 per month. For cards that can serve enterprises’ needs, the bank provides custom quotes. These are high-security SSL Encrypted debit cards meant to bolster your small business’ expenses while giving better visibility with efficient reporting.

Summary

Bento For Business Logo
Bento for Business
  • Starting Price
    • Starter: $29/month
    • Team: $69/month
    • Professional: $149/month
    • Enterprise: Custom Quote
  • Free Trial/Demo
    60-Day Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Email, Phone
  • Card Types
    Corporate Cards
  • Accounting Integrations
    QuickBooks, Xero, Oracle Netsuite, Sage Intacct
  • Training/Onboarding
    Documentation
  • Mobile App
    Yes
  • Invoice Payments
    Yes
Cadence Bank Logo
Cadence Bank
There are two cards provided by Cadence bank in this category: Business Edition Visa Card and Business Edition Secured Visa Card. With both cards, users can spend seamlessly on travel, make client payments, and buy office supplies, home decor items, etc. For businesses, prepaid debit cards can work as an expenditure allocation mechanism for designated employees.

Working under the premise of a personal savings account, this prepaid debit card comes with a minimum opening fee of $50. There's no service fee once the balance reaches $250, but users will be charged $4 for a balance lower than $250. If you want to start earning interest on your deposited amount, make sure it's always more than $100. Like all the other banks on the list, Cadence Bank provides a mobile application to help you manage the card.

Summary

Cadence Bank Logo
Cadence Bank
  • Starting Price
    • Personal Savings
    • Minimum Opening Deposit: $50
    • Monthly Service Fee: No service fees for balances of $250 or more; or $4 with a lower balance
    • Minimum Balance to Earn Interest: $100
    • Monthly Transactions: Two at no charge, then $2 per transaction
  • Free Trial/Demo
    Not Provided
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Email, Phone
  • Card Types
    Business Edition® Visa® Card
    Business Edition® Secured Visa® Card
  • Accounting Integrations
    Not Provided
  • Training/Onboarding
    Documentation
  • Mobile App
    Yes
  • Invoice Payments
    Yes
Capital One Secured Mastercard Logo
Capital One Secured Mastercard:
Capital One offers a wide assortment of credit cards that are meant to solve various purposes. Its credit cards have special offerings for individuals, people who travel frequently, and business owners. Under the business credit cards, there are five types of cards: Spark 2% Cash, Spark 2X Miles, Spark 1.5% Cash Select, Spark 1.5X Miles Select, and Spark 1% Classic.

All these cards have a distinct set of features with small differences in their fee structure. A mobile application is available to help users get spend reports and also make invoice payments. Additionally, these credit cards can be integrated with QuickBooks and Xero to get better visibility into spending habits.

Summary

Capital One Secured Mastercard Logo
Capital One Secured Mastercard:
  • Starting Price
    • Venture Rewards: $95/year
    • Savor Rewards: $95/year
    • QuicksilverOne: $39/year
    • Quicksilver Rewards: $0/year
    • SavorOne Rewards: $0/year
    • Journey Student Credit Card: $0/year
    • Secured Mastercard®: $0/year
    • Contact for more pricing options
  • Free Trial/Demo
    Free Demo
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Online, Phone
  • Card Types
    Credit Cards
  • Accounting Integrations
    QuickBooks, Xero
  • Training/Onboarding
    Live Online
  • Mobile App
    Yes
  • Invoice Payments
    Yes
Chase Business debit cards are meant to deliver seamless management abilities for everyday business finances and expenses. With three card offerings — Business ATM card, Business Associate Debit card, and Business Employee Deposit card — these cards provide easy access and can be set up for auto bill payments. Users can get full access to the debit card reports and other information on the website as well as through the mobile application.

Both the Chase Savings account and the Chase Premier Savings account have fees of $0 to $5. All the cards are embedded with an advanced security chip and can deliver contactless payments at stores that have the required POS machines.

