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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

Do I need a good credit record to get a prepaid card?


No. You can get a prepaid card even if you have “bad credit.” When you buy or use a prepaid card, you’re not borrowing money, so prepaid card providers generally won’t check your credit history. 

Prepaid card providers will not usually check your credit report or your checking account history report.

Prepaid card providers often collect certain personal information and use it to verify your identity. They may do so when you first get the prepaid card, or before you are able to use certain features, like reloading money onto the card or using your card at an ATM.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.