Credit Cards

5 No Limit/High Limit Prepaid Debit Cards

Looking for a prepaid card with sky high limits? Your search ends here. We have a list of 6 no limit/high limit prepaid debit cards.

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When it comes to prepaid debit cards, one of the biggest headaches can be limits on the balance you can carry. If you’re having your paycheck automatically added to the prepaid card and are good at saving up money, you could easily hit a limit that creates problems for your money management strategy. So we’ve pulled together a list of the best no limit or high limit prepaid debit cards you might consider if you want to avoid this particular issue.

Why a High Limit Card?

All banks and credit card companies operate under similar rules to the prepaid card industry. The federal government, in order to prevent mismanagement and money laundering, sets limits of how much money you can put into or take out of certain types of accounts on a daily or monthly basis. And prepaid cards are no different.

For everyday spending, this generally isn’t an issue. After all, how often do you go out and spend multiple thousands of dollars per day? Probably not very often! But sometimes you may need to spend an oversized amount of money, and having a low balance or spend limit on your prepaid card can be frustrating.

Thats why we’ve compiled this list of prepaid cards with very high overall balance limits. These cards also have high daily spending limits and ATM withdrawal limits, compared with other similar prepaid cards. Check them out if you want to be able to carry a large balance on your prepaid debit card.

Best No Limit/High Limit Prepaid Debit Cards

1. PayPal Prepaid Mastercard - $15,000

Netspend Prepaid Cards logo

Netspend Prepaid Cards

If you're already a PayPal user and are looking for a high limit prepaid card, this one could be for you. The PayPal Prepaid Mastercard lets you instantly transfer money from your PayPal balance to the card for free, and it comes with a high-interest savings account attached. And as long as it's tied to your PayPal account, you can sometimes earn cash back for your purchases. With this card, you can spend up to $5,000 per day, which is higher than most prepaid cards, and you can withdraw up to $940 per day at an ATM.

2. Brinks Prepaid Mastercard - $15,000 Limit

Netspend Prepaid Cards logo

Netspend Prepaid Cards

If you're planning to set up a direct deposit with your prepaid debit card, the Brinks Prepaid Mastercard is one good option. It has a relatively low monthly fee as long as you have a direct deposit of at least $500 per month set up. It also comes with bank-like features, including an attached high-interest savings account, a mobile app, and alerts that you can set up according to your needs. The card also has an online budgeting tool and even lets you set up virtual card numbers for one-time purchases, making it less likely that you become a victim of online credit card fraud. This card has an overall limit of $15,000, which is pretty high, and a daily spending limit of $5,000. It doesn't offer free ATM withdrawals, but when you pay the ATM fee, you can get up to $940 a day. And you can load up to $7,500 per day in cash onto the card.

3. Netspend Prepaid Visa - $15,000

Netspend Prepaid Cards logo

Netspend Prepaid Cards

Here’s another card with a fairly high limit and daily limits. The daily spending limit for the Netspend Prepaid Visa is $4,999, and the daily ATM limit is $940. Plus, you can load up to $7,500 in cash in a day. This card has a fairly high monthly fee of $9.95, but it also offers cash back rewards and a high-yield savings account as part of the deal. Your best bet is to avoid fees by not using the ATM and checking your balance or otherwise managing the card using Netspend’s mobile app. If you find ways to avoid additional fees, this can be a great card with very high overall and daily limits.

4. NexsCard Prepaid Visa - $20,000 Limit

This card has relatively high fees compared to others in the market. It has a $4.95 activation fee and fees for every purchase. With that said, it does have a very high limit of $20,000. So if that’s the main thing you’re looking for, including the ability to potentially get your government benefits nearly a week early, the NexsCard may be what you’re looking for.

5. CashPass Visa - $20,000 Limit

Again, the main benefit of the CashPass Visa card is its high limits. It has a daily spending limit of $5,000, a daily ATM limit of $920, and a daily cash load limit of $10,000. That’s much higher than many cards. But it also makes it expensive to load cash and has high fees in general. It offers two plans, but both are pretty expensive as prepaid cards go.

Final Thoughts

While prepaid cards come with many benefits, they also come with fees. So be sure you're reading the fine print before you choose a card.

Also, if you’re using a prepaid debit card solely as a money management tool, it might be time to consider a better option. Take a look at our list of Top 11 Money Management Apps for Growing Your Net Worth. Being able to see a big picture view of where your money goes can help curtail bad spending habits and motivate you to get control of your finances.

Abby Hayes

Abby Hayes

Abby is a freelance journalist who writes on everything from personal finance to health and wellness. She spends her spare time bargain hunting and meal planning for her family of three. She has a B.A. in English Literature from Indiana University Purdue University Indianapolis, and lives with her husband and children in Indianapolis.

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