Summary

  • Starting Price
    • Chase Savings
    • Monthly Service Fee: $5 or $0
    • Chase Premier Savings
    • Monthly Service Fee: $25 or $0
  • Free Trial/Demo
    Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Phone
  • Card Types
    Chase Business ATM Cards
    Chase Business Associate Debit Cards
    Chase Business Employee Deposit Cards
  • Accounting Integrations
    Not Provided
  • Training/Onboarding
    Documentation
  • Mobile App
    Yes
  • Invoice Payments
    Yes
Dash Prepaid Mastercard Logo
Dash Prepaid Mastercard
The Dash prepaid Mastercard can be understood with three words: send, spend, and review. Users can send money available on the card via the mobile application. They can also use the card to spend at offline stores, and all expenses can be reviewed, tracked, and recorded with the mobile application. Dash gives you a free demo to help understand the workings and possibilities of using the prepaid card.

With complete connectivity between the prepaid Mastercard and the mobile application, users can set employee spend limits while keeping a record of everything via the application. The account limit is $100,000 per month.

Summary

Dash Prepaid Mastercard Logo
Dash Prepaid Mastercard
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Email, Phone
  • Card Types
    Prepaid Mastercard
  • Accounting Integrations
    Not Provided
  • Training/Onboarding
    Live Online, Webinars, Documentation
  • Mobile App
    Yes
  • Invoice Payments
    Yes
Emburse Prefunded Debit Mastercard Logo
Emburse Pre Funded Debit Mastercard
Emburse pre-funded debit Mastercard offers a wide extent of solutions for remote team management. Its virtual cards and prepaid debit cards offer simple solutions to complex organizational payment cycles. With pre-funded cards for employees, business owners or managers can track the spending from the mobile application.

Additionally, these debit cards can also be integrated with modern accounting tools, including QuickBooks, Xero, Oracle, NetSuite, Sage Intacct, and Octa. Besides the virtual cards, Emburse also has physical cards with the same features and functionalities at a cost of $50 per month for Starters and $7 per month for teams. Enterprise card applicants should request a custom quote from the bank.

Summary

Emburse Prefunded Debit Mastercard Logo
Emburse Pre Funded Debit Mastercard
  • Starting Price
    • Starter: $50/month
    • Team: $7/month
    • Enterprise: Custom Quote
  • Free Trial/Demo
    2-Months Free Trial
  • Deployment
    Web-Based
  • Support
    Email, Phone
  • Card Types
    Employee Credit Cards, Healthcare Expense Cards, Online Marketing Cards
  • Accounting Integrations
    QuickBooks, Xero, Oracle Netsuite, Sage Intacct, Slack, Octa
  • Training/Onboarding
    Live Online
  • Mobile App
    Yes
  • Invoice Payments
    Yes
Mastercard Logo
Mastercard
The business prepaid Mastercard helps users separate business expenditures from personal expenses. All you have to do is load funds in the card and spend seamlessly at millions of physical and online stores. There are integrated benefits of working with a prepaid debit card, and users also gain from the core Mastercard features and functions.

Users can take advantage of a free trial, and cards are integrated with a myriad of accounting tools such as ACI Universal Payments, Adyen, Aurus, MyCheck, Square, Stripe, ProPay, and Elavon. You can choose from Standard credit card, World Mastercard, World Elite Mastercard, Deposit Mastercard, Enhanced Debit Mastercard, World Debit Mastercard, Prepaid and Digital Banking, Prepaid Travel Card, and Prepaid Gift Card.

Summary

Mastercard Logo
Mastercard
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Phone
  • Card Types
    Standard credit card
    World Mastercard®
    World Elite Mastercard®
    Debit Mastercard
    Enhanced debit Mastercard
    World Debit Mastercard®
    Prepaid and digital banking
    Prepaid travel card
    Prepaid gift card
  • Accounting Integrations
    ACI Universal Payments, Adyen, Aurus, MyCheck, Square, Stripe, ProPay, Elavon
  • Training/Onboarding
    Documentation
  • Mobile App
    Yes
  • Invoice Payments
    Yes
Netspend Logo
Netspend
The Netspend business prepaid debit Mastercard offers several intelligent features for small and growing businesses. With an employee spend limit of $5,000 per day and a total account load limit of $25,000 per day, the Netspend powered prepaid debit card provides more features, including no credit check, instant approval, and zero activation fee. A free trial is offered. However, there is a monthly fee of $9.95 per month.

One of the best things the company offers is that the Netspend prepaid debit card can be integrated with any accounting software. There are three popular choices of business cards, including Visa Prepaid Card and Prepaid Mastercard. It has a mobile application and also provides analytics and reporting.

Summary

Netspend Logo
Netspend
  • Starting Price
    • $9.95/month
  • Free Trial/Demo
    Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Email, Phone
  • Card Types
    Netspend Visa® Prepaid Card
    Netspend Prepaid Mastercard®
    Netspend Prepaid Mastercard®
  • Accounting Integrations
    QuickBooks
    Any accounting software
  • Training/Onboarding
    In-person
  • Mobile App
    Yes
  • Invoice Payments
    Yes
The PEX prepaid visa card offers a modern solution for spending, with its mobile application providing users complete control over their expenses and spending information. Managers and business owners can control staff spending, reconcile books with an automatic function, and customize card programs to create a smooth expenditure system for the company or business.

There's no limit to transactions with the PEX cards. You can load up to $25,000 per day with no lower limit that must be maintained. The PEX Visa prepaid card can be integrated with QuickBooks, Aplos, Procore, Bookkeeping Express, Certify, and much more. There are two types of pricing; Business Pricing and Nonprofit Pricing, with prices ranging from $30 to $300 per month.

Summary

  • Starting Price
    • Business Pricing
    • Core: $75/month
    • Pro: $200/month
    • Infinite: $300/month
    • Nonprofit Pricing
    • Core: $30/month
    • Pro: $80/month
    • Infinite: Custom Quote
    • Ambassador Pricing: Custom Quote
  • Free Trial/Demo
    60-Day Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Email, Live Support
  • Card Types
    PEX Visa® Prepaid Card
  • Accounting Integrations
    QuickBooks, Aplos, Procore, Bookkeeping Express, Certify, GreenSlate, Media Services, Nexonia, Pushpay, SERVPRO, Tallie, Xero, Xpenditure
  • Training/Onboarding
    Live Online, Webinars, Documentation
  • Mobile App
    Yes
  • Invoice Payments
    Yes
TD Bank prepaid business cards help to enhance expense and payroll management. Among the offerings are TD cash credit cards, TD Business solutions credit cards, TD First Class Visa Signature credit cards, and Target REDcard. Additionally, it can be integrated with modern payment systems like Apple Pay, Google Pay, Samsung Pay, and Microsoft Wallet.

This card gives you the freedom to make electronic payments and reduce payroll costs by managing and viewing payments without any sort of paperwork. Card owners pay a monthly maintenance fee subject to the daily balance and amount of direct deposits in the account.

Summary

  • Starting Price
    • Monthly maintenance fee can be waived with one of the following: $5000 or more in direct deposits within a statement cycle or $2500 minimum daily balance is maintained or maintain a $25,000 minimum daily combined balance of all deposit accounts...
    • Co
  • Free Trial/Demo
    Free Demo
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Phone
  • Card Types
    TD Cash Credit Card
    TD Business Solutions Credit Card
    TD First Class? Visa Signature® Credit Card
    Target REDcard™
  • Accounting Integrations
    Apple Pay, Google Pay, Samsung Pay, Microsoft Wallet
  • Training/Onboarding
    Documentation
  • Mobile App
    Yes
  • Invoice Payments
    Yes
U.S. Bank Rewards Card Logo
U.S. Bank Rewards Card
Six different cards are offered by U.S. Bank. They are the U.S. Bank Altitude Go Visa Signature, Cash+ Visa Signature, Visa Platinum, Altitude Reserve Visa Infinite, FlexPerks Gold American Express, and Secured Visa. The service fee charged on these cards ranges between $0 and $400, and a free demo is available to take them for a test run.

These cards can be integrated with QuickBooks accounting software and can also be managed via a mobile application. Some cards have cashback offers, while others offer percentage-based rewards and travel benefits depending on your spending behavior and amount.

Summary

U.S. Bank Rewards Card Logo
U.S. Bank Rewards Card
  • Starting Price
    • U.S. Bank Altitude® Go Visa Signature® Card: $0/year
    • U.S. Bank Cash+™ Visa Signature® Card: $0/year
    • U.S. Bank Visa® Platinum Card: $0/year
    • U.S. Bank Altitude® Reserve Visa Infinite® Card: $400/year, $75/year/additional card issued
    • Contact for more p
  • Free Trial/Demo
    Free Demo
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Phone
  • Card Types
    U.S. Bank Altitude® Go Visa Signature® Card
    U.S. Bank Cash+™ Visa Signature® Card
    U.S. Bank Visa® Platinum Card
    U.S. Bank Altitude® Reserve Visa Infinite® Card
    U.S. Bank FlexPerks® Gold American Express® Card
    U.S. Bank Secured Visa® Card
  • Accounting Integrations
    QuickBooks
  • Training/Onboarding
    Not Provided
  • Mobile App
    Yes
  • Invoice Payments
    Yes
Uber Visa Debit Card Logo
Uber Visa Debit Card
Powered by GoBank and Uber, this special debit card gives you 1% cashback on all sorts of purchases, making your everyday spending rewarding and profitable. There are no specific requirements when it comes to keeping a minimum balance, overdraft charges, or monthly fees. The user can also get better rewards and cashback when purchasing or transacting with select companies listed by the service provider.

Because there are multiple use cases for this debit card, you'll need to contact the provider for a custom quote. A free trial option and mobile application are available, but no integrations with accounting software.

Summary

Uber Visa Debit Card Logo
Uber Visa Debit Card
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Online
  • Card Types
    Uber Visa Debit Card
  • Accounting Integrations
    Not Provided
  • Training/Onboarding
    Online
  • Mobile App
    Yes
  • Invoice Payments
    Yes
Wells Fargo Business Secured Card Logo
Wells Fargo Business Secured Card
The Wells Fargo credit cards are meant for personal use and small businesses. Options include the Wells Fargo Propel American Express card, Cash Wise card, Visa Signature card, Rewards card, Platinum card, Hotels.com Rewards Visa card, and Cashback College SM card. All these cards integrate with QuickBooks and Xero.

A mobile application makes it easier to get a detailed overview of your spending habits and transactions, along with generating reports and analytics. For pricing, contact the company for a custom quote.

Summary

Wells Fargo Business Secured Card Logo
Wells Fargo Business Secured Card
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support
    Phone
  • Card Types
    Wells Fargo Propel American Express® Card
    Wells Fargo Cash Wise Visa® Card
    Wells Fargo Visa Signature® Card
    Wells Fargo Rewards ® Card
    Wells Fargo Platinum Card
    Hotels.com® Rewards Visa® Credit Card
    Wells Fargo Cash Back CollegeSM Card
  • Accounting Integrations
    QuickBooks, Xero
  • Training/Onboarding
    Online
  • Mobile App
    Yes
  • Invoice Payments
    Yes

How We Chose the Best Prepaid Business Debit Cards

Prepaid debit cards offer another level of security to protect you from high interest and APR charges on credit cards. They work similarly to how a gift card does, containing a limited amount of money that can be refilled when funds run out. This is typically done at ATMs or from provider banks. 

The best prepaid debit cards aren't limited to replacing your cash with a plastic card but also offer additional perks that can help you get the best deals and harness the benefits accompanying promotional offers. Additionally, a prepaid business debit card is an efficient tool to encourage users to spend below their limits. By limiting the amount of funds on hand, individuals won’t be persuaded to buy things they don’t need, allowing them to stay within their budget.

Having said that, there are a lot of prepaid business debit cards you can use, but not all of them are good for your business and budgetary allocations. To help you choose the right type of card, we've prepared a list of the best prepaid business debit cards. We measure our shortlisted cards by three key traits.

Price

Every business debit card comes with a monthly or yearly fee that must be paid to continue using the card. In choosing the top prepaid business debit cards, we've looked at the price while comparing the service and features offered by the card. Our approach is to help you choose the debit card that has an optimal set of features at a cost-effective price. 

Accounting Integration

For better visibility into the expenditure incurred via the debit card, an efficient debit card should have pre-built integrations. Most of these integrations connect the spending from the card with popular accounting software like QuickBooks or Xero. Debit cards with such a function help plan a budget and separate it into different categories, helping you get a better sense of your spending. 

Reports

Reporting and analytics connected to the card is another effective feature you need to look at to get the best prepaid business debit cards of 2021. Reports help you understand expenses and make sure you have a complete record of your transactions